Some banks have tightened their quotas.
After the new policy of "centralized management of real estate loans", the existing bank loan quota in Beijing has been tightened. A person from a personal loan center of a joint-stock bank told reporters: "At present, there is no quota in the bank, and our quota adjustment is temporary. The bank has stopped lending. It is still uncertain when there will be a quota, and we are waiting for news. " Is the quota suspension a special case for individual banks? The reporter consulted another branch of the bank and got the same answer.
The quota of another joint-stock bank "stagnated" at the beginning of the year. The bank's personal loan manager said: "At present, our bank has no mortgage quota, and the head office has not given us a quota this year."
In addition to suspending the quota, some banks have also tightened the quota. A person from the personal loan department of a joint-stock bank bluntly said, "The mortgage quota has been tightened, but the bank still has a quota. Customers need to make an appointment to queue up for mortgage loans. "
Usually, at this special time node near the end of the first half of the year, the mortgage amount will generally be tightened. However, during the consultation process, the above-mentioned personal loan manager denied this situation to reporters. A loan manager said that he did not know the reason for the tightening, but only listened to the adjustment arrangements of the head office. A personal loan manager of a bank said that the tightening usually occurred in March, June, September and 65438+February, but this time the situation was quite special, and there was a month-by-month tightening.
In response to this phenomenon, Yan Yuejin, research director of the think tank center of Yiju Research Institute, said that the situation of tight mortgage quota did exist in the first half of this year, and the loan suspension business was related to the loan quota. All localities are strictly controlling the centralized mortgage policy, so it is natural to strictly control loans. By controlling this kind of loans, it can greatly promote the standardization of loan business and also crack down on some real estate speculation.
However, today's reporter in beijing business today also found that the quotas of medium and large banks are generally adequate, and there is no tightening of quotas or queuing for appointments. A personal loan officer of a branch of a state-owned bank said, "At present, our bank can only accept loan applications for a few properties, and every project requires developers to enter the market. Our branch doesn't cooperate much, so the quota is not tight now, so there is no need to queue up. In terms of lending, pure commercial loans are faster. It takes about two weeks from loan approval to lending, and provident fund loans are even slower. After the application, the next payment usually takes 2-3 months. "
"The news I know is that loans need to be queued during the Spring Festival in Haidian District, mainly because there is no quota. During this time, I haven't heard of queuing and getting a loan. 1-2 weeks, you can lend money when the information is complete. " A related person from the loan department of another state-owned bank said.
The loan manager of a joint-stock bank said, "At present, the quota is sufficient, so there is no need to queue up for the time being. We are lending money every month, and we can do it with complete information. At present, our bank has no provident fund loan business. We only do pure commercial loans and lend money within 3 days after the commercial loan information is complete. "
Mortgage interest rate "as usual"
Mortgage interest rate has always been a hot topic in the market. On June 2 1 day, the central bank announced the latest loan market quotation. The five-year LPR is 4.65%, which is the same as the previous period. 1 year LPR and other two loan market quotations remain unchanged for 14 months. During the investigation, beijing business today reporter also noticed that Beijing's mortgage interest rate is as stable as LPR.
"At present, mortgage loans are increased on the basis of LPR. After conversion, the interest rates of the first suite and the second suite are 5.2% and 5.7% respectively. Most banks do not have any extremely special circumstances to implement this policy. I have never heard of it. " A related person from the loan department of a large state-owned bank told the beijing business today reporter.
"Interest rates have not risen as recently. The interest rate of the first suite is 5.2%, and the interest rate of the second suite is 5.7%. Beijing's mortgage interest rate is still higher than other places. " The above-mentioned personal lender of the state-owned big bank branch said, "The future is uncertain, but it has not risen for more than a year."
Joint-stock banks and city commercial banks are no exception, and they all implement this standard. The manager of the personal loan department of a joint-stock bank said, "The mortgage interest rates are all the same, and we have not received the news of the increase in mortgage interest rates. Since the LPR benchmark interest rate will be announced around the 20th of each month, which was 4.65% in the past year and 4.75% before March last year, the interest rate of the first home loan for customers who signed before March last year was 5.3%, and that for customers who signed since March last year was 5.2%. But whether it will rise in the future depends on specific policies. "
"We also implemented the first home loan interest rate LPR of 55 basis points and the second home loan interest rate 105 basis points." The loan manager of a city commercial bank said.
