At the end of the year, the mortgage was relaxed and the lending speed increased. It is worth mentioning that a month later, ordinary banks will have new quotas at the beginning of the year, and it is expected that the lending rate will be faster at the beginning of next year. At the end of the year, the mortgage was relaxed and the lending speed increased.
At the end of the year, the mortgage was relaxed, and the lending speed increased 1. A batch of loans may be concentrated in 1 next year.
Recently, a number of first-and second-tier cities have signaled the relaxation of mortgage loans, and there are also signs of loosening in Beijing. The first financial reporter learned from a number of banks and real estate agents that the queuing time of bank mortgage loans has been shortened. Some bank account managers told buyers that the amount of mortgage loans was relatively loose at the beginning of the year, and a batch of loans may be concentrated in 65438+1 month next year. If you apply for mortgage loans in 65438+February, the lending time can be shortened to1month.
According to the first financial reporter, personal mortgage loans in first-and second-tier cities such as Suzhou, Shenzhen, Guangzhou, Foshan and Shanghai have been relaxed to varying degrees. Recently, Chengdu has made it clear that it will promote the steady and healthy development of real estate, improve the efficiency of real estate examination and approval, encourage projects to speed up listing and sales, improve the supervision and use efficiency of pre-sale funds, and coordinate financial institutions to increase support.
The second-hand housing market has responded. Taking Beijing as an example, an intermediary revealed that its intermediary company sold more than 65,438+10,000 second-hand houses in the last weekend, which has basically recovered to the level of the first half of this year. But it remains to be seen whether it will last.
Beijing mortgage shows signs of relaxation.
"The amount is slightly looser, and the lending time is shortened but not much faster. The first-hand house is about 1 month, and the second-hand house is 2~3 months. The quota at the end of the year is still relatively tight. " A personal loan manager of a state-owned bank in Beijing said that although the current quota has been relaxed, the overall lending time has not been significantly accelerated due to the need to digest the existing mortgage lending and process requirements. The staff of another state-owned bank said that the notice of quota adjustment has not been received yet, and many customers are still waiting in line for mortgage loans, so it is difficult to predict the specific lending time.
Compared with pure commercial loans, the lending time of most bank portfolio loans (provident fund+commercial loans) will be slightly shortened. Some real estate agents said: "This is also a phenomenon after the regulation and overweight. Under normal circumstances, commercial loans are faster, but now they are recovering in this direction. " Another personal loan manager of several banks in Beijing revealed that the current mortgage (commercial loan) interest rate is still maintained at the level of 5.2% for the first suite and 5.7% for the second suite.
In contrast, stock banks and local small and medium-sized banks are more flexible. The account manager of a rural commercial bank in Beijing said that although the current quota has not changed much, there is internal news that a number of loans will be distributed in a centralized manner in June next year, on the one hand, to digest the stock, and on the other hand, to deal with some new loans. If the application is made in June 5438+February, the lending time will be shortened to about 1 month. At present, some existing mortgage loans after September have not been issued. The above-mentioned intermediary also said that a customer's loan of 1 in a state-owned bank in August and September had just been issued at the end of 10, and the average queuing time of second-hand housing commercial loans had been shortened from three months to two months, and that of joint-stock banks had been shortened to about 1 month.
Since Shenzhen launched the new policy of second-hand housing reference price in February this year, Ningbo, Chengdu, Shanghai, Guangzhou, Beijing, Sanya and other cities have also announced similar mechanisms. Recently, it is reported that some banks in Guangzhou can issue second-hand housing loans without reference price. The first financial reporter found that the transaction price of some communities has been lower than the guidance price.
An account manager of a rural commercial bank in Tongzhou District, Beijing said that at present, the bank still determines the loan ratio according to the online signing price of 3.74 million yuan in Beijing, that is, when the evaluation price is higher than this price, the maximum loan ratio (first suite) is 65%, and vice versa, it can be loaned by 60%, but the evaluation price has room for adjustment. Some intermediaries said that the evaluation price is generally 90% or even lower than the transaction price. "There are also times when the transaction price is lower than the evaluation price." The staff of a state-owned bank said that the bank's second-hand housing loans are based on ordinary housing and non-ordinary housing (area); 140m2 and located within the Fifth Ring Road), the former can borrow up to 65% (the first suite) and the latter can borrow 60%.
