65438+ According to the media1October 28th, some banks in Shenzhen have stopped providing personal mortgage loans; Banks with quotas will not be able to lend money until around March after applying for loans.
Moreover, with the tightening of the quota, the mortgage interest rates of some banks have also begun to rise. On the premise of customer's consent, the loan interest rates of first-hand and second-hand houses can be approved according to the normal process after rising by 60 and 100 basis points, but the mortgage interest rates of state-owned banks remain stable.
In addition, according to the new media of Viewpoint Real Estate, the mortgage interest rates of China Bank, China Agricultural Bank, China Construction Bank and China Industrial and Commercial Bank will be raised by 65,438 from June 27th.
Proportion of new individual housing loans:
It is reported that banks in Guangzhou have also received window guidance from the regulatory authorities, proposing that the proportion of new personal housing loans should not exceed12.6%; At the same time, the monthly new personal housing loan amount of banks cannot exceed the average lending amount in three months in 2020: 10,10, 12.
One more thing, some banks have stopped providing personal mortgage loans; Banks with quotas will not be able to lend money until around March after applying for loans. If you have better qualifications, it will be easier to get a loan. But for people with average qualifications, lending is slow.
Reference source: Shenzhen-Hong Kong Online-Some banks in Shenzhen raise interest rates.