Earlier, some bank-related people released a signal to Beijing Commercial today that the interest rate of Beijing mortgage will rise in the future. The account manager of a joint-stock bank once said: "It is reported that the interest rate may be adjusted by 20%-25%. It is estimated that the article will be published at the end of May and implemented according to the actual situation of the document. "
However, this situation did not appear until the end of June. Beijing business today reporter learned from the personal loan manager of the bank today that "the interest rate of the first suite is 5.2%, and the interest rate of the second suite is 5.7%."
Will the threshold for follow-up loans be raised?
In recent years, under the requirement of "no speculation in housing", financial supervision related to housing has been tightened continuously. 65438+On February 26th, 2020, the Central Bank and the China Banking Regulatory Commission jointly issued the Notice on Establishing the Management System for the Concentration of Real Estate Loans of Banking Financial Institutions, which put forward regulatory requirements for the concentration of real estate loans and personal housing loans. According to the regulations, the upper limit of real estate loans for large banks is 40%, and the upper limit of personal housing loans is 32.5%; The upper limit of real estate loans for Chinese medium-sized banks is 27.5%, and the upper limit of personal housing loans is 20%; The loan ceilings of small banks such as city commercial banks are 22.5% and 17.5% respectively.
A banker interviewed bluntly told beijing business today reporter today: "The reason for the suspension of loans and the tight quota is that the bank mortgage index under supervision exceeds the standard, so it will be restricted. Banks can only alleviate the upper limit pressure by raising the mortgage interest rate, extending the loan cycle or even stopping lending. "
In terms of raising mortgage interest rates, in sharp contrast to Beijing, mortgage interest rates in other first-tier cities have been raised. According to the monitoring data of Rong 360 Big Data Research Institute, in the first-tier cities in May, the mainstream interest rate of Shenzhen's first home loan has remained at 4.95% since June 2020, with an average of 4.98%. In May, banks raised interest rates one after another, and finally the mainstream interest rate of the first home loan rose to 5. 1%, and the average level rose to 5.03%.
Guangzhou's mortgage interest rate has been raised for four consecutive periods, and the average level of the first home loan has increased from 5.26% in the previous period to 5.35% in this period. At the end of April and the beginning of May, many banks in Guangzhou, including state-owned banks, raised mortgage interest rates again. The interest rate of the first home loan was adjusted to a minimum of 5.4%, and the interest rate of the second home loan was adjusted to a minimum of 5.6%, both of which were raised by 10BP.
The increase in mortgage interest rates in various places has also triggered a discussion on the trend of mortgage interest rates in Beijing. According to Wang Hongying, president of China (Hongkong) Financial Derivatives Investment Research Institute, the overall regulation of Beijing's real estate market is stricter than other hot cities, and the growth rate of Beijing's house purchase is not as high as that of some hot cities in the south. Therefore, in the past two years, the overall housing price in Beijing has been relatively stable, and even there has been a steady decline for some time, which is enough to show that Beijing's regulation of the real estate market is very strong. In the future, the overall loan interest rate in Beijing will remain stable, and the probability of further tightening is not great.
A senior banking observer also pointed out that Beijing's property market is currently stable and is expected to remain stable. It is expected that the overall mortgage interest rate will remain stable, but it is not excluded that the interest rates of various banks will fluctuate slightly due to the "two red lines" and credit lines.
However, Yan Yuejin holds a different view. He further pointed out that "from the current market point of view, Beijing's housing prices also began to rise in May and June, which will also overdraw part of the demand for housing. It is expected that the mortgage interest rate in Beijing may rise in the future, but it is weaker than other first-tier cities in terms of possibility. In the second half of the year, we should pay attention to whether the subsequent interest rate will rise and whether the loan threshold will increase.