1. When can Bank of Communications mortgage loans be disbursed in March 2021?

Under normal circumstances, after submitting an application for a home loan, you will receive a reply within three days, and it will take about 10-30 days for approval.

If you need to apply for a mortgage to buy a new house, and the property has already obtained a pre-sale certificate, you only need to apply to the bank, and the bank will check your credit record with the People's Bank of China. If there are no problems, you will be contacted within 3 days. Respond to personal loan applications and require you to submit relevant copies of certificates, income certificates, down payment documents and other information as required, and at the same time sign relevant loan contracts and other bank documents and documents.

After the bank collects the information, it will submit it internally for approval, and then go to the housing management trading center to handle the mortgage registration procedures, which will take about 10 working days until the trading center issues other warrants (issued by cities that implement real estate registration) The bank will issue the loan within 3 working days after obtaining the "Real Estate Registration Certificate".

If you need a mortgage to buy a second-hand house, after applying to the bank and confirming that there is no problem with the credit report, the bank will confirm the acceptance. You need to conduct a comprehensive evaluation of the house through a third-party evaluation agency. 3 tasks An appraisal report will be issued around the same day, and the bank will then approve the proportion of the loan based on the appraised value. If the total down payment of the loan is less than the contract amount registered in the housing management trading center, the difference must be paid before the transfer procedures are completed, and the relevant documents must be submitted to the bank for reference. After passing the review, the bank will issue a loan approval letter. After the buyer and seller receive the loan approval letter, they will go to the housing management and trading center to transfer the property. After the transfer is completed, the deed tax receipt and the certificate collection notice will be handed over to the loan bank (if it is handled through a guarantee company, the bank will The loan amount will be released to the original homeowner within 24 hours), the bank will use the house book to process the mortgage of the property, and finally the bank will issue the loan.

Usually it takes about 2 weeks to 1 month from the time the lender submits the information to the disbursement of the loan. Due to the different processing progress of each institution and the personal reasons of the staff, the loan processing cycle will vary.

2. Interpretation of the latest loan policy in 2021

Due to economic conditions, anti-inflation and other reasons, most home buyers will choose to buy a house with a loan. The process of buying a house is complicated, and many home buyers are unclear about various issues in the loan process, such as loan qualifications, repayment methods, loan interest rates, etc. for provident funds and commercial loans. This article will give you detailed answers from these dimensions. imgsrc='-I-qvj2LQ49k0/295308f0775041bb815450500646b18e'/(1) Commercial loan qualifications 1. Have legal and valid identity certificate. For Chinese citizens aged 18 to 65, the maximum loan term is 30 years. 2. Good credit report. Generally, those who have overdue repayments for three consecutive months and a total of six overdue repayments will be deemed to have bad credit. The more delinquencies you have, the worse your credit score and the greater the chance of loan rejection. 3. Have the ability to repay the principal and interest of the loan on time. The monthly expenditure for repaying a housing loan shall not exceed 50% of the monthly income, and the monthly debt expenditure shall not exceed 50% of the monthly income. In other words, your income must be at least twice your total monthly debt. For example, customer A has a monthly car loan repayment of 1,300 yuan and no other debt records. He now wants to purchase a commercial house in Shibei District through a commercial loan with a monthly payment of 6,000 yuan. Excuse me, what is the minimum amount required to issue an income certificate? Solution: The minimum amount of income certificate is (13006000)2=14600 yuan. (2) Provident Fund Loan Qualifications According to the "Qingdao Individual Housing Provident Fund Loan Management Measures", Qingdao Provident Fund loan qualifications mainly include the following types: 1. Be the property owner of the purchased house; 2. Have permanent residence in the administrative area of ??Qingdao City Hukou or valid residence status; 3. Meet the housing provident fund payment conditions for loan application; 4. Have a house purchase contract or agreement and relevant supporting materials, and the down payment ratio for house purchase meets the prescribed requirements; 5. Have a stable career and income, and have good credit , have the ability to repay the principal and interest of the loan as required; 6. Agree to handle the loan guarantee and related procedures approved by the Provident Fund Center; 7. The house purchased by the loan applicant must be the first self-owned house for the family (including the loan applicant, spouse and minor children) Households of deposit-paying employees who live in a house or a second improved ordinary self-occupied house or have purchased a third or more house or have used provident fund loans twice are not allowed to apply for a provident fund loan; 8. Neither the loan applicant nor his spouse has any outstanding loans. Clear provident fund loan.

