Re: Ji'nan banks have just adjusted this policy! Buying a house is about 100000 more
second-hand housing transactions, mortgage loans can not be reduced to death.
Ms. Liu cried out because of her mortgage loan.
she sold a school district house in the old town, and had to change to a big house with improved type. The buyer has handled the mortgage business last month, so far the mortgage has not yet come down, she calls every other day to ask, the agency said, the bank did not have a line, in addition to, there is no good way.
"I am still waiting for the money to make a down payment. It takes so long. Developers said that no longer pay the first payment, 100 thousand fixed gold will not retreat, the house is not left, really anxious. Ms. Liu said she had been waiting for almost two months.
the person in charge of a real estate agency in Ji'nan said frankly:
lending is really slow now and can not be given a pass letter. When the amount is sufficient, the money is released at any time. Now, put a batch at the beginning of each month, and put a batch at the end of the month. If you can't get on the team for the two time, you can only turn to next month.
the credit manager of a state-owned large state bank said:
is normal for two or three months because of the tight mortgage amount, quick words for a month. It is understood that some small and medium-sized banks simply do not pick up the mortgage business.
some buildings require customers to buy a full house
"slow net, no net sign can not handle loans; slow payment, even if the net signed, customer formalities are prepared, but also have to wait for bank lines. Therefore, we are simply a move: the whole customer priority, loan customers Shoufu high priority.
Ji'nan, a high-end property sales officer, admitted that under the current housing situation, it is also a frustration to ask customers to buy houses in full. After all, the opening of tens of millions or even hundreds of millions of dollars is not a fractional sum.
all housing, for those who are not bad money buyers, still can afford to eat, high-end hot real estate also has this bottom.
but, for the just disk is not realistic, the high quality customers who can buy a full house are often attracted to the high-end property, more ordinary customers are more sensitive to the mortgage, this change of interest rate means to pay more real gold silver.
a senior person in Ji'nan real estate said that housing loans have always been an important factor in the real estate market, the cold current is spreading, and the first suites of Beijing and other cities have risen 10%, which may be a fatal blow to the market.
account book account
1 million loan 30 years, 100 thousand interest rate
first set of mortgage interest rate adjustment, what does the buyer mean? Different interest rate discounts, how much interest will be bad?
we calculate:
to loan 1 million Yuan, loan term 30 years as an example of
if using the same amount of principal and interest repayment, if the loan interest rate of 10 percent off (4.41%), the monthly supply of about 5013 yuan, the total interest of 804 thousand and 800 yuan;
if the implementation of the benchmark interest rate (4.9%), the monthly supply of 5307 yuan, the total interest of 910 thousand yuan.
obviously, interest should be increased by more than 100 thousand yuan.
and interest rate changes with the interest rate adjustment of the people's Bank of China. Once the discount is fixed, it will remain unchanged.
if you just need a family of
see this news
is the mood more heavy?!
it's really not easy to buy a house!