The latest news of the suspension of second-hand housing loans in Shijiazhuang

I heard that the mortgage application can't come down?

Recently, major cities have been repeatedly told that mortgages are tight, especially in some hot second-tier cities. For a while, they cried.

But is this really the case? What is the loan situation of major banks in Shijiazhuang now? Is there really a "mortgage shortage"? To this end, Le called the major bank outlets to inquire about the latest news.

The truth will only surface when the news all over the sky subsides.

The survey results show that the interest rate of the first home loan of the four major banks in Shijiazhuang is about 5. 19%, and the down payment ratio is 30%. Among them, China Bank offers different mortgage interest rates according to different cooperative properties, ranging from 5. 15% to 5.39%. As for the second home loan interest rate, the most favorable rates are 5.39% for China Construction Bank, 5.53% for Industrial and Commercial Bank of China and Agricultural Bank of China, and 5.59% for China Bank.

As for commercial banks, the most favorable interest rates for the first home loan are 5. 13% for China Everbright Bank, 5. 15-5.2% for China Merchants Bank and 5.35% for First Hebei Bank. The interest rate of the first home loan of Bank of Communications is the same as that of the four major banks, and the second home loan is slightly special, at 5.65%.

If the quota is not enough, banks often start with second-hand houses. As the protagonist of the rumor of "stopping lending" during this period, although no bank officially announced the suspension of lending, the tightening of mortgage has become an "open secret".

Among the four major banks, ICBC is the one that shows "Versailles" and can lend money in about two weeks. China Construction Bank also said that it is still lending normally. Agricultural Bank of China and Bank of China said that the current quota is relatively tight.

Commercial banks have changed a lot. Both China Merchants Bank and China Everbright Bank said that they do not accept direct customers at present, and only cooperate with intermediaries such as Shell and Number Pass. At present, Bank of Communications and Industrial Bank have no loan lines. Although Hebei Bank has a quota, it needs to wait for the notice from the headquarters. In addition, China Merchants Bank will evaluate second-hand houses first. If the evaluation score is not high, it is difficult to get a loan.

This round of "mortgage shortage" is more turbulent than before, and the lending cycle time is constantly lengthened, which is largely influenced by the new regulations of "two red lines" of real estate finance delineated by the central bank and the China Banking Regulatory Commission.

The first red line is "the proportion of real estate loans", which shall not exceed 40% for large Chinese banks, 27.5% for medium Chinese banks, 22.5% for small banks, 17.2% for county rural cooperative institutions and 12.5% for village banks.

Article 2 The red line is "individual housing loan ratio", which does not exceed 32.5% for large banks, 20% for medium-sized banks, 17.5% for small banks, 12.5% for county rural cooperative institutions and 7.5% for village banks.

According to the 2020 annual report, among the 18 large and medium-sized Chinese banks listed on the A-share market, 6 banks' personal housing loans exceeded the regulatory red line, and 3 banks' real estate loans exceeded the red line. Even if other banks don't step on the line, they are basically near the red line.

As of April this year, real estate loans accounted for 20 listed banks' annual reports, and 8 banks still stepped on the red line.

Deng Haozhi, a real estate economist, believes that it is not the sudden tightening of the mortgage policy by the state that makes the mortgage quota so tight, but the settlement period of financial institutions in mid-June. At this time of the year, the funds of financial institutions are extremely tight, and the interest on short-term loans in the market is also extremely high. As the total amount of mortgage loans is to be controlled for the first time this year, the problem of tight mortgage funds is naturally exposed this year. What needs to be emphasized in particular is that the national sixth grade respectively stipulates the upper limit of the loan amount of financial institutions. Historically, most financial institutions have not exceeded the standard, and banks still have some room for operation. So don't worry about the spread of this situation.