Second-hand housing sales in Beijing are picking up, and many cities have sent positive signals.
"The overall situation is definitely looser than before, otherwise we can't sell more than 1 0,000 sets (second-hand houses) in one weekend." Some real estate agents told buyers that the sales of their intermediary companies in Beijing had basically recovered to the level of the first half of the year last weekend. At one time, it was the most difficult time to sell 600~700 sets on weekends, corresponding to tens of thousands of brokers, with an average of 50 brokers selling 1 suite.
Due to the tightening of real estate control policies, the transaction volume of second-hand houses in Beijing has been declining continuously since July this year. According to the data of Zhongyuan Real Estate, the transaction volume of second-hand houses in Beijing was 17866 sets, 15942 sets and 12575 sets in July, August and September, respectively, with a decrease of 5.2% and 10.8 respectively. According to the data of Heshuo organization, on June 5438+065438+ 10/~ 23, 8252 sets of second-hand houses were sold in Beijing. Not only Beijing, but also the national property market has generally experienced a round of sales decline. Many people in the industry believe that the impact of regulatory policies is superimposed on the liquidity crisis of individual developers, and the demand side may be difficult to improve in the short term.
With the recovery of transaction volume, the price of second-hand houses in Beijing has also bottomed out. Take a second-hand house of 910.8 million yuan in a residential area in Haidian as an example. An intermediary said that a house with the same floor and the same apartment was just sold for 9.02 million yuan last month. At present, the negotiated price of the house is between 9.05 million yuan and 96.5438+0 million yuan. However, some bankers also said that due to changes in the policy environment, there is not much room for the upward price of school districts. According to the data of the National Bureau of Statistics, the price index of second-hand housing in Beijing has been rising since the beginning of this year, and it was not lowered until September, and it fell again by 0.5% in the month of 65438+ 10. Some insiders believe that both the decline in sales and the decline in high housing prices are related to the tightening of mortgages and the reference price policy for second-hand houses. In addition, the school's dicing policy has further affected the transaction of new houses.
However, after the regulatory authorities frequently voiced and released positive signals, many first-and second-tier cities issued signals of mortgage recovery. According to the first financial reporter, many cities, including Shenzhen, Foshan, Suzhou, Guangzhou and Shanghai, have accelerated the lending of existing mortgages to varying degrees. Recently, the Chengdu Housing and Urban-Rural Development Bureau issued the Notice on Accurately Responding to the Impact of the Epidemic and Fully Realizing the Annual Target, which clearly stated that it would coordinate financial institutions to increase the supply of real estate credit, speed up the distribution, ensure the reasonable capital demand of real estate enterprises and people who just need to buy houses, and postpone and cut interest rates on development loans for key enterprises. As a result, Chengdu became the first city to explicitly increase the amount of mortgage loans.
According to the latest data of RealData, the interest rates of mainstream first-home and second-home loans in more than 65.438+million cities monitored by Real Data have all dropped since 10, and the average loan cycle has been shortened for the first time since April. A few days ago, the minutes of the internal meeting of the Central Finger Research Institute showed that many participating banks said that many institutions had accelerated the implementation and landing of real estate credit improvement policies, but it still took a process to transmit to the market, and there were differences between different regions and different customers. Under the influence of "two red lines", banks have limited room to relax.
In response to a reporter's question, the China Banking Insurance Regulatory Commission 165438+ 10/9 stressed that by the end of 10, the real estate loans of banking financial institutions had increased by 8.2% year-on-year, and remained stable on the whole. More than 90% of individual housing loans are used to support the first suite and invest in the housing rental market. Loans increased by 665,438+0.5% year on year.
At the end of the year, the mortgage was relaxed and the lending speed increased. Since September, we have found that bank loans in Guangzhou have begun to accelerate silently.
Some netizens who bought new houses said that the bank lent money in just two months:
However, some netizens said that he sold a second-hand house in April this year and waited for seven months without receiving the money. ...
