How is that possible?

Second, will second-hand housing always stop lending?

The second-hand housing loan policy is related to the national real estate regulation and control policy. When the state has relatively large restrictions on real estate transactions, the second-hand housing sales will implement the loan policies of banks and financial institutions.

In order to prevent the speculation of second-hand houses, the loan policy will be used to prevent the sale of second-hand houses from overheating, and the loan will be tight. However, whether to stop the second-hand housing loan is determined by the relevant policies of the state and the relevant regulations of the bank.

Third, what is the suspension of second-hand housing loans?

As a novice buyer, he may not know much about the suspension of second-hand housing loans, let alone what the suspension of second-hand housing loans is about. But don't worry, let me give you a brief introduction to this problem.

What is the suspension of second-hand housing loans?

The reason why the second-hand house stopped lending is because our country feels that the current real estate is overheated and the house price is too high, which requires macro-control. After the second-hand housing loan stops, only those who have the ability to pay off all the house payment are eligible to buy a house, which will definitely reduce the number of buyers and thus slow down the rise in house prices. Of course, its main purpose is to crack down on real estate speculators.

What kind of second-hand house is worth buying?

① In the process of buying second-hand houses, people need to pay attention to many things, such as parking spaces, greening, apartment layout and supporting facilities. If you meet a house that you are satisfied with and the construction year is relatively recent, it is worth buying.

② In addition, a high-quality residential area occupying several lots is also a good choice. Lot is the main factor that determines the price of a house. Especially in high-quality residential areas in urban areas, not only the rate of preservation is high, but also many people buy it.

Finally, it depends on whether the traffic is convenient. If the lot meets the demand, the next thing to consider is the traffic problem. If the transportation is convenient, the possibility of starting with property buyers will be greatly improved.

Advantages of second-hand houses

① Price advantage

Although the procedures of second-hand houses are more complicated than those of new houses, they have to pay the corresponding agency fees, but the house price will be lower than or equal to the surrounding new houses, especially the owners who are eager to sell, and it is still possible to find out.

② Independent decoration

In the process of buying a new house, you need to face a lot of renovation costs and renovation time limit. If you buy a second-hand house, if you don't have high requirements for decoration, you can even carry a bag directly, which saves time and trouble.

Editor's summary: after reading the above introduction, I believe that everyone has a further understanding of what is the suspension of second-hand housing loans. Please continue to pay attention to our website for more information, and more exciting content will be presented to you later.

It is reported that the second-hand housing loan will be stopped. What is this for?

CCB: Stop lending second-hand houses Recently, it was reported that "Linyi Agricultural Bank, ICBC and CCB have stopped lending second-hand houses"! Facing the question of "whether to stop issuing second-hand housing loans", the staff of Linyi Construction Bank gave a positive answer, "It has been decided to stop issuing second-hand housing loans"; The staff of the Agricultural Bank also said that "although there is no exact news at present, this matter is really tricky"; The staff of ICBC did not respond positively. "

Although the approval time for second-hand mortgages in other banks has passed, netizens said ↓ Netizen Mr. Li: I asked some friends who are intermediaries and got the answer that the four major banks have stopped, and other small banks have been slow to approve. Moreover, local banks have been miserable recently. Not far from bankruptcy, Baoshang Bank has been taken over, Jinjiang Bank and others, and the personal bankruptcy system is coming out soon. Linyi should go against the trend.

Netizen Li: As an intermediary, my friend also said that these big banks have stopped, but some small banks are ok. My understanding is that banks are actively controlling risks and tightening politics. What kind of signal is it? Recently, Linyi's real estate price rose first in the country, and the local auction market "land kings" emerged one after another. A large amount of funds poured into the property market, and some properties were "empty at the opening" and "one room is hard to find". Many people robbed the house and then appreciated it and sold it, and even there was a "upside down" situation in which the hand room was still hot. "Recognizing both the house and the loan" may increase the difficulty of buying a house.

And "second-hand housing loans stopped: one possibility is that people who just need to buy second-hand housing can't afford it because they can't get loans, so they can only buy first-hand housing, and the price of first-hand housing is higher. Another possibility is that because there is no market for second-hand houses, the "real estate speculators" will not be able to cash out in the future and will not dare to buy first-hand houses, thus making the prices of first-hand houses stable or falling.