mortgage is tighter situation. In November 6th, Shenzhen two suites
Shoufu ratio will be raised to more than 70%. But the banks in Shanghai
housing almost all stranded, individual banks even raising interest
rates the first and the two anteroom loan. "Although the mortgage or
accept, but the loan could be next year." A joint-stock bank customer
manager told reporters.Responsible for
a state-owned bank loans department said, at present the bank did
not improve the two suites Shoufu ratio, but the lending rate by 10%.
While most branch because near the end of the year, two anteroom loan
quota has been exhausted, have no money to put the situation.
the reporter learned in the interview, Shanghai many banks the
first set of mortgage rates broke surface 10%. Banks are introduced,
some banks to suspend payment of housing loans to individuals. At the
same time, the approval process slows down, according to the first suite
loan interest rates broke surface 10%, credit queuing time around for
more than two months, if the benchmark interest rate loans, loan time is
difficult to determine. In addition, some banks have stopped issuing
personal loans.
in addition, China Bank of China Shanghai branch is the
implementation of a new round of tightening mortgage policy. After
tightening policy is cancelled the first set of mortgage rates
preferential 15% off; two is the two anteroom loan interest rate will be
in the current policy by 10%, compared with the benchmark inter
beijing real estateest rate increases 20%.Since the
third quarter, the number of banks said funds. Industrial and
Commercial Bank of China Shanghai branch of the relevant sources, now
housing can apply for loans, but the difficulty is very high. Industrial
and Commercial Bank of the housing policy has not changed, the first
suite Shoufu 30%, the interest rate as the benchmark interest rate 15%
off, two suites rate as the benchmark interest rate broke surface 10%.
However, the sources, the past few days, the policy may be adjusted, two
suites rate may increase to the benchmark interest rate broke surface
15%.
in addition, China Merchants Bank Shanghai branch concerned that,
rent villa beijingChina
Merchants first suite of interest rate as the benchmark interest rate
ten percent off, and some relatively poor quality of the mortgage
business, the application may be refused.
reporter interview to understand, many property buyers are
beginning to feel the commercial bank loans tighten trend, cycle
including the approval and lending appears to extend,
apartment for rent in beijinga
property buyers said, "at present the new submit list, even if all goes
well, like in the years get mortgage is already very difficult."
Han Yu Real Estate Market Research Manager Fu Wei said, from the
beginning of September, mortgage tightening is expected to have very
clear, although the banks in the mortgage interest rate has not changed,
but the lending time has significantly elongated.President
a state-owned bank branch said, affected by the central bank's
monetary policy, together with the Banking Regulatory Bureau window
guidance, bank credit has become scarce resources.
the expert points out, "small business loans" led some banks will
move to other industry funds. "In the loan amount of tension in the
background, look up banks credit behaviors, some banks have limited
funds to the higher rates of industry or enterprise." Therefore,
tightening bank loans > appeared throughout the country recently