Zhang Dawei, chief analyst of Zhongyuan Real Estate, also said that generally speaking, the loan amount will be tight in June and June and 65438+February every year, so the recent loan tightening is normal. Because banks used a lot of credit resources in the first quarter, during the half-year assessment period, some banks took the initiative to adjust the speed of credit supply, which led to credit shortage in some cities in the second quarter. The reason behind the tightening of mortgage in urban hotspots is the excessive demand for mortgage. After the end of the assessment period in the first half of the year, the bank credit volume and lending cycle will gradually return to normal in the second half of the year. Because most new houses are related to development loans, the follow-up market has the greatest impact on second-hand housing loans. Especially in some southern cities, it is likely that the difficulty of second-hand housing loans will become the norm, and the increase in loan interest rates will also become a trend. He suggested that at the end of the quarter or the end of the year, customers who need loans to buy second-hand houses should pay attention to leaving enough time for lending when signing the contract.

Under the tone of "don't speculate", the national policy is constantly improving. Last year, the real estate industry formed a financial loan regulation pattern of "three red lines and two red lines". The "three red lines" strictly control the financing of housing enterprises, reduce the liabilities of housing enterprises, and the "two red lines" control the scale of mortgage loans and reduce the leverage risk of residents. In this way, the "32" red line in the real estate industry will become a long-term measure to make room for those who really need to buy a house.

In the face of this storm, did you apply for a loan smoothly? Does it affect your plan to buy a house?

Related Questions and Answers: Related Questions and Answers: How to calculate the interest rate of the first home loan in 2020? Is LPR suitable? The latest LPR released on April 20th, the five-year LPR is 4.65%. If the 6.37% mentioned by the sales department is calculated based on the LPR in April, it is equivalent to raising interest rates by 6.37%-4.65%= 1.72%, that is, 172 basis points, which is a bit harsh.

Remember this number, 172 basis points.

If the final loan is successful with this additional point, the additional point will always be 172 points in the whole loan cycle in the future, and there will be no change.

The only change is LPR.

LPR is the latest value published on the 20th of each month. The 18 bank designated by the state quotes according to the current market capital utilization level. The central bank removes a highest value and a lowest value, and finally takes the average value to determine the LPR of the month. So this value changes dynamically according to the capital situation in the market.

When we sign a loan contract with the bank, the bank will ask us to choose the loan interest rate reset period (the shortest is 1 year), which can be 1 day every year or the lending month (for example, lending in May, and the interest rate can be reset in May of the following year).

For example, if you choose 65438+ 10 month 1 to reset, you should pay attention to the 5-year LPR level of 65438+February 20th. If the LPR is reduced to 4.5%, the interest rate in the second year will be calculated as 4.5%+ 1.72%=6.22%. Otherwise, if the 5-year LPR is increased to 5%,

Now that the loan interest rate has ended, let's talk about the recent LPR trend.

As mentioned earlier, LPR reflects the current market capital usage. Simply put, if there is more money in the market, the interest rate will go down, and if there is less money in the market, the interest rate will go up. But it is not absolute for mortgage, because the LPR of China is divided into 1 year and 5 years, and the interest rate of mortgage is anchored by the 5-year LPR. Since the implementation of LPR in June last year, there have been many cases in which 1 year LPR has decreased, and the 5-year LPR has not decreased or decreased less. Mainly use financial lending tools to regulate the property market, so that more money can flow into small and micro enterprises through loans to help them develop.

However, the general trend is irreversible. During the global epidemic, countries are releasing water on a large scale, printing money crazily and unlimited QE. Various industries in China, especially those mainly engaged in import and export, have encountered a huge crisis of survival, and the central bank is constantly exerting counter-cyclical adjustment, targeted support and other financial policies to help enterprises tide over the difficulties. The consequence of this is that there is indeed more money in the market, and the 5-year LPR will inevitably continue to decline. From 4.85% in 65438+ 10 last year, it has reached the present 4.65% after three adjustments. Although it has only dropped by 20 basis points, it is still a trend. The interest rate of real estate loans is not monolithic, and it is reasonable to continue to decline in the future.

However, it needs to be reminded that if you want to buy a house now, there is no need to care too much about the LPR interest rate. Just calculate an account and you will understand.

If the loan is 6,543,800 yuan and the repayment period is 30 years, every 5% reduction in LPR will reduce the monthly payment by about 30 yuan, which is a bowl of beef noodles.

Therefore, there is really no need to wait until the LPR falls before taking action. Instead of this, it is better to think about how to get more benefits from bargaining with developers or owners, and give a little discount to eat beef noodles for one year.