source: Volkswagen - daily daily daily daily
Ji'nan issued a new limited purchase limit policy for a week, the reporter learned from a number of banks in the economy, the bank, construction bank, peace, Everbright, postal storage and other banks have issued new mortgage implementation rules, usually not in April The new regulations were executed 20 days ago.
at the same time, between the state-owned large and small and medium banks, there is a big difference between the interest rate discount of the two suites, and it is suggested that the buyers choose a more affordable loan bank.
60% payments have been landed in many homes, to some bank credit officials to understand that 60% new policies have been implemented in succession.
with the large state of the state of the city of Ji'nan, the household registered households in the city have no housing in the restricted area (i.e., the lower area, the Central District, the Huaiyin District, the Tianqiao District, the almanac District, the Hi-tech Zone, the Changqing District, the Zhangqiu District). If there is no mortgage record, the first payment is 30%, the interest rate is carried out in the first suite and the loan term is the longest for 30 years. (containing); if there are 1 records of the mortgage, the rate of down payment is 60%, the interest rate is carried out at the benchmark rate of 10%, the loan term is the longest for 25 years (including); and the loan of 2 or above is recorded, and the application of the mortgage is not accepted.
the city's household registration family has 1 sets of housing in the limited purchase area, the first payment is 60%, the interest rate rises 10%, the loan term is up to 25 years (including); in addition to the housing, there are 1 other mortgage records, or 2 or more mortgage records, and then apply for the non admissibility of the mortgage. There are 2 (above) housing and no longer accept loan applications.
non Ji'nan household households purchase the first time in the restricted purchase area, the longest loan period is 25 years (inclusive). Among them, no loan records, down payment 60%, the interest rate can be carried out according to the first suite rate; there are 1 mortgage records, the down payment ratio rises to 10%; there are 2 or more mortgage records and there is no settlement of the mortgage, again apply for the loan no longer accepted.
shares bank snatching the mortgage business
has issued a new policy of several joint-stock banks, all the implementation of the loans and recognition of the housing policy, such as Ping An Bank, Everbright Bank and so on. There are loan records or houses under the name, all calculated according to two suites.
from the down payment ratio, the first suite of Ji'nan household registration households is the lowest 3, the interest rate is calculated by the first suite, most of the 10 percent off; the household household household purchase two suites, the first payment 6, the longest loan 25 years (including). The interest rate can be discounted and the minimum interest rate is 10 percent off if there is no outstanding loan. The interest rate is up to 10% if there is no outstanding loan. Note that this is a difference between the joint-stock banks and the state-owned banks, and the interest rate discount is more relaxed. ICBC, China Construction Bank and other state-owned large banks regardless of the previous mortgage is cleared, and then apply for housing loans have to go up 10%, while joint-stock banks look at whether the original mortgage is settled.
for household household households in the field, Ping An Bank, Everbright Bank, postal savings bank, etc., the implementation of the first payment of the minimum of 6 new regulations, the maximum loan of 25 years (including). If the mortgage has been settled, interest rates can be discounted, with a minimum of 10 percent off; if there is no loan, the interest rate will rise by 10%. This is a little looser than the state's big bank.
the head of the Credit Department of a bank in Ji'nan said the small differences between the banks showed that the big banks were more resolute in the implementation of the regulatory policy. The small and medium banks were "only a bell" for the housing loan. In the policy scope, the interest rate was fully exercised and the mortgage business was snatched at the same time.
Housing Group of second-hand housing groups said that the best is to fully compare the buyers, after all, the interest rate floating 10% and floating 10%, there is not a small gap.