On site investigation of mortgage policy of 13 commercial banks in Ji'nan
source: Volkswagen daily
word: T|T
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a more than a month ago, "five countries", in March 31st, Ji'nan, Qingdao and other cities have announced the target of house price control.
the reporter visited 13 banks for the first time, and carried out one by one investigation on whether the interest rate of the housing loan was cancelled, the loan amount was sufficient, and the period of the loan period was extended.
the first mortgage rate is still 10 percent off preferential
"according to the situation provided"
Ji'nan, Qingdao issued house price control target, the bank mortgage interest rate has not risen to the top, the eligible customers are still likely to get preferential. During the interview, most banks told reporters that in the first half of last year, the 15% off discount of the first mortgage interest rate was abolished. However, some banks said they could still offer a minimum 10 percent off interest rate on mortgage loans.
a branch of Agricultural Bank in charge of personal loan business staff told reporters that if it is the first suite of mortgage, then the bank has a cooperative relationship between the one hand housing loan interest rate can be 10 percent off. In addition, a number of banks, including the Construction Bank, CITIC Bank, Pufa Bank and Huaxia Bank, are the important basis of whether the real estate and the bank have a cooperative relationship as a buyer, and the maximum discount is 10 percent off.
User qualification is also an important factor affecting the degree of preference. "The specific degree of preference is affected by income, work stability, debt, credit, and so on. For high quality customers, we must not carry out high interest rates." A customer manager of the industrial and commercial bank told reporters. Shanghai Pudong Development Bank and Huaxia Bank have repeatedly emphasized user qualification.
2012 May, with the market warming, the lending rate of banks has eased up, and the major banks have resumed a 15% off discount. At the beginning of September, with the increase of regulatory expectations and the tightening of credit lines near the end of the year, some banks began to cancel the first mortgage interest rate concession.
a staff member of Pudong Development Bank said, as far as he knows, Ji'nan has no bank to implement 15% off discount now. "There were 30 percent off times before, and now 10 percent off is good. The discount will be smaller and smaller."
Construction Bank an employee also thinks, Ji'nan, Qingdao issued housing price control targets, the implementation of the mortgage policy is still a period of time, mortgage 10 percent off "stay" is also difficult to say, "besides, the next step, the two cities will be more stringent rules? The discount offered by banks will be reduced.
some joint-stock banks
faded out of the mortgage business
reporter survey found that part of the joint-stock banks in the provincial capital mortgage business has shrunk. China Merchants Bank Ji'nan branch loan manager Liu told reporters that the head office has developed a series of budget and assessment system to guide the contraction of mortgage business. The specific requirement is that the overall interest rate of housing loans should be set at the benchmark interest rate or above.
industry insiders pointed out that the first set of mortgage interest rates on the base line is obviously not attractive to buyers, compared with the first set of mortgage concessions implemented by many banks; while in the first suite, the benchmark interest rate for the two suite was 10%, but the real estate market was abandoned.
this is indeed the case. "Since 2010, we have been in a state of withdrawal. 2011 - 2012 Ji'nan branch has rarely done mortgage business." Manager Liu said.
coincidentally, some of the joint-stock banks such as people's livelihood and Ping An have indicated that they are or are fading out of the mortgage business. Minsheng Bank, a staff member told reporters that the bank has no loan limit, mortgage business suspended.
the mortgage has always been considered a good loan. Why does the joint-stock bank "don't look at it"?
"we use most of the loan amount on the small and micro enterprises." An employee of a Ping An Bank said the reason for it.
industry analysis, loans to small and micro enterprises generally float 20% - 30% according to the benchmark interest rate. Compared with the first suite discount, the two suite only floating 10% interest rate, operating loan interest rate is much higher.
an industrial and commercial bank employee thinks that joint-stock banks prefer small and micro loans to the natural choice of the "blue sea" of the market. "The credit lines of the state-owned banks are more, and they can be both personal and enterprise loans." Instead of competing with state-owned banks in the highly competitive mortgage market, small and medium-sized banks will shift the limited amount of emphasis to more profitable small and micro enterprise loans.
no obvious pressure
in the survey, reporters found that, since the end of March is the "country five" local edition of the deadline day, second-hand housing transactions in rush to catch the "last bus", in order to snatch the rules before the completion of the transaction, the purpose is to avoid higher transaction costs.
3 27, reporters in the Ji'nan real estate building trading center hall to see, came to deal with business almost burst. According to statistics, in from March 1st to 24th, the number of second-hand housing net signed in Ji'nan reached 7589 sets. "This is a number of days, usually about two thousand units per month." A media man who followed the real estate market for a long time told reporters. March 18th - 24, a week, Ji'nan second-hand housing network signed 2611 sets, an increase of 557.7% over the same period.
, however, from a recent period of time, the "five countries" did not have much impact on the interest rate of second-hand housing loans, and their preferences or otherwise depends more on whether there is a relationship between banks and intermediaries. "If you are a cooperative intermediary, you can enjoy 10 percent off benefits. If there is no cooperation, it will still be implemented at the base rate. " Introduction of a business branch of the Construction Bank.
the second-hand housing market is hot, will not cause pressure on the bank loan amount? The reporter interviewed the majority of the banks, although the current second-hand housing loans have increased, but there is no obvious pressure. "At present, although the second-hand housing loan is more, but do not have to worry about the issue of our lending quota, and we cooperate with the real estate about a week or so to complete lending, second-hand housing may need about 20 days." A customer manager at CITIC Bank said. Other banks have also said that the first hand housing loan can generally be completed in 1 to 2 weeks, second-hand housing involves transfer and other related procedures, usually in a month or so to complete lending. A city commercial bank credit department staff told reporters that lending is unimpeded, partly because the loan volume in the first quarter is relatively loose.
at the moment, Ji'nan and Qingdao have just introduced house price control targets. Will this affect the implementation of the loan business that is being bid? All banks say that all will be based on the time of approval. "If we complete the examination and approval before the policy changes, we will follow the current policy; otherwise we will have to follow the new policy." A staff member of the industry bank said.