After the news of 20 banks suspending mortgage loans, First Loan found that the mortgage market in 2017 was different from previous years, and there were many more unspoken rules. I don’t know, have you discovered it?

1. People who can accept higher mortgage interest rates are more likely to get mortgages

Although, big experts have come out to refute the rumor that these 20 banks have stopped lending. It's just a small drop in the housing loan market, not even a fraction, and it can't make any big waves.

However, in fact, bank mortgage loans have indeed "rised all boats".

Although loan interest rates have not risen significantly, most banks have privately stated that there will be a shortage of mortgage loans this year. House buyers are waiting for loans. Those who want to get a mortgage loan as soon as possible can only accept an increase in mortgage interest rates. Priority is given to distribution rights.

And those buyers who are unwilling to accept this unspoken rule can only continue to wait in line.

2. Those who can accept additional conditions are more likely to obtain a mortgage

If everyone has similar loan application conditions, they will not be willing to accept an increase in loan interest rates to obtain a bank loan as soon as possible.

So, if you want to get a mortgage as early as possible, you can also solve this problem by accepting other financial products bundled with banks.

Some home buyers are unwilling to have their loan interest rates increased, nor are they willing to accept such financial products that cost tens of thousands or even hundreds of thousands, and are therefore included in the queue for loans.

3. Provident fund loans are the least popular

Although many companies will purchase housing provident funds for their employees. When everyone buys a house, they also hope to use provident fund loans to buy a house.

However, among developers, provident fund loans are the most unpopular loan method; some developers even explicitly prohibit customers from using provident fund loans to purchase houses.

There are two reasons:

1. The provident fund loan application procedures are cumbersome and time-consuming, which is not conducive to the developer's collection of money.

2. Developers cooperate with commercial banks and need to give priority to recommending home buyers to use commercial loans according to the contract; and the procedures and processing procedures of commercial loans are not as complicated and time-consuming as provident fund loans; it is beneficial to developers Money back.

4. Banks do not like home buyers to use portfolio loans

Banks are commercial institutions and are mercenary. Therefore, since commercial loans can get the most benefits, they are naturally more willing to recommend commercial loans first.

However, unlike banks, home buyers hope to save more money; even if they cannot use the provident fund loan, or the provident fund loan is not enough, they will resort to using combination loans to buy a house.

However, if this is the case, the bank will make less money; it will also have to endure the complicated processing procedures brought by the two loan methods; naturally, it will not be willing to allow home buyers to use combination loans.

However, you can now choose to apply for a portfolio loan in different banks, which is beneficial to both the bank and the home buyer; it is also more acceptable to both parties.

Finally, although the unspoken rule for buying a house with a loan is to buy a house with more money; however, if we can do more homework when buying a house with a loan and select more properties that can use provident fund loans; search more Some developers have preferential loan interest rates with banks; presumably, you can still get a mortgage as early as possible.

(The above answer was published on 2017-07-14, please refer to the actual relevant current home purchase policies)

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