Employees with household registration in this city who have paid housing provident funds in other places (employees in the four cities of Jiaodong are not subject to household registration restrictions) and meet the above loan application conditions can apply for provident fund loans to the Provident Fund Center in accordance with regulations with relevant certificates. imgsrc='-I-qvj2LQ49k0/4DDA9f84f28f4565a7014a87fefc67cf'/imgsrc='-I-qvj2LQ49k0/04DC93DC43244f0db29caf00f195BC4e'/Tip: The first and second suites are recognized as standard. imgsrc='-I-qvj2LQ49k0/69d00BC76BD54f95a7F2a1BF91e1db4c'/imgsrc='-I-qvj2LQ49k0/9ab6ef44dffc4a4588856fa460b85e69'/The following three points must be met at the same time, whichever is shorter than the loan period: (1) House age: Most banks require house age 30 years. (2) Age of the borrower: loan period. The borrower is 70 years old. (3) Maximum loan period: bank loan period is 30 years. Note: The above are common standards for most banks, and the specific implementation is subject to the actual situation of the bank. For example, customer B, registered in Qingdao, 53 years old, wants to buy a second-hand house in Shibei District through a commercial loan from China Construction Bank. The loan was completed in 2010. Please calculate the maximum loan term for b. The solution is based on the age of the house, the construction year is 2010, the age of the house is 2022-2010=12 years, and the age of the house is 50-12=38 years (Note: China Construction Bank requires a bank loan period of 50 years); according to the age of the customer and the bank loan According to the policy, the maximum loan age of CCB is 70 years, 70-53=17 years; so according to Qingdao’s loan policy, the maximum loan period for Xiao B is 17 years. imgsrc='-I-qvj2LQ49k0/7b25210CFC6047FD9f8243e537E4E3c3'/According to the interest rate data of 14 key banks in Qingdao provided by Ke Holdings, HSBC has the lowest mortgage interest rate, with the first home loan interest rate being 5.05% and the second home loan interest rate being 5.30%. Note: The above bank interest rates were collected on April 21, 2023, and are for reference only. The details are based on the bank's current execution interest rates. 1. Equal principal and interest add the total principal and interest of the mortgage loan, and then divide them evenly into each month of the repayment period. Therefore, the borrower's monthly repayment amount is fixed, but the proportion of principal in the monthly repayment increases month by month, and the proportion of interest decreases month by month. Suitable for people: Since the monthly repayment amount is fixed, family income expenditures can be controlled in a planned way, and it is also convenient for each family to determine their loan repayment ability based on their own income. Therefore, it is more suitable for families with normal spending plans, especially young people whose financial conditions do not allow excessive initial investment. This method can be chosen. Groups such as civil servants and teachers with relatively stable incomes and job opportunities are also suitable for this repayment method. 2. Distribute the principal to each month with equal amounts of principal, and at the same time pay off the interest between the last trading day and the current repayment date. Therefore, the repayer pays more interest in the early stage, and the repayment burden decreases month by month. Suitable for people: Since the monthly principal repayment amount is fixed, and the interest repayment is getting smaller and smaller, the borrower has greater repayment pressure at first, and as time goes by, the monthly repayment amount becomes smaller and smaller. Therefore, it is more suitable for borrowers with strong early repayment ability, such as middle-aged people with good financial strength. Take a loan of 1 million and a plan to repay it in 20 years as an example to distinguish between the two: (Pictures are from the Internet, deleted due to infringement) Shell House Search Qingdao Station Thank you for watching.

Related questions and answers:

3. What is the current bank loan policy?

The interest on bank loans is calculated based on the interest rate. The interest rates of major banks are based on the central bank’s benchmarks. It operates based on interest rates, so for the same loan method in different banks, as long as the loan period is the same, the interest rates are the same! You can submit a loan application online, and within 2 to 3 working days (excluding weekends and holidays), you can check the progress of your loan! Click the online loan application link: /activity/product/creditloan-dashi-lucyl-index.html Report loan scammers and get cash rewards /market/safe/report/index.html?flawcommender=lucyl

Four, 2021 Bank loan policy?

1. Mortgage lending has become stricter, and interest rates have jumped!

During the epidemic last year, in order to "relieve" real estate companies, both finance and supervision took measures. Relax. For example, in some cities, the down payment for a first home has been reduced to 20%, the LPR quoted interest rate has been reduced, etc. The purpose is to help real estate companies increase sales and withdraw money as soon as possible after the sales department is closed.

After the resumption of work and production, the relief measures introduced in response to the epidemic were gradually withdrawn, the monetary policy also returned to neutral, and the loan policy was gradually tightened. By the beginning of this year, various new policies were introduced, which had a negative impact on the original property market. The policy will be "strengthened"!

For example, strictly check the flow of business loan funds and the source of down payment. Even if you borrow money from your parents, you must check the bank statements for half a year to prevent illegal funds from entering the property market for speculation!

In some cities, such as Guangzhou, some banks have suspended the acceptance of second-hand housing loans or suspended loan approval due to the large number of people waiting in line for loans. Some customers accept packages.

