At present, the personal loan managers of many banks say that the quota is tight and the next payment time is very slow. Many newly applied mortgages are still being processed, or waiting in line for the next payment. Whether it is a new house or a second-hand house, it will take at least 3-6 months to make the next payment. Some banks will take longer due to the quota.
At present, there are several reasons for banks to raise interest rates: first, the rising cost of capital will inevitably lead to an increase in loan interest rates; Second, the pressure of storage is great, and the market competition is fierce. The growth of storage by non-bank financial institutions brings greater challenges to banks. Third, the internal business of the bank is adjusted. According to the business characteristics, the amount of mortgage loans is larger than that of general consumer loans, and the period of capital withdrawal is longer. Therefore, considering various factors, banks will raise the mortgage interest rate to solve the structural fixed costs, and at the same time use the price increase to eliminate some flexible borrowing needs. "# Nanjing Second Suite, many banks said that the floating rate was 25% to 30%, among which the loan interest rates of ICBC, China Everbright Bank, China Construction Bank and China CITIC Bank increased by 30%, while the loan interest rates of Bank of Beijing, Bank of Hangzhou, Minsheng Bank, Bank of Jiangsu and China Merchants Bank were relatively low. At present, the loan interest rates of these banks have risen by 25%; Bank of Nanjing, Agricultural Bank, etc. It is said that the interest rate of the second home loan should rise by 25% to 30% according to the actual situation of the applicant. # "For the second suite in Nanjing, the benchmark of major banks generally rises by 20-25%, and the interest rates of the second suite of Nanjing Bank and China Everbright Bank rise to 30%.
Since the tightening of mortgage policy last year, banks have been more and more strict in examining consumer loans. As long as the user's consumption loan uses have changed, the bank will force the user to settle the loan by SMS or telephone.
In terms of the next paragraph, industry insiders said that loans can be made within three months at present, and banks are slow and not very nervous, but the quota is still under control. At present, it is common for the first benchmark interest rate in Nanjing to rise by 20-25%, while the second benchmark interest rate keeps rising by 25-30%. The floating interest rate is 6. 125%-6.37%.
The reasons for the rise of mortgage interest rate in Nanjing commercial banks include the following aspects: for example, banks respond to policy regulation and reduce residents' leverage; When the cost of capital rises, the corresponding cost is passed on to the loan users; Adjust banking business and product strategy to reduce the proportion of capital resources occupied by some businesses; Banks have raised the interest cost of users and driven away potential speculation. He believes that under the condition that the overall macroeconomic situation remains unchanged, it is expected that the mortgage interest rate will continue to rise in the future, and this increase will be characterized by low speed and persistence. "
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