What the hell is going on? What is the bank mortgage situation in Guangzhou now? Is there a big gap in the lending speed of second-hand mortgage loans?
1 1 The mortgage interest rate continues to be lowered.
Let's take a look at the current mortgage interest rates of banks in Guangzhou.
According to our statistics, the mortgage interest rates of many banks in Guangzhou was significantly lowered in June 5438+065438+ 10.
At the end of June, 5438+ 10, only some banks lowered the mortgage interest rate. By the end of June 165438+ 10, many banks followed suit.
For example, the interest rates of the first home loans of Agricultural Bank and Minsheng Bank were slightly lowered. At present, the interest rate of prime Bank's first home loan is stable at 5.85%.
At present, the interest rate of the second home loan has been greatly reduced, and the current interest rate of the second home loan is basically 5.95% and 6%. When we counted 10 in late June, the interest rates of second-home loans in most banks were above 6%.
At present, the regulatory authorities emphasize that it is the general trend to meet the reasonable demand of buyers in terms of mortgage interest rate, and it is expected that the mortgage interest rate will continue to decline.
The interest rate of second-hand loans is uneven.
But there is an accelerating trend.
The interest rate of bank mortgage in Guangzhou has been lowered, and the tension in lending has also eased. Applying for a mortgage now will indeed be much faster than in the first half of the year.
Many banks said that they expected to increase quotas and speed up lending before June 5,438+10 next year.
In addition, as can be seen from the table, many banks do lend faster in terms of first-hand housing, such as China Merchants Bank and Guangzhou Bank, and it may take about three months to apply for loans; Here, the second-hand housing loans of the two banks are basically uncertain about the lending time.
However, the staff of a branch of China Bank said that the loan speed of first-hand houses in China Bank is not necessarily faster than that of second-hand houses, which depends on the cooperation between developers and banks.
In addition, we also asked the staff of a branch of the Agricultural Bank of China before, which said that the loan speed of the first-hand housing of the Agricultural Bank of China is also related to the qualifications of developers.
From the practical examples around us, in fact, under the background of comprehensive relaxation of bank quotas, both primary and secondary houses have accelerated the lending speed:
In September, some readers said that they bought a new disk, applied in July and lent it out in two months. It's really fast.
In terms of second-hand mortgage loans, banks in Guangzhou are speeding up the processing of the previous backlog of loans.
As we said at the beginning, the netizens who waited for the mortgage for seven months finally got the loan last Thursday!
In addition, there are cases where the loan exceeds 1 month.
Some netizens said that they recently applied for a second-hand housing loan at the Agricultural Bank of China, and they borrowed money for more than a month.
Generally speaking, in fact, banks have always taken care of first-hand housing loans, especially some well-qualified brand developers, which may have lower interest rates and faster lending. In some cases, some developers will apply for higher interest rates and strive for faster loans.
In addition, the complex transaction process of second-hand housing will also affect the lending speed of second-hand housing to a certain extent.
However, with the relaxation of bank quotas, not only first-hand housing loans, but also second-hand housing loans have accelerated lending.
Now the loan situation in Guangzhou is actually very clear:
On the one hand, some banks lend first-hand housing loans faster than second-hand housing loans.
On the other hand, the previous backlog of second-hand housing mortgage loans is being accelerated; In view of the actual situation and reasonable demand of some customers who just need it, second-hand housing loans have also accelerated lending.
For the property market, the reduction of mortgage interest rate and the acceleration of mortgage will further stimulate market transactions, and the heat of the property market may increase.
It is worth mentioning that ordinary banks will have new quotas at the beginning of the year, and it is expected that the lending rate will be faster at the beginning of next year. For many buyers who want to sell one and buy one, but are worried about the long cycle of changing cars, they can consider changing cars next year.
At the end of the year, the mortgage was relaxed and the lending speed increased. Recently, many first-and second-tier cities, including Beijing, Shanghai, Shenzhen, Guangzhou, Chengdu, Foshan and Suzhou, have heard the news of relaxing mortgages. In most cities, the waiting time for commercial housing is about 1 month, and the second-hand housing still needs 2-3 months.
