Nowadays, there are some new adjustments to housing loans, and the loan interest rates for many houses are rising. This makes many friends who are preparing to buy houses very worried whether they will really not be allowed to refinance for buying houses in the future. Recently, there has been news that mortgage loans for second homes have been suspended. What is going on? Is it true that you will not be able to get loans to buy a house in 2022? We will answer the relevant content for you right away.

Is it true that you will not be able to get a loan to buy a house in 2022?

False, the country has not issued such a notice.

There are two opinions on the Internet. One is that if you want to buy a house in the future, you can only pay the full amount. Those who have no money and just need it can do it on their own. Another way is that you can apply for a mortgage, but the bank will deliberately delay you. It is best to be mentally prepared to wait three or four months, and the interest rate will keep rising.

In fact, except for the temporary suspension of loan business of several banks in Guangzhou mentioned in the hot news, most banks said that there has not been a big change as a result, and they can still accept housing loan applications. The lending cycle is in For about a month, mortgage interest rates have remained at a stable level in various cities, without significant changes.

After all, under the supervision of the central bank’s two red lines, although it will have an impact on the housing market, let’s think carefully about which cities really need to control the proportion of personal mortgage loans and the proportion of real estate. , is it really like this all over the country? Why do you want to "magnify a small amount" to increase the panic of home buyers!

Let's talk about interest rates. Everyone knows that LPR quotations have been declining for a long time since last year. It has not changed. Up to now, the five-year LPR is still 4.65, and many cities have raised it on a basic basis.

For example, when buying a first house in Changsha, banks basically charge 5.39; in Nanjing, the first house is 5.45, and the second house is 5.7; in Shanghai, the first house is 4.65, and the second house is 5.25; in Beijing, the first house is 5.2. The second set is 5.7; the first set in Shenzhen is 4.95, and the second set is 5.25.

Everyone has discovered that there is no pattern. The more first-tier cities, the more intense real estate speculation. On the contrary, loan interest rates are lower than those in second- and third-tier cities. The higher the proportion of bank mortgage business, the more tightened it is now.

The latest news on the suspension of second-hand home loans

Recently, many banks in first- and second-tier cities have announced the suspension of second-hand home loans. The bank's suspension of lending for second-hand houses only curbs real estate speculation and will not cause a drop in the price of second-hand houses, nor will there be a sharp increase in first-hand houses. Second-hand housing loan restrictions will also hinder real estate investment. The following two categories of people will be affected:

1. The first category: second-hand housing demolition investors

In the past, If you buy a second-hand house, you may have to wait a few years before it is demolished, and you will be compensated as soon as it is demolished. Although it has become increasingly difficult to demolish houses in old communities in recent years, there are still such a group of people here. However, as banks have stopped lending to second-hand houses that do not meet the requirements, investors who want to buy old houses to be demolished can only buy them with full payment.

2. The second category: investors who hoard apartments

In the past few years, due to the greater pressure on young people to buy houses, those living in first-tier cities will give priority to buying smaller apartments. For apartment-type housing, a large number of apartments accumulated in the early stage of investment need to be sold after housing prices rise. However, after the restrictions on second-hand housing loans, it will be difficult to meet the home-buying needs of most young people.

Regarding, is it true that you will not be able to get a loan to buy a house in 2022? The latest news on the suspension of mortgage loans for second homes has been introduced in detail in this article. Industry insiders pointed out that once housing loans continue to tighten or even stop lending, it will directly lead to a decrease in the sales rate of real estate projects. As a result, developers may increase the down payment ratio, and home buyers should prepare early.