Is it time to buy a house in full? As far as I know, there are new policies at present, such as: the source of down payment cannot be the transfer of immediate family members, nor can it be the funds provided by any lending institution, the personal credit investigation cannot be tainted, the personal debt ratio must not exceed 30%, and the personal monthly income must be more than twice the amount of mortgage repayment. At present, these policies have made many young people take a punch.
Suspend the loan business? In addition, I need to remind you that if you want to apply for a mortgage now, the success rate of cities below the third tier will be higher. At present, banks in many first-and second-tier cities are basically caught in the difficulty of loan quotas, and they can only delay the lending time. This problem is the most unacceptable for property buyers. In fact, in addition to the hot news that many banks in Guangzhou have temporarily stopped lending, most banks have indicated that they can still accept mortgage applications.
Real estate speculation in big cities is very serious. To put it bluntly, under the supervision of the two red lines of the central bank, although it will have an impact on the housing market, it is impossible for the whole country to think about which cities really need to control the ratio of personal mortgage to real estate. At present, it is only one kind. Small size enlargement? This situation may also increase the panic of buyers. The overall lending cycle of many banks was adjusted to one month, and the mortgage interest rates in various cities remained at a stable level, with no obvious change.
The above questions are my personal thoughts. If you have other ideas, you can comment or discuss them below.