And one month later, that is, in June next year, 5438+ 10, after the new year's quota starts, or after the mortgage is fully relaxed, many batches of loans will be distributed in a centralized manner.
Chengdu: Increase mortgage loans and speed up the issuance.
Chengdu became the first city in China to clearly coordinate financial institutions to speed up mortgage lending.
165438+1On October 23rd, Chengdu Housing and Urban-Rural Development Bureau issued the Notice on Accurately Responding to the Impact of the Epidemic and Fully Realizing the Annual Target (hereinafter referred to as the Notice).
The third point of the notice clearly promotes the stable and healthy development of real estate, and requires "improving the efficiency of real estate examination and approval", "encouraging projects to speed up listing and sales", "improving the efficiency of supervision and use of pre-sale funds" and "coordinating financial institutions to increase support".
It is worth noting that in the part of "coordinating financial institutions to increase support", it is proposed that:
"Coordinate financial institutions to increase the real estate credit line, speed up the issuance, ensure the reasonable capital demand of real estate enterprises and people who just need to buy houses, and postpone and cut interest rates on development loans of key enterprises."
Chengdu took the lead in relaxing mortgage loans, releasing a strong signal or boosting the recovery of the real estate market. The policy of actively relaxing mortgage loans in other cities across the country is also expected to be introduced in the future.
Beijing: Mortgage shows signs of relaxation.
Some banks will lend 1 or concentrate on lending next year.
Recently, Beijing's mortgage policy began to show signs of loosening.
According to media reports, a number of banks and real estate agents said that the mortgage loan quota of some banks in Beijing has been relaxed and the queuing time has been shortened. The loan time for first-hand houses in the bank is about 1 month, and that for second-hand houses is about 2-3 months.
Compared with the shortening of time, the mortgage interest rate has not changed much. Personal loan managers of many banks all said that the current commercial loan interest rate is still maintained at the level of 5.2% for the first suite and 5.7% for the second suite.
In addition, although the current quota is still relatively tight, a bank account manager revealed that there is internal news that a batch of loans will be issued in June next year, 5438+ 10, on the one hand, to digest the stock, on the other hand, to deal with some new loans.
In addition to Beijing and Chengdu, the mortgage policies of first-and second-tier cities including Shanghai, Guangzhou, Shenzhen, Hangzhou and Suzhou have recently been relaxed to varying degrees.
Guangzhou: Some banks can lend at the appraised price.
Recently, a news that "there are banks in Guangzhou that can issue second-hand housing loans without reference price" triggered a heated discussion.
In February, 202 1, Shenzhen took the lead in opening the new policy of second-hand housing reference price. Since then, Beijing, Shanghai, Guangzhou, Chengdu, Ningbo, Sanya and other cities have also announced the release mechanism of second-hand housing transaction reference price.
Since the implementation of the New Deal on Reference Price of Second-hand Housing in Shenzhen, the reference price of second-hand housing loans has been strictly implemented, but when the transaction price is lower than the reference price, the lower transaction price will still be used as the lending standard.
But the difference is that although Guangzhou has also issued a new policy on the reference price of second-hand houses, it does not explicitly require banks to strictly implement it. Therefore, banks basically follow their own requirements, and there is no rigid stipulation that the reference price of second-hand houses must be implemented.
Recently, some media reported that it was learned from many banks in Guangzhou that some banks can issue second-hand housing loans not strictly according to the reference price, but according to the evaluation price, but it does not rule out that they will strictly follow the reference price.
However, there are two preconditions for this part of bank lending: first, the evaluation price and the guidance price will not deviate too much; Secondly, when approving the loan, the bank will also verify the loan ratio and loan amount according to the number of housing units, credit mortgage loan records, income and other aspects under the lender's family name.
Both the recent relaxation of mortgage loans in some first-and second-tier cities and the fact that some banks can issue second-hand housing loans without reference prices have released a strong signal to maintain market stability.
Especially one month later, next year 1 month, the mortgage may usher in greater easing.
This is of course good news for the vast majority of housing enterprises, and they can receive some long-awaited sales refunds.
However, the whole market is still in a difficult period, and whether it can get rid of the predicament depends on the recovery of market confidence.