Ji'nan renovation loan interest rate to float at least 10% more banks to suspend personal credit
source: the Ji'nan times Author: Li Xin
news on the interest rates of individual consumer loans raised by big city banks in Beijing and Guangzhou. "Do banks in Ji'nan need to raise interest rates on consumer loans, too? I'm trying to apply for a loan for the last few days. " Xiao Zhao, who is preparing for renovation, told the reporter with a worried face. On the 10 day, the reporter visited a number of banks in the identity of the housing decoration loan applicants, and found that the current bank consumer loans generally carried out the floating rate, the lowest up to 10%. In addition, the reporter also found that most banks are strict with loan collateral, and no longer handle personal credit loans.
[b] house decoration loan interest rate to float 10%~30%[/b]
the Bank of Agricultural Bank of the Bank of branch customer manager Mr. AI told reporters, as a kind of consumer loans, housing decoration loans to implement the interest rate floating policy, generally at least 10%, and will also be based on the applicant's work, assets, repayment ability and so on to adjust the floating range. . As for the maximum margin, Mr. AI laughed and answered "no top cap".
"sign the house decoration contract first, and pay 20% of the decoration amount as a down payment." After hearing a reporter to apply for a house decoration loan, Mr. Yan, the customer manager of the three branch retail banking department, first introduced the two conditions to the reporter. After that, she told reporters that the rate of this kind of loan was generally floating 30%, and the loan time was two or three years. Ms. Yan specifically mentioned that in order to prevent the loan from being used for other purposes, the bank staff needed to view and take pictures of the house decorated before and after decoration.
in addition, Ms. Zhang, customer manager of the Beijing branch of the Bank of communications, told reporters that in the bank's application for decoration loans, 30% of the down payment was required. "
" civil servants, business editor and other stable people can apply for house decoration loans, if the staff of the general company, I am afraid that it can not be here to loan. " Postal Savings Bank of the seven sub branch wu (sound) surnamed staff told reporters that even stable customers, interest rates also need to float 20%~30%.
reporter has learned from the deep development of the seven branch, the Bank of Qilu bank, the Bank of Shiqiao branch, the four branch of the Bank of China and the branch of the China Bank of Wei, and other branches of the Bank of China. The lowest interest rates of these banks are 20%, 30%, 15% and 20% respectively.
personal consumption loans which are closely related to the citizens' life are not only housing renovation loans, but also car loans. In the interview, the reporter also inquired about the interest rate of the car loan. Most of the bank customer managers suggested that the reporter choose the way to buy the car by the credit card installment payment. "The city money" is the reason that the customer manager gives.
[b] loans generally need mortgage property, credit loan difficult [/b]
10 day reporter visited nearly 10 banks, for personal credit loans, only the Bank of China, the interbank can be handled, but the demand is relatively harsh, other banks are clearly expressed that the credit can not be run. "What unit do you work for?" Hearing reporters wanted to apply for decoration loans, Mr. Zhang, the customer manager of Weiyi Road branch of the Bank of China, first asked reporters such a question. The reporter said that only ordinary employees, Mr. Zhang shook his head and said that he could not borrow from the Bank of China. Mr. Zhang said, although the bank can do credit loans, but the requirements of the applicant are relatively high, the first look is the occupation, generally speaking, civil servants, career editor, teachers and other professional applications are relatively easy, when the application, the need to choose in the loan use of decoration.
Ms. Zhang, the business department of Beijing branch, said that if there were no other real estate under the reporter's name, it could be secured by the third party. The reporter said he wanted to pass a credit loan, and Ms. Zhang said, "we have a very harsh demand for credit, first of all to be a VIP customer." Speaking of this, Miss Chang stopped. Obviously, reporters are not VIP customers. "We have stopped personal credit business since the beginning of this year," said Ms. Yan, a staff member of the above bank of China. As for the loan amount, it is determined by the value of the mortgaged house and the amount of the decoration. She said, for example, that if the value of the decoration contract was 300 thousand yuan, the mortgage assessment price was higher than the amount of the decoration contract, the applicant will pay 20%, that is, 60 thousand yuan is paid to the decoration company, and the bank will directly draw 240 thousand yuan into the account of the decoration company. However, if the mortgaged house price is lower than the decoration contract amount, the loan amount will be reduced.
Hou Lu, a branch of Qilu bank, said that if you want to get a housing renovation loan, you must have at least two properties and mortgage one of them. "Can you mortgage the property of the immediate family?" The reporter asked. "No, it must be the property of your family." Mr. Hou answered very crisp. According to introduction, the amount of loans is 70% of the assessed value of mortgage property.
is different from Qilu bank. Although Shenzhen development also requires property to be mortgaged, the real estate of the immediate family can be used. In the same way, ICBC also needs mortgage.