At a press conference held on July 14, Liu Zhongrui, head of the statistical information and risk monitoring department of the CIRC, pointed out at the meeting that risk prevention and control in key areas is effective; The growth rate of real estate loans dropped to 10.3%, which continued to be lower than that of all loans.
At present, under the requirement of the concentration of real estate loans, the housing loans of various banks, especially the second-hand housing loans, are tightening, and there are speculators and just demanders who are anxious.
Shanghai: second hand high-rise housing in disguised form
“Sometimes there will be some unfair phenomena,” a Shanghai buyer told reporters. At present, the customer managers of various banks give feedback that it generally takes more than three months for housing loans, because the amount of the bank in this quarter has been used up, and it will wait until the next quarter, but some customers only need to wait for two months, and some customers need to wait for four months.
For example, a applied for a house loan in July, and was approved in October. B applied in August, and it was approved in November. But B overtakes at the corner, and the bank’s internal blending can be advanced to October, that is, the whole process only needs to wait for two months to make the loan, while a can only make the loan in November.
That is to say, there is also some room for internal transfer of the bank’s housing loan quota. Even if the average three-month loan is granted, customers may be treated differently. Even some customers reported that they need to “say hello to the bank staff and make loans early”. And get loans quickly, there is no lack of a number of new housing with a higher total price of the first loan, while the second-hand housing mortgage loan is in the back of the waiting line.
“There must be such a situation, but it also depends on the policy orientation of each bank and who has the quota.” A housing loan manager of a big bank in Shanghai told reporters.
The above-mentioned buyers observed in the purchase group that due to the new house credit system in Shanghai, some of the first loan customers who use the old people’s credit to buy the first new house can make a quick payment even if the loan amount is as high as 10 million, and some rigid demanders who buy the “old, broken and small” in the urban area have to wait a long time to make a payment even if they only borrow 2 million yuan, and they also have to risk breaking the contract with their parents.
“In the view of banks, new houses are indeed better targets because of the low age of property rights. Many second-hand houses have been built for 20 or 30 years, and they are not high-quality targets from the perspective of risk control. Both public and private banks prefer the former. Therefore, under the premise of strictly controlling the growth of housing loan amount, the second-hand high-rise building age customers are dissuaded in disguise. ” The buyers said.