A netizen named "Laojie" posted that he recently bought a suite and finally made up the down payment. He planned to apply for a mortgage, but he ran to the bank several times and said that the loan amount was used up. The bank told him that there were still many people waiting in line ahead, and it would take him at least 20 days to turn.
Xiao Ni, who works in a bank in the city, feels more strongly about the money shortage. "This year, our bank staff are also under great pressure to save money, and loan exports must of course be tightened." Xiao Ni said that in mid-June, their bank's mortgage quota was gone, and almost all loans, whether individuals or enterprises, were not released.
Xiao Ni admits that she and her husband just bought a suite in the city not long ago and have been waiting in line for more than a month. Just a few days ago, they got a good mortgage. Everyone is the same, and we are really short of money now. According to her understanding, most banks in Jinhua are facing the same dilemma.
In addition to the slow pace of handling mortgages, many citizens have also found that various concessions for handling mortgages are shrinking.
The reporter learned that at present, many commercial banks in the urban area mainly implement the benchmark interest rate for the first home loan. Only a few state-owned banks still maintain a small amount of preferential treatment, but only a maximum of 15% discount. Only a few VIP customers and real estate projects cooperating with banks are eligible to apply.
Banks are short of money, and many citizens will receive strange loan calls and text messages. These small loans need no guarantee and seem convenient and quick. However, people in the industry said that although microfinance companies are engaged in financial business, they are not financial institutions, but legal persons and should be private lending. Interest exceeding 4 times the benchmark interest rate is not protected by law, so everyone should be cautious.
Provident fund loans have been scheduled for next year 1.
Commercial mortgages are tight, and the provident fund is also tight. Jinhua housing provident fund management office said that the loan is tight now, and it will not be discharged until at least next year 1.
"The reason is that the transaction of commercial housing and second-hand housing doubled in the first quarter, which aggravated the tension of provident fund loans." According to the relevant person in charge, the maximum amount of provident fund loans was also lowered by 654.38 million yuan in February this year, but the tension that the provident fund can't make ends meet has not been alleviated. The reporter learned that up to now, the Housing Provident Fund Center has accepted more than 600 undrawn housing provident fund loans, with the undrawn loan amount reaching 654.38+0.6 billion yuan.