1. Some banks have suspended second-hand housing loans. What are the reasons for the suspension?

The main reason is the regulation of the real estate market, because the country wants to use the money in the real economy and does not want to use the money in the real estate market and real estate. But to be honest, it is very difficult to do the real economy now. Especially during the epidemic, the real economy is really difficult, but banks' suspension of mortgage loans is mainly aimed at real estate speculators.

2. Have second-hand housing loans been suspended?

Loans for second-hand houses have not stopped, but the proportion of second-hand house loans is relatively small

3. Why have some banks suspended loans for second-hand houses?

This It is a policy to control housing prices, and it has a lot to do with the bank's funding situation this year. Now that commercial loans have been stopped, provident funds can still be applied for. Not all commercial loans have been stopped. It depends on the community. Currently, Yujingyuan can be applied for at ICBC For loans, those living in the water can get loans from China Construction Bank, but the loan conditions are stricter than before. As for when it will return to the past, I don't know. If a friend wants to buy a house in Feng County, ask the friend to ask someone to send a gift to the bank. They can collect your information first.

4. Why have some banks suspended loans for second-hand houses?

Affected by the policy, the loan quota in the industry may have been reduced that year, so

Generally speaking, different banks have different regulations and their approval processes, so the loan speed will also be They vary, and the borrower needs to refer to the relevant bank regulations for specific circumstances.

Normally, after the borrower meets the relevant loan conditions and completes the procedures, it usually takes half a month to apply for a loan. For example, the mortgage loan procedures are cumbersome and the property needs to be mortgaged to the bank. For this reason, it only takes one month. It is normal to handle it.