Recently, news said that Guangzhou banks suspended second-hand housing loan business in Guangzhou. Yesterday afternoon, reporters interviewed, the news involved in a number of banks said that currently still normal acceptance of housing loans business, there is no suspension of loans, for second-hand housing loans also do not have a building age limit. Although it has not stopped lending, since last weekend, the housing loan rate in Guangzhou has ushered in the fourth increase in the year. On June 25, after the first and second housing loan rates were raised by Guangzhou Branch of ICBC, many banks including postal storage, people’s livelihood and Ping An also followed the rise of housing loan interest rate in Guangzhou.
■ new express reporter fanhaoyi Helu Shi
Stop lending? A number of banks respond to stop lending second-hand housing business news is not true
On June 26, a source said: Bank of China has stopped lending Foshan second-hand housing business in an all-round way, while some banks, including Guangfa bank and Ping An Bank, suspended second-hand housing loan business in Guangzhou“ Five banks, including CCB, BOC and ICBC, said that (Guangzhou) still accepted second-hand housing loans, but only accepted the business of six districts in the center and the building age is not more than 20 years “. In response to this, the above-mentioned banks in response to the new express reporters said that the news is not true.
“At present, our bank is carrying out the first-hand and second-hand housing loan business in an orderly manner, and the relevant reports on the suspension of the housing loan business of our bank on the Internet are false news,” Guangdong BOC responded to the new express
The bank responded that the bank did not stop lending its housing loan business, but the amount was relatively tight.
Ping An Bank also said that the Internet transmission information is not true, “at present, our bank’s first-hand, second-hand mortgage can be accepted normally.”.
During the visit, staff of a branch of Guangzhou Branch of China Construction Bank told the new express that the bank’s housing loan rate has not risen recently, and second-hand houses with a age of more than 20 years can also be normal loans without special restrictions. The staff of Tianhe branch of ICBC Guangzhou Branch said that the bank will conduct specific analysis on the second-hand housing loan business with building age over 30 years, “if the building age is more than 30 years, the location is particularly high-quality, and the number of control (loans) can also be accepted normally”.
quota? Affected by the regulatory policies, the timeliness of housing loans has slowed down
Although there was no stop loan, in the interview, many banks expressed “tight line” and “no quota” to varying degrees. As for the reason of the limit tension, the relevant head of a Guangzhou Branch of a state-owned bank said that it was mainly subject to regulatory regulation and head office quota restriction.
“Affected by the regulatory policies, the time limit of housing loan in the overall market has slowed down, and we will arrange the loan orderly in combination with the time of customer approval,” Guangdong BOC said in response.
“Although there will be new lines at the beginning of each month, they will soon run out. Only when the customers repay in advance will new lines be released.” The person in charge said. It is understood that at present, the time of loan from many banks in Guangzhou is the fastest and it will be waiting for 3 months, of which, CCB will wait for at least 6 months.