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How long can the second-hand housing loan be extended? Second-hand housing loan new deal.
Although everyone thinks it is very important to own a house, it is really good to buy a house through a loan, because the current housing price is too high, which makes many people want to buy a house, but they feel great pressure. Generally, it takes a long time to wait for a new house, so second-hand houses are very popular. How long can the second-hand housing loan be released? And what are the new policies for second-hand housing loans?

How long can the second-hand housing loan be released?

Under normal circumstances, the second-hand housing loan period is about 3 months. However, due to the introduction of centralized management system of real estate loans, banks are clearly required to control the proportion of real estate loans and personal housing mortgage loans. In the case of tight loan quota, banks will give priority to the protection of new houses for cost reasons, and the term of second-hand housing loans will be extended, at least 4 to 5 months.

New policy of second-hand housing loan

1, many city commercial banks lend at guided prices. At present, many cities have established a guiding price mechanism for second-hand housing, requiring the urban communities to be listed according to the guiding price, and requiring banks to lend according to the guiding price. For example, Shenzhen and Chengdu are like this;

2. Some banks in several cities stopped lending second-hand houses. The latest provisions of the new policy on second-hand housing loans Since late May, many banks across the country have reported the tightening of mortgage loans, among which new first-tier cities such as Nanjing, Hefei, Hangzhou, Ningbo, Wuhan and Chengdu bear the brunt, and some banks in many cities even suspended the second-hand mortgage business;

3. Multi-site mortgages have been tightened in an all-round way, and mortgage interest rates have started to rise all the way. At present, the interest rate of second homes is generally 5.35%-5.50%, and individual banks can even reach 5.55% for individual properties. Some experts said that it is very likely that second-hand housing loans are difficult to borrow. People who need a loan to buy a second-hand house should pay attention. The signing of the contract must leave enough time for lending, and the increase of loan interest rate may also become a trend. ...

How long can the second-hand housing loan be released? What are the new policies for second-hand housing loans? The above words have been introduced. In fact, second-hand housing loans are also a common business. The specific time of the next payment is based on the value of the house itself and the personal credit information of the loan applicant. If the relevant conditions are met, the next payment will be made soon.