“Currently, mortgage business loans can still be done. I work overtime on weekends. I signed several orders in one day, including two mortgage loans, one for 5 million yuan and the other for 4 million yuan.” “Now that the policy is the same every day, everyone is a little anxious. If the order is not approved, the interest rate may increase in a few days.” The “Daily Economic News” reporter found that when the Beijing Banking and Insurance Regulatory Bureau made a heavy voice to strictly investigate credit loans and illegally flow into the property market, the business of some lending institutions continued to operate normally, only the loan time was slightly delayed, However, it is true that some customers who have applied for a credit loan to buy a house were demanded by the bank to repay immediately the day after the official announcement, or were rejected when the mortgage loan was converted into a mortgage loan.
In the interviews conducted by reporters in recent days, China Construction Bank and Bank of Jiangsu are partners clearly mentioned by some lending institutions. Other state-owned banks, agriculture, and industry, as well as 12 joint-stock banks and individual city commercial banks, are also cooperative partners. square.
“Black Technology” operation can loan 4 million
“Good credit, stable work, 4% to 6% credit loan, the highest we can help you achieve 4 million yuan.” “Before the bank also impulsively, bring ID cards, bank cards, provident fund cards, we will communicate the details face to face, if it goes well, we can make loans on the same day.” A few years ago, the reporter got in touch with the business manager of a loan assistance company. After making it clear to the other party that the purpose of the loan was to buy a school district house, he went around several times. A staff member named Shu Wen (a pseudonym) who claimed to be the manager introduced him to the reporter. The specific situation of the credit loan business, and said, “We have cooperation with major banks in Beijing, and the company can print credit and conduct business downstairs”, or even “after understanding and comparing various conditions such as interest rates, you can still pick the one you think is most suitable.”
Years later, the reporter continued to get in touch with Shu Wen, who said that the current business is normal, that is, the loan time may be delayed, which will be about 2 to 3 days longer than before, However, during unannounced visits by reporters and several lending agencies, it was learned that this institution, which claims to be able to provide a credit of 4 million yuan, has become the target of “siege” by other business managers. “4 million yuan in credit? That is absolutely impossible.” Ye Ting, the business manager of another loan company, questioned this amount.
In the credit plan given by Ye Ting, the total amount of the five banks is 1.5 million yuan, which is far from the amount given by Shuwen Company. Ye Ting said that the upper limit of the company’s single bank for credit business is 500,000 yuan, and it is best to control the number of banks within four. Too many banks will easily lead to failure of the approval and personal risks are high, However, Shu Wen explained that the credit limit of different banks does have an upper limit, up to 1.1 million yuan. On the premise of a good personal situation, applying for 4 to 5 banks can almost apply for a 4 million limit Spark Global Limited.