Recently, the news that individual banks have stopped issuing housing loans has aroused strong concern of property buyers. At present, bank lending is generally in a slow stage, and there is no suspension of lending, but the fastest lending speed is about 1.5 months, which is more intense than the end of the first quarter. What caused the bank to lend so slowly?
A person familiar with the matter said that since the introduction of the "3 17" New Deal, the speed of bank lending has been slowly tightening. Under the "tightening curse" of continuous tightening of monetary policy and strict control of real estate credit, it is also the general trend for banks to tighten credit, which is in line with the overall policy orientation of the property market. Therefore, it is very slow to apply for loans, especially housing loans. The change of mortgage interest rate policy is closely related to the adjustment of macro policy, and it is also expected that banks will adjust the credit environment through loans and interest rates.
In addition to policy factors, the liquidity of the current market is further tightening, which leads to the tightening of the internal quota of banks. Generally speaking, banks have adopted strict liquidity control measures, thus tightening the lending speed. In addition, after the 20 16 real estate loan was put into use quickly, the optimization of credit structure became the primary task of the bank, and the bank completed the reasonable allocation of funds by adjusting the proportion of credit structure.
The enhancement of risk awareness and the increase of borrowing costs have also led to the slowdown of bank lending. This is mainly due to the increasing awareness of banks on risk control of real estate loans. Not only in lending, but also in the face of new mortgage customers, banks are stricter in process review than before, which leads to a slow overall processing speed; At present, the benchmark interest rate of banks is low. In the case of tight market liquidity, the cost of lending and capital pressure are on the rise.
The property market in 20 17 is different from the past. After 20 16 years of relaxed credit environment, the mortgage policy continued to tighten. Just entering the middle of the year, the bank's lending speed is very slow, and the cost of buying a house for buyers is gradually increasing. In this regard, "Jia Wei Anjie" people pointed out that despite the continuous tightening of credit, as long as you find a suitable loan method, you can also use the loan to buy the house you like. Relevant persons of "Jia Wei Anjie" believe that for those who just need to buy a house, it is not only difficult to buy a house, but also more difficult to sell a house after the tightening of the property market regulation policy, especially in today's policy environment. If you can find a suitable house, it doesn't really make much difference when you sell it. Remind buyers that when buying a house, they should consult whether they can get a loan smoothly. At present, most "just-needed" property buyers are people who rent houses or come to Beijing from other places, so we should try to choose small-sized houses with lower total price. In addition, if it is not urgently needed, try to avoid "school district housing", because this kind of housing has a high total price and a large age, and the loan amount and years will be limited, which will increase the pressure on buying a house.
If the purchased house area is small and the total price is low, it is suggested that buyers can choose provident fund loans or portfolio loans. At present, due to the slow lending of commercial loans, the choice of provident fund or portfolio loans is not much different from commercial loans in the pace of lending, but it can save more interest under the same lending conditions.
Most "improved" buyers belong to the type of "selling small and buying big", that is, selling existing houses and buying new ones, so the apartment type they choose is usually relatively large. However, at this stage of slow bank loans, if you want to sell a small house as a big house, you must consider whether the small house can be sold smoothly, and it is best to consider replacing the house after the sale.
There are various reasons for improving home ownership, but no matter what the reason is, the factor that needs to be considered is the same as the people who just need it, that is, mortgage pressure. In fact, the pressure to improve people's buying a house is far greater than that of those who just need it. Relevant persons of "Jia Wei Anjie" believe that it is a good choice to buy a house in full when the second home loan is down payment and the interest rate is raised. Because the loan amount is not much, and the speed of bank lending is relatively slow, buying a house in full is also a way if you can afford it. If you buy a house through a loan, you can choose a second-hand housing commercial loan.
Second, why is the second-hand housing mortgage loan of CCB so slow? The mortgage materials were sent to the bank on April 24, and there is no loan now.
Normal. Honey, wait another half month. Can you know the reason? Isn't the bank short of money recently? -_-#
Stop laughing at me. Recently, this is not because banks are short of money or not. The bank is unwilling to lend you money at such a low interest rate. This is the end of state supervision. It will take some time for the bank to submit the business for trial, and all the normal processes need to go. When the May Day holiday was postponed for a few days, and the interest rate was lowered in these two days, it had to be readjusted and the delivery quantity was increased. Accumulated a lot of loans. Need to review and review one by one.
But I have already approved it, and I am waiting for a loan. I applied years ago. It was approved on April 20th. Do you mean to wait a month for the loan?
How long has it been? Less than a month. Don't worry. You can't afford to get hurt if you are in a hurry. According to the normal procedure, it takes one month for CCB to apply for a loan.
Third, why is the second-hand housing business loan so slow?
There are two main reasons for the slow lending of second-hand housing business:
1. Banks set the upper limit of individual housing loans. On June 365438+February 3, 2020, the state promulgated (Notice on Establishing a Centralized Management System for Real Estate Loans of Banking Financial Institutions), which stipulated that the upper limit of real estate balance and the upper limit of personal housing loans should be set in stages. This notice has strictly tightened the amount of second-hand housing loans, which has led many commercial banks to suspend lending or even second-hand housing loans.
2. The property market regulation policy has been continuously enhanced. In the past two years, the state has been sending out the signal that housing is not speculation, with the aim of preventing the emergence of a real estate bubble and the systemic risks caused by it. Therefore, the policy of restricting the purchase and loan of real estate is constantly introduced to keep the real estate returning to the residential property. Therefore, all localities and functional departments are required to do a good job in preventing risks, and the banking industry should prevent high-leverage real estate speculation.
Fourth, why are commercial loans so slow?
Hello! At present, the loan scale of banks is very tight and the loan speed is slow. Loan customers are waiting in line for loans. I hope you will wait patiently and the bank will contact you on its own initiative.