“The loan approved at the beginning of the year has not been lent yet”, “the payment of” expedited fee “can speed up the loan issuance”, “Guangzhou area used housing loan has pressed the pause key”… In recent years, the news of the tightening of the loan amount of used housing in Guangzhou has been frequently heard. Some buyers revealed that their purchase of the second-hand housing at the beginning of the year has not yet been released, for more than half a year. There are fund intermediaries that many bank outlets in the city have refused to receive the documents.
Recently, the reporter aimed at the above problems, interviewed six state-owned banks, several joint-stock banks in Guangzhou sub branches, received the reply is: at present, the housing loan policy has not changed, still can accept the second-hand housing loan business.
However, in the interview, the reporter found that there are real problems of slow loan lending and strict down payment source verification. In response, a state-owned bank personal loan department said that there is no stop loan under the tone of “housing and housing is not fried”. But because some banks have tight mortgage lines, buyers are queuing up to lend money, so they feel that loans are becoming slow and difficult. In fact, the speed and steps of approval are similar to those of the past, and the source of down payment is strictly reviewed in accordance with regulatory requirements.
Another mortgage intermediary revealed that after the mid year examination of banks in June, the housing loan loan of Guangzhou District banks in July has significantly increased.
On the one hand, the buyer waits to get the key to live in the house, on the other hand, the mortgage has not been approved, what should be done? Reporters from multiple channels learned that there are buyers to accept the intermediary advice, paid “urgent fees” to urge housing loans. But in the interview, bank personage dispelled the rumor that “expedited fee” can rush to handle housing loan.
“Banks don’t have to charge” expeditions “that if the intermediary lobby, most of them are deceptions.” The above-mentioned banking industry reminded that if the bank takes deposit as the premise of approval and loan issuance, it is also illegal. In case of any relevant situation in the actual handling of housing loan business, the bank can complain and protect the right.