Is it true that the second-hand house stopped lending?
Some banks temporarily stop lending second-hand houses, and some banks' second-hand housing loans are indeed more difficult and the approval is stricter. Compared with before, interest rates have risen, and even some banks do not do second-hand housing business. The lending quotas of major banks are relatively tight. After approval, it is necessary to wait for the quota, and the lending time is uncertain.
Banks stop second-hand mortgages? Latest response!
0 1. Some banks suspended the second-hand housing loan business.
Nanjing, Zhengzhou, Chongqing, Wuhan, Hangzhou, Hefei and other cities have all tightened their bank mortgage business:
The Beijing News reporter called Bank of China, Industrial and Commercial Bank of China, Agricultural Bank of China and China Construction Bank in the name of the need for second-hand housing loans, and then got the answer that the second-hand housing loan business was temporarily suspended.
According to the current situation:
Some banks suspended the second-hand housing loan business.
Some banks have set strict loan conditions, such as accepting only second-hand houses in the central city, which are no more than 20 years old.
This means that most school districts in the core city are also included in the scope of loan restrictions.
Guangzhou: Mortgage prices rose again, and second-hand houses temporarily stopped lending;
Hangzhou: A number of banks stopped second-hand housing loans;
Hefei: Six bank branches stopped second-hand housing loans;
Wuhan: most banks stop the second-hand housing loan business; Several banks are doing it, but it's scheduled for next year.
In 2002, mortgage interest rates generally rose.
At the same time, mortgage interest rates have generally increased recently. In June, the interest rate of the mainstream first home loan in 72 cities monitored by RealData was 5.52%, and the interest rate of the second home loan was 5.77%, which was significantly higher than that at the beginning of the year.
Among the hot second-tier cities, Nanjing, Zhengzhou, Chongqing, Wuhan, Hangzhou, Hefei and other cities have seen the phenomenon of bank mortgage business tightening: some banks suspended the second-hand housing loan business, and even some banks suspended the new housing loan business.
Yan Yuejin, research director of the think tank center of Yiju Research Institute, said in an interview that in fact, the loan suspension business is related to the loan amount. While implementing the centralized management system of real estate loans, all localities naturally need to strictly control loans. In terms of loans, it is generally to stop second-hand housing loans first, and then strictly control first-hand housing.
The mortgage is suspended or the audit period is extended for at least three months.
According to media reports, Wuhan has recently tightened its personal housing credit business in hot second-tier cities. Some banks temporarily refuse to accept the provident fund business of new houses and second-hand houses, and some banks suspend the acceptance of second-hand houses.
The tightening of mortgage in Wuhan is a microcosm of the change of national real estate credit policy. The "Securities Daily" reporter learned that the amount of second-hand housing loans in many cities is tight, and the lending cycle has been extended to three or four months. Even some banks have stopped handling new and second-hand housing loans.
Why did the bank stop second-hand housing loans?
A number of banking industry insiders said in an interview that the bank's suspension of mortgage business is mainly related to the tightening of loan quotas.
Personal loan managers of some banks in several hot cities in Guangdong told reporters: "At present, second-hand housing loans are not accepted, and many state-owned bank outlets do not have second-hand housing loans." A personal loan manager of a joint-stock bank in Wuxi told the Securities Daily reporter: "At present, the loan period of second-hand houses is at least three months."
The reporter found in the interview that not only the second-hand housing mortgage has been tightened, but also the new housing mortgage has been tightened. "Due to the tight quota, the mortgage business of new and second-hand houses was suspended, and the second-hand house loan processing business was scheduled for 2022." A personal loan manager of a state-owned bank in Nanjing told reporters.
At the same time, property buyers in many cities also told reporters that it is difficult and slow to approve loans when applying for mortgage loans from banks.
At present, the cities with tight mortgages are all hot cities where the local property market has recovered too quickly this year and the market turnover or price has risen. For example, Guangzhou, Wuhan, Chongqing, Hangzhou, Nanjing, Hefei and Huizhou.
In the second half of this year, will the tight bank loan quota be eased? Pan Helin believes that the amount of housing loans will continue to be tight in the second half of the year, and housing credit will be further tightened until the trend of real estate prices tends to be parallel or downward. Under the background of the current upward cycle, the overall practice of cooling real estate by policies will not change, and financial institutions such as banks need to further adjust the credit structure.
What does it mean for the state to stop second-hand housing loans?
This move can slow down the circulation of houses and cool the market.
This year, the qualification and approval of mortgage loans will be stricter. Behind these things, what we see is that policies are being fulfilled little by little, and regulation is stripping real demand from every line. After reviewing the loan qualification and lengthening the lending process, the transaction volume of second-hand houses is bound to decline. In this way, the market fever soon came down and house prices became more stable. For those who just need it, a stable market is more favorable.
The above is about whether the bank stopped the second-hand housing loan, and why the bank stopped the second-hand housing loan. The policy of stricter qualification of second-hand housing loans+longer lending time+partial suspension of loans will bring a serious blow to the second-hand housing market of real estate speculators. Friends who want to buy a school district should be cautious. Now the school district housing also has relevant policies, and continue to understand here.