Qilu one point author: Zhao Guolu
tightening the mortgage, the bank really has this idea? A reporter found that now Mortgage is the high quality business of the banks to eat, a small house of only more than 200 houses, squeezed into 10 banks to do mortgage, in order to collect customer credit managers often squatting the sales office. At present, the loan interest rate of the first suite of major banks is still 10 percent off, and individual properties can even get 15% off discount.
a sales office in eastern Ji'nan. Reporter Zhao Guolu photo
a real estate 10 banks compete for mortgage
two days before another bank wants to come to the mortgage business. We have a total of more than 200 housing units, the mortgage business now has 10 cooperative banks. Again, there is not a few business! The project manager of a small residential building in Ji'nan City regrets that after the introduction of the limited purchase policy, the turnover is not as much as before, and the nature of the mortgage business is not much. Some banks are still stationed through various channels, hoping to get part of the mortgage business. Because the residential project is located in the center of the city, the total price of the house is higher, and the loan amount of the customer is generally relatively large. Therefore, it is considered fat in the eyes of many bank credit managers.
before the opening of the sales office, several banks had come to ask for cooperation. Generally speaking, who will cooperate with us to develop loans, and who will give priority to our home loan business. But there can be no only one cooperative bank, so basically every estate has a number of cooperative banks to do mortgage. But now the enthusiasm of banks for housing loans is too high, like our small property, in addition to the four major state-owned banks, there are 6 small and medium-sized banks. In fact, you know that even if all the customers are buying a loan, an average bank will take more than 20 businesses.
in a large property in southern Ji'nan, sales executives said that banks that customers could see basically had cooperation. After a bank's customer manager came, it was regrettable to find that colleagues in other outlets had already been stationed, the mortgage did not do, and did not want to run. Last year, the market was good, even the installation of POS machines came several times.
the sales manager
the sales manager said that the bank is more than the bank, which is fast and convenient, and the home consultant recommends which bank to the customer. Some bank account managers simply stay in the sales office in order to rob customers, but many times they are unable to meet one customer.
credit manager of a state-owned bank told reporters that competition is fierce now. We originally stipulated that customers must sign at the outlets, that is, after the sales offices have completed the formalities, they will also run to the banking business hall: sign in person. The customers do not want to run away. As a result, one of our bank customers did not go on. After that, we made a report to the leader and changed the rules.
after the customer submits the material is complete, some banks lend money on the three day, and some only lend money a week. We certainly recommend fast speed. Those responsible for the sale of the large property market said that the banks with low lending rates would soon have no business, and that they would be able to make loans one day.
when a large property is opened, it requires a cooperative bank to do loan business, lending within a day. On the opening day, the owner of the house will be informed of all the loan materials, and the room will be paid down and the net will be signed on the spot. The bank directly mobilized a large number of people, and worked overtime all night to check. The second day mortgage payments were all accounted for, and the efficiency was high.
10 percent off is the mainstream, the lowest 15% off
recently, the mortgage to tighten the wind is more and more prosperous, but life daily reporter 24 days consulted a number of banks in Francis, the answer is: temporarily no adjustment, the rate of lending and no difference, interest rate discounts also remain the same. The first suite is basically 10 percent off based on the benchmark interest rate. Several state-owned banks that cooperate with a real estate in the South can offer a 15% off discount.
I think the enthusiasm of banks to tighten is not high. Unless there are instructions from the upper level. The current market is quite different from the previous years. The credit manager of a bank in Francis said two or three years ago, the property market was not good. Banks have put money into small and micro - loan businesses with higher profit margins, and some small and medium-sized banks even stop the mortgage business. However, as the economic situation is not good, there are more and more small business owners who have gone bankrupt, and the bad debt rate of small and micro enterprises has been increasing sharply. Last year, the housing market was hot and housing prices soared. Mortgage business has become a valuable asset for banks. Although profits are low, there is almost no risk of bad debts, which can be used to lower the high rate of bad debts.
the original mortgage should be discounted, you have to buy tens of thousands of money for financial products, some are required to deposit regular deposits, and some require credit cards to become so-called VIP customers. Now, you see, which bank still dare to put forward these conditions? The sales manager of a large building in the East said that the bank did not shrink the initiative of the mortgage business from the market.