Ji'nan: Provident Fund loans become "sweet potatoes"
with the tightening of the mortgage policy, the bank's strict implementation of the second suites to pay 40%, interest rate tightening policy, the property market once trading light. Ji'nan's real estate market after the Spring Festival has a certain recovery, but the gap between the end of 2009 is still very large, and the volume of daily turnover is only thirty or forty sets. The sharp drop in the volume of real estate makes the credit of the bank drop sharply. In the case of two suites, many banks want to retain their customers' desire to "change", but the "red line" of the policy is a little difficult to let go, showing a little left and right.
the reporter learned in the interview that the two suite loans of some banks in the provincial capital were tighter than before, and some banks publicly expressed their strict standards for the first payment of two suites and the strict implementation of interest rates. However, in the specific real estate loan, some banks have some flexibility in respect of standards.
"our bank is now strictly carrying out the relevant standards for the two suites, with a down payment of not less than 40%, and the interest rate is up 10% on the basis of the benchmark interest rate." A staff member of a commercial bank told reporters 4 days ago. The reporter then came to a city in the sale of real estate, the sales staff told reporters that the banks with their real estate have two, one of them is the above commercial bank.
asked about the current two suites of the loan, the sales staff after consulting the bank staff, said that if you want to borrow from the commercial banks, the margin of the first payment is not very large, but there is a certain floating space on the interest rate, it should be able to do the benchmark interest rate. "At that time, the bank will investigate your information, including work units, income and personal credit records, and discuss them according to your specific circumstances."
the sales manager of a real estate in the west of the province told reporters that in several banks with their real estate, the restrictions on the two suites were indeed tightened, but there was still a certain amount of floating. "Now it is impossible to enjoy eighty percent off payments like the first suite, but not all to sixty percent off," Seventy percent off, we can still manage it. There is still room for negotiation on interest rates. "
"there is still competition between banks, some banks, especially commercial banks, are more flexible. This bank does not give a discount to two home buyers. Perhaps the other is given, and the banks are now tightening up, but it is difficult to unify the actual operation." For this reason, the manager said.
the credit department manager of a bank near the young east road told a reporter in a reporter's interview that the current credit personnel in the two suites loan policy implementation of the mentality, "now the volume of the house is less, the mortgage customers than last year, but this year, the credit task is heavier than last year, credit personnel pressure is now." When the policy of tightening up the two suite loans is implemented, the red line can not be broken, but the credit task is also to be completed, so sometimes it is quite contradictory.
reporter learned in the interview, because in the two suite policy implementation "tangled" mood, in order to retain more customers, now real estate and banks are strongly recommended provident fund loans to customers, because the provident fund loan is not restricted by the two suite, as long as the first suite is finished, you can then use the public deposit. Gold loan.