According to media reports, China Merchants Bank, China Everbright Bank, China Guangfa Bank and other banks have suspended mortgage loans. The staff of a number of banks came forward to explain that it was not "stopping lending", but that all banks had no loan quota, so if they wanted to borrow money to buy a house, they had to wait. All banks are the same, because the country has drawn a red line, and the mortgage amount cannot exceed a certain percentage. Once it exceeds, it cannot be lent. And also said that there is no solution at present, so we can only wait. Why is this happening? Respondents speculated that the reasons were as follows:
1. Regulatory policies were introduced.
On June 5438+February 3, 20201,the People's Bank of China and the China Banking Regulatory Commission issued the Notice on Establishing the Management System of Real Estate Loan Concentration in Banking Financial Institutions, and decided to establish the management system of real estate loan concentration in banking financial institutions, and set the upper limit of real estate loan balance and the upper limit of personal housing loan balance in different grades. The notice came into effect on 20211. The promulgation of this notice shows the country's determination to further regulate the real estate market, and the suspension of loans by several banks this time is the impact of this policy.
2. Banks adjust the mortgage ratio during the transition period.
Notice requirements: the upper limit of real estate loan balance and the upper limit of personal housing loan balance are divided into five grades: 40% and 32.5% for large Chinese banks respectively; The medium-sized banks in China are 27.5% and 20% respectively; Chinese small banks and non-county agricultural cooperative institutions are 22.5% and17.5% respectively; The county rural cooperative institutions are 17.5% and12.5% respectively; Rural banks are 12.5% and 7.5% respectively. The state sets a two-year or four-year adjustment transition period for banks that exceed the standard. In other words, if the proportion of personal loans issued by banks is relatively high, especially those banks that are far above the national red line, they must be gradually adjusted to the prescribed scope during the transition period. Therefore, banks are currently investigating and adjusting the lending ratio.
How to borrow another 50 thousand from the mortgage house?
1. Now the bank doesn't mortgage or mortgage, so it's difficult to handle your loan.
2. If you can repay the loan for 5 years, your monthly repayment amount (equal principal and interest repayment) = 1583.42.
3. It takes 14 working days to apply for a loan.
Any bank can handle it.
Don't banks do remortgage now?
At present, all the four major state-owned banks have stopped mortgage service, and only China Bank continues to carry out this business. If you want to handle this business, you can go to the local China Bank for consultation. But you need to bring all relevant documents. For example, the original real estate license is mortgaged in the bank, and the bank can issue certificates, as well as personal valid identity documents, loan contracts, house sales contracts, and bank repayment statements. Only when we bring all relevant documents and certificates can we handle this business.
What is a mortgage loan?
Converting to mortgage loan, as the name implies, is to extend the loan time of your original mortgage loan, or continue to mortgage the original mortgaged property and then borrow from the bank. This is called refinancing. Another situation is that you can apply for a mortgage loan, that is, you can resell the property to a third person and then repay the original loan yourself. This kind of transaction also requires you to apply for a mortgage loan at the bank.
What should I pay attention to when transferring mortgage loans?
If the property is mortgaged again, we need to pay attention to the repayment plan. If the loan time is extended, what we need to calculate is interest. If the property is sold to a third party, we need to pay attention to whether it is more in our own interest to calculate the one-time repayment or to continue to repay the mortgage. If you want to change the collateral when applying for a mortgage loan, you should also know the real value of your collateral in advance, so as to judge whether the loan amount or the extension period given by the bank is appropriate when applying for a loan.
Under what circumstances do I need to apply for a mortgage loan?
There are serious problems in the original repayment plan, so it is impossible to repay on time. For example, if someone at home is sick and his income suddenly decreases, he can apply for a mortgage loan. However, you need to meet the conditions for refinancing mortgage loans, and you can also change your existing living environment and sell the loaned property. After consultation with a third party, it may also be agreed to handle the transfer loan together.
Can the mortgage loan supplement the loan?
No, you can't borrow any more until the loan has been repaid! !
If you have already paid it back, you can borrow it again!
What does "refinancing plus mortgage" loan mean?
Refinancing, plus mortgage
That is, the house that is still under mortgage loan is bought and sold again, and the owner applies for mortgage loan from this bank or another bank again. Including person-to-person mortgage loans and interbank mortgage loans. In practice, the re-mortgage adopts the way that the seller repays the loan in advance.
Because the loan ratio can fluctuate with the real estate appraisal value, refinancing and mortgage loan increase were once regarded as attractive businesses by banks, but these two loans were explicitly stopped by the central bank. Liu, deputy governor of the central bank, stressed yesterday: "We must resolutely cancel refinancing and increase mortgage loans." This is the first time that the central bank explicitly stopped refinancing and adding mortgage loans after it stipulated at the end of September this year that "additional loans with rising house prices are not allowed".
Can Qichun Industrial and Commercial Bank of China refinance the mortgage?
You can't.
1. Bank refinancing and mortgage loan increase were stopped.
2. After the central bank stipulated "additional loans that do not allow house prices to rise" at the end of September 2065438+2007, it explicitly stopped the mortgage refinancing and additional mortgage lending for the first time, so Hunchun Industrial and Commercial Bank could not refinance the mortgage.
This is the end of the introduction of mortgage loan and bank mortgage loan. I wonder if you have found the information you need?