The purpose of regulation and control has basically reached a number of banks in Ji'nan, saying that it will no longer adjust the mortgage policy.
Shun network author: Cao Si
the real estate market quick freeze model quickly spread to the credit market, with the decline of the volume of real estate transactions, each The volume of the bank's mortgage business has also dropped. With the central bank and the China Banking Regulatory Commission (CBRC) releasing the signal of the regulation of mortgage loans, will the tightening of the mortgage be further added? 26, the staff of many banks said that the current policies of the banks were in line with the requirements of the central bank and the CBRC, and the housing loan policy would not be readjusted for the time being.
the eastern housing loan business volume dropped the fastest, the two suite was identified as a threshold
the mortgage business volume is a certain decline, since the limit of the purchase of the loan policy, the whole Ji'nan real estate transaction volume has fallen sharply, the corresponding mortgage business has also dropped. 26, a customer manager of a state-owned bank told reporters.
the head of a real estate agency credit department also said that more than ten banks' mortgage business volume was declining. Specific figures to the end of the month can be statistics, but from the feedback from our business personnel, the city, calendar, high-tech and other eastern regions of the real estate, the largest decline in loan business, the city, Huaiyin and other regions are relatively stable. The person in charge said.
he said, in general, the mortgage policy of each bank is very different, the first suite down 30%, the rate of interest rates are basically the same, the main difference lies in the two suite. Two suites 40% is the same, but the discount rate of mortgage interest is different. He said that the conditions of a few banks such as Guangda, postal storage and CITIC are relatively loose, the mortgage has already been cleared up, the two suites also have interest rate preferences while the conditions of several banks, such as pub hair and investment investment, are relatively strict. No matter whether the loan is settled or not, the interest rate of the two suites is floating 10%.
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it is understood that at present, the policies of the four major state-owned banks are basically consistent, the first suite down payment is 30%, the interest rate can be discounted by the first payment of 40%, the mortgage payment is cleared, the interest rate can be discounted, the mortgage is not clear, the interest rate is floating 10% three suites, the first payment is 40%, the mortgage settlement can be loan, the house loan can not clear the no loan.
about 70% buyers can get a 10 percent off interest rate discount
the person in charge said that although the bank's censorship has been more stringent, there are still 70% loan buyers who can get 10 percent off interest rates. Now buyers just need more, they meet the first suite loan policy, most of them can enjoy 10 percent off discount. He says there is also lower interest rate discounts on the market, such as 15% off, but this part of the business is very small and only exists in small and medium banks that are eager to open up the Ji'nan market.
since October 1st, more than 20 cities have introduced the regulation policy for the property market, and then the central bank and other departments have also issued a signal to tighten the credit. In October 12th, the central bank convened 17 bank executives and the general manager of individual loans and assets and liabilities departments to hold a meeting, which required the commercial banks to strengthen the adjustment of the credit structure, strengthen the management of housing credit, control the risk of the related loans in October 14th. The Ministry of housing construction made heavy punches to regulate the purification market of Housing enterprises in October 19th, and the central bank convened 25 banks to meet in October 19th. We should strictly enforce the policy of limiting the loan.
this intensive control signal, the mortgage will continue to tighten? A number of banks have said that the current bank's mortgage policy meets the requirements of the central bank and the Banking Regulatory Commission, and will not be adjusted again for the time being.