Ji'nan bank fully implement the new housing loan third suite loans will be completely closed
National Day, the state ministries and commissions issued a new policy on real estate regulation, suspended three sets and more than three sets of mortgages, and the first suite was also adjusted to 30% or more. Reporters recently visited a number of banks in Ji'nan found that the new round of mortgage policy has been implemented in place, the first suite 30% down payment, three mortgage loans also disappeared from the market.
first suite first pay 30%
"we started the new mortgage policy from September 30th, the first suite of down payment ratio is not less than 30%, the interest rate is the benchmark interest rate, the two suite down payment is not less than 50%, the interest rate is 1.1 times the benchmark interest rate, and the three suites have also been parked." China Merchants Bank Ji'nan branch personal credit department staff told reporters.
later, the reporter learned from Ji'nan industry bank, agricultural bank, construction bank, China bank, Bank of bank and other banks. At present, all the banks have implemented the relevant regulations of the new policy of the property market, and the minimum down payment ratio of the first suite is adjusted to 30%.
according to the new regulation, the first mortgage will no longer distinguish the area of the house, the proportion of the down payment will be raised to 30%, and the three apartments will be suspended. The two suite loan is the same as the original policy, the down payment ratio is not less than 50%, the interest rate is no less than 1.1 times of the benchmark interest rate.
the new mortgage policy, the reporter counted an account, with an area of 80m2, the total value of 480 thousand of the house to calculate, the original down payment as long as 96 thousand, now it needs 144 thousand. This really adds a lot of pressure to people who have just worked for a long time.
bankers believe that the bigger adjustment in the new deal should be the "one size fits all" of the first mortgage loan ratio. Prior to the first bank for the first housing loan in accordance with the housing area of the difference treatment, housing area of 90 square meters above the first set of housing loans to pay 30%, housing area less than 90 square meters of the first housing loan to carry out 20% payments. The proportion of the down payment ratio is 30%, which will inhibit some housing demand. "In the documents issued by the relevant ministries and commissions in the state, the commercial banks that do not conscientiously implement the differentiated credit policy have been seriously dealt with, so this time the banks are immediately implemented, and the commercial banks have specific requirements for the first suite, the two suite, the more than three rooms and more, and the commercial banks There is no flexible space for implementation. " A state-owned bank's home loan officer told a reporter in Ji'nan.
the interest rate discount of housing loan "is involved" to tighten the rate of
the first set of housing loans, before some banks linked it with the proportion of first payment, the higher the proportion of down payment, the greater the rate of loan interest rate. But in an interview, reporters found that when the banks began to tighten their mortgage down payments, mortgage interest discounts were also beginning to tighten. "Even now, even the best customers can hardly get the lowest 30 percent off interest rate discount." A number of commercial banks in Ji'nan told reporters that before, in their preferential policies for housing loans, the 30 percent off concessionary interest rate was the bottom line. Now, the bottom line of the preferential interest rate is up.
for example, before September, Everbright Bank had a 15% off interest rate on the first suite, and some VIP customers had a minimum 30 percent off discount policy. But yesterday, reporters from the Ji'nan branch of the bank learned that before the National Day holiday, the general bank of Everbright Bank issued a notice to completely cancel the interest rate policy of the first set of housing.
Construction Bank of Shandong Province branch told reporters that the bank's first mortgage rate is now very difficult to have a benchmark interest rate of 20 percent off, mostly in 10 percent off.
now, each bank's first payment ratio is no less than 30%, only a slight difference in the interest rate competition, but the bank did not play "price war" on the mortgage interest rate. Information from many aspects shows that the interest rate of many banks is rising with the tightening of the mortgage policy, such as the interest rate of the first suite is not discounted, the central bank and the bank can reach up to 15% off, and the two suite rate has risen to 1.1 times the benchmark interest rate. Prior to that, the first suite 30 percent off preferential interest rate is still part of the bank to attract high-quality customers signs.
third suites all shut down
prior to the regulation policy has been involved in stopping third sets of housing loans, Ji'nan as a non house price rises too fast, only a few banks such as the central bank announced a suspension of third sets of mortgage. Reporters learned that at present, most commercial banks in Ji'nan have suspended third loans. At this point, the third suite will formally bid farewell to Ji'nan.
a person in the Bank of Guangda told reporters that the general bank has already set out to stop three sets of mortgages and prohibit the use of consumer loans for buying a house. Ji'nan home bank loan department staff said that three sets of mortgage loans have been unable to apply for processing. However, the number of customers applying for three suites is relatively small, and the three suite loan has little impact on banking business.
in addition, banks in Ji'nan also stopped buying housing on mortgage loans. Bank personages said that in the future mortgage customers in the bid for consumer loans, the use of credit funds must be written, bank staff will be strictly supervised after the payment of the consumer credit funds, once found illegal misappropriation, may immediately recover funds.
previous mortgage applications did not deal with
in the face of the raid on the new deal, the most nervous is those who have applied for loans to the bank, and have already paid the first payment, but have not been approved by the buyers. "The loan application I just submitted in mid September has not yet been approved. Now the policy has been adjusted suddenly. Is it still necessary to pay the first payment?" Mr. Lu, a citizen, told reporters that if that was the case, he had to find a way to raise the first payment. The explanation given by
to these customers is different from that given by the bank. The staff of the Ji'nan branch of the China Merchants Bank said, "we have many such customers on hand. We can only put them on the side for a while, waiting for the explanation from the higher authorities." People in charge of the branch of the Construction Bank of Quancheng said they had implemented the new deal from October 1st, and the loan application before that will still be handled according to the old policy. The bank staff said that the bank will continue to distribute the mortgage according to 20% payments due to the loan application and approval before September 30th, and the loan related conditions and 20% payment conditions (the first purchase and the building area below 90 square meters). The bank will continue to grant the mortgage according to 20% payments; if it is in September 30th, Loans previously accepted but not approved will be implemented in accordance with the new policy. Industrial and Commercial Bank of Shandong branch business department responsible person told reporters that in September 30th has been informed by the higher authorities, October 1st began to implement the new policy on mortgage loans, before September 30th has been approved and signed the contract is not affected, the other conditions are in accordance with the new method.