Unknowingly, half of 2021 has passed, the new deal has been introduced, and the property market in Guangzhou has gradually calmed down.
While cracking down on collective real estate speculation, many netizens just need to be hurt by mistake.
So in the first half of this year, what have you experienced?
Only the chief real estate star pushing officer of Netease participated in the whole process of this summary
The results are very subjective
If you have different opinions, please leave a message for rational discussion
At the beginning of the year, Netease real estate group began to report that they had applied for commercial loans for nearly two months, and even received rumors of loan suspension.
At the end of January, both ICBC and BOC responded that the current housing loan business was still accepted normally, but the joint-stock banks generally said that the amount was “tight”, and the new housing loan could take up to half a year.
More netizens applied for loans in December last year, but there was no news in April.
Star tweet official suggests that friends who buy first-hand houses need not worry about personal loans. If it’s not for their qualifications and the bank doesn’t lend money, usually the developer will wait with you. He may be more anxious than you.
The trouble is that the replacement buyers who sell one and buy one are afraid that they have not lent money and do not have enough funds to buy two sets.
So, it’s hard to get enough money. Well, we have to wait.
In April this year, in order to crack down on the inflow of business loans and consumer loans into the real estate market, banks strictly investigated the source of down payment.
In the past, it was OK to prepare the down payment after the same loan letter came down. Now, the down payment needs to be prepared in advance and the source certificate is complete before starting the same loan audit.
Of course, some internal staff members of the bank said that they would not check the details and would sign a letter of commitment at most, promising that the source of down payment was legal. However, each bank or even branch is different, so it can not be generalized. For the sake of safety, we should consult the loan manager of the corresponding loan bank.
At the same time of cracking down on down payment loans, many just need to say they are lying down. After all, it’s not easy to make up the down payment!
The one-year LPR is 3.85%, and the five-year LPR is 4.65%, which has not changed for 14 consecutive months, but the mortgage interest rate continues to rise.
Since the beginning of the year, Guangzhou has experienced four rounds of mortgage interest rate increases.
Since June 25, ICBC has adjusted the first set of interest rates to 5.55% and the second set to 5.75%.
The down payment was strictly investigated before, and then the loan was delayed, and the interest rate rose.
Migrant worker: it’s not easy to collect the down payment. How many orders do you need to receive every month to catch up with the rising rate of mortgage interest rate.