Ji'nan part of the bank's mortgage policy loosened, the first mortgage repaid, then loan down payment.
compared to the hot market in March, the real estate market was slightly cool in the month of 45, and the loan administration of some banks in Ji'nan The policy is also loosened. For the first suite loans, some banks have set a 10 percent off discount for quality customers on the premise of 20% payments. For the two suite loan, the bank has proposed that there is a housing under the family name and the loan has been cleared. The down payment ratio of the second house purchase has dropped from 30% to 25%.
19, 19 days, the house of second-hand housing business group Ji'nan branch warrants department concerned said, by looking at the March Ji'nan part of the bank loan policy rules found that the postal bank policy has been relaxed, such as the family name has a set of housing and loans have been clear, again the proportion of first payment to 2 from the previous 30% to 2 5%. Most banks have not changed much in terms of down payment and interest rates, but there are big differences between banks and banks in some special cases.
specifically, each bank in Ji'nan has its own provisions in the first payment, the first set of first loans is the basic requirement of most banks, and some banks have stipulated the area of the house. For example, the Bank of Guangda is required to pay the first loan and the housing area is below 144 square meters to enjoy the minimum 20% down payment. Agricultural Bank policy is relatively relaxed, no house area restrictions, the first set of first loan, quality customers, down payment 20%, interest rate 5% off. Societe Generale and CITIC Bank set up a 10 percent off premium for quality customers in the first suite of loan interest rates.
for the two suite of commercial loans, the banking policies are also different. Everbright Bank requirements, a suite of loans unsettled reloans, first payment of 30%, the interest rate floating 10% postal bank, the mortgage has been cleared again, the first payment of 25%, the interest rate 5% off, high quality customers 8% off a suite is not settled, the first payment of 30% interest rates up 10%. The Bank of Beijing has asked for 25% of the down payment, 20% of the high quality customers, 5% off of the interest rate, one of which has not yet been closed, and 30% of the down payment is up 10%.
although Ji'nan has already released the restriction, it is not all banks that accept more than two sets of property loan applications in terms of loans. Specifically, the requirements of Everbright Bank and Agricultural Bank are relatively strict. There are two or more properties, one of which is not settled and no loan is allowed. Beijing bank policy is relatively loose, there are two or more properties, one of which is not settled, and the loan is executed in accordance with the two suite. CITIC Bank requires two or more properties, one of which is not settled, the first payment is 50%, and the interest rate is 15%.
apart from the loan policy for the first set, two sets and three suites, some banks also have strict requirements for the age and area of the house. Among them, Everbright Bank requires that the property of apartments such as Marriott and Cheng Kai do not make commercial loans. Xingye Bank of the house area requirements, housing age.Amp; le40, borrower age: men and women are not more than 70 of the loan years, residential 30 years, only residential apartments, providing housing contracts can be based on residential loans.