As the difficulty of lending increases and the volume of mortgage loans is squeezed, mortgage interest rates are also rising! Some netizens in Guangzhou reported that the local maximum loan interest rate for first-time buyers has reached 6.5%, which is equivalent to an increase of 185 basis points in LPR! It is much higher than the policy starting line, indicating that the loan market is already somewhat in short supply!

Of course, compared with second-hand home loans, new home loans are relatively better! According to some banks in Guangzhou, for properties with cooperative relationships, if customers There is demand for loans and we are still accepting orders normally.

The loan situation in Kunming is also very similar!

Today, I specifically asked several cooperative banks. They said that currently, whether it is a new house or a second-hand house, loans are normal. There are no new changes in the down payment ratio, but the source of the down payment is strictly checked! If it is not compliant, the loan is likely to be rejected! The loan interest rate has generally reached 5.6%, which is LPR plus 95 basis points. Although it is far lower than the Guangzhou level, Compared with last year’s 4.9%, it has increased significantly!

2. What are the reasons for these situations?

As far as real estate is concerned, I think there are three reasons:

01. The direct reason is the tight supply and demand in the loan market!

This is more obvious in big cities such as Guangzhou and Shenzhen!

Guangzhou second-hand housing loans It can be said that it is "hard to get a loan"! With more people buying houses, the demand for loans will be greater, but the amount is limited, and most of the money must be released to the real economy, so there will be less money to release to the property market.

As a result, the supply and demand relationship in the loan market is naturally prone to imbalance, which can easily lead to tight demand for loans, thereby increasing queue times and pushing up loan interest rates.

02. The main reason is the tightening of regulation on the property market!

Since the second half of last year, regulatory policies for real estate have been tightened. For example, the "three red lines" for developers are tightening financing on the "supply side" of the property market.

After entering this year, mainly after the "Two Sessions", the "14th Five-Year Plan" clarified that we will continue to implement the spirit of "housing for living, not speculation"! This means that in the next five years, the tone of regulatory policies has been clear.

So, after the "Two Sessions", the Ministry of Housing and Urban-Rural Development began to supervise the housing prices and property market policies of hot cities, and the People's Bank of China also strengthened control over financial policies. As a result, various localities began to tighten control policies, began to strictly inspect the flow of operating loan funds, and began to strictly inspect the source of down payments.

As a result, the "demand side" of personal loans will begin to tighten, loan conditions will become stricter, loan times will be extended, the number of people waiting in line will increase, and the natural interest rate will "rise."

03. The fundamental reason is national competition!

As China’s economic aggregate gradually approaches that of the United States, it is the only country in the world that is growing and approaching the United States year by year! And Japan and Germany, although It is growing every year, but the gap with country M is widening year by year! Therefore, country M thinks that we are a "threat"! Therefore, it will inevitably make all kinds of "difficulties"!

Our property market has problems It’s a “bubble”!

If this bubble is not resolved, the fruits of decades of hard work and reform may be swallowed up. But as economist Ren Zeping said, our future economy may potentially catch up at twice the speed of Country M. Our urbanization still has room for improvement by about 10 points, so we still have 10 years. To "digest" the property market bubble.

However, Western countries may not give us such an opportunity! In addition to Xinjiang cotton, their attack point may also be our property market. How to attack effectively?

Capital means! Hot money comes in to guide, help, and use more private funds to blow up the "bubble" and burst it, or make the economy uncomfortable! Block or slow down the development of China's economy , giving the West more time and opportunities to snipe!

However, our management is not a vegetarian! We started building the "fence" as early as last year! The "three red lines" for developer financing will be strictly enforced this year. Check business loans, strictly check the source of down payments, increase loan interest rates, and increase the sales restriction period. This is to tell them and private funds that may "follow the trend" not to mess around! There is no chance even if you come!

So, "stabilizing housing prices" is very important.

3. How to deal with urgent needs reasonably?

My suggestions are two points:

01. If you are not in a hurry, you can slow down

At present, the mortgage policy is very strict. Although you are in urgent need, you may still be "accidentally injured". You can wait for the policy to pass. The policies that have just come out are often very strict in implementation. After the effects of the later policies are revealed, the standards will be looser.

02. If you are anxious, make your own plans, prepare more information, and compare more banks.

As far as Guangzhou is concerned, some banks said that the current quota is tight, and even this year’s The quota has been used up, so it may not make much sense to get a loan from such a bank.

You can ask familiar people to ask which bank has better policies? Prepare more information about yourself to prove that you are indeed in urgent need and that you are indeed able to repay the loan. Try to make yourself as high-quality as possible some to facilitate approval.

The above is the entire content of the "2021 Mortgage Loan Policy". Therefore, this year, loan lending in hotspot cities will become stricter and interest rates will rise. This is both a reality and the possibility of becoming even stricter. The main reason is the tightening of policies, which has led to tight demand for loans. It is recommended that friends who plan to buy a house find out the local loan policies in advance, make their own plans, and do not pay a deposit before applying for a loan.