Recently, news of the liberalization of mortgage quotas by some banks in Qingdao has been circulating on the Internet. As a house buyer, a reporter from the “Daily Economic News” called the relevant bank for details.
The staff of a branch in Qingdao, two major state-owned banks, said:The speed of lending is indeed faster than before.
However, the liberalization of the loan limit does not mean that buying a house with a loan is easier than before. A staff member of a branch in Qingdao, a major state-owned bank, said: “The threshold for loans has not been lowered, and client approvals are still as strict as before.It’s just that the time for lending has been shortened compared to the original。”
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Only speed up the loan Loan approval is still very strict
“The only thing that has changed is the speed of lending, and the mortgage interest rate is still the same.” A staff member of a branch in Qingdao, a major state-owned bank, told reporters that the minimum interest rate for loans for the first home is 5.45%; the minimum interest rate for the second home is 5.75%. The interest rate may vary from branch to branch.
For those who do not have a clear house purchase plan, loan lines are not the focus of attention. “Currently, the target of lending is mainly customers who have completed loan approval before. For those who have not made a clear house purchase plan, don’t pay too much attention to the information on the loan quota, because the branch’s quota may change at any time. The current loose quota does not mean The future situation.” The staff member said.
In addition, the staff member also told reporters that for people who really need to buy a house, the loan line should not be the main concern. As long as the loan is approved, it will be sooner or later to get the loan money. She advises clients to focus and focus on loan approval.
For customers who need loans to buy a house, loan approval is a tough pass. If the customer’s information is complete and there are no other problems, it will take at least 1⁓ weeks for approval. But in fact, customers often have incomplete materials or problems with qualifications, and the review process may take a long time, the staff member told reporters.
So have the loan quotas of other branches been liberalized? The reporter called the head office of a major state-owned bank, and the staff said that at present, the head office has not announced the release of the quota.
The reporter called a branch in Qingdao, another major state-owned bank, and the staff of the other’s mortgage business also said that the bank’s mortgage quota is now appropriately relaxed, and the loan rate is faster than before, but the mortgage approval is still strict, and the interest rate is the same as before. . As for the approval of personal mortgages, it said that if the client has good qualifications for purchasing a house, the approval can be completed in one week.
Business loans illegally flow into the real estate sector The problem is contained
On October 15, at a press conference on financial statistics for the third quarter of 2021 held by the Central Bank, Zou Lan, Director of the Financial Markets Department of the Central Bank, believed that some financial institutions misunderstood that banks should not issue new development loans, and that real estate credit will remain stable in the future. Order delivery.
At the 2021 Financial Street Forum Annual Meeting on October 20, members of the Political Bureau of the CPC Central Committee,State CouncilDeputy Prime MinisterLiu HeSaid that the reasonable funding needs of the real estate market are being met, and the overall situation of the healthy development of the real estate market will not change.
At the meeting,People’s Bank of ChinaVice President Pan Gongsheng also said that under the guidance of the financial management department, the excessive contraction of risk appetite in financial institutions and financial markets has gradually been corrected, and financing behavior and financial market prices are gradually returning to normal.For the next step, he emphasized that the financial sector will actively cooperateHousing and Urban-Rural Development, The local government firmly safeguards the healthy development of the real estate market and safeguards the legitimate rights and interests of housing consumers.
On October 21, the State Council Information Office held a third quarter banking insurance industry data information and supervision key work conference. Liu Zhongrui, head of the statistical information and risk monitoring department of the China Banking and Insurance Regulatory Commission, said at the meeting that the problem of illegal inflow of business loans into the real estate sector has been resolved. Effective containment, real estate regulation and control have basically achieved the goal of “stabilizing land prices, housing prices, and expectations”. In addition, Wang Chaodi, Chief Inspector of the China Banking and Insurance Regulatory Commission, Director of the General Office, and spokesperson also stated that the policy of “no speculation in housing and housing” was resolutely implemented. At the end of September, the growth rate of real estate loans fell to 8.6%, which was nearly 3 times lower than the growth rate of all loans. percentage point.
Prior to this, the People’s Bank of China and the China Banking and Insurance Regulatory Commission also emphasized the maintenance of the stable and healthy development of the real estate market and the legitimate rights and interests of housing consumers at the real estate financial work symposium jointly held on September 29.
Reporter|Song Ge
Edit|Duan Lian, Liao Dan, Du Bo
Proofreading|He Xiaotao
｜Daily Economic News nbdnews Original Article｜
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