Are you still waiting and watching? It will be more difficult to get a loan from September 1st, and you may really not be able to afford a house...

Have all friends who want to buy a house recently discovered one thing: that is, the mortgage interest rate has increased again! Although tight loan lines and rising interest rates are nothing new, this situation has not eased in 2019, and there are even signs of getting worse.

Starting from September 1, the loan industry will usher in a huge earthquake. More and more people will know what "it is difficult to get a loan, it is difficult to get a blue sky"

September 1 The era of low interest rates will come to an end and the era of high interest rates will begin.

Starting from September 1, the credit reporting systems of major construction committees will be replaced by Credit Union, ushering in the era of credit.

Effective September 1, the China Banking Regulatory Commission and the China Insurance Regulatory Commission will merge. From then on, the two associations merged and were under the same supervision.

Starting from September 1st, individual personal special loans for credit goods will be closed one by one.

Starting from September 1st, big data integration will be completed, and you will be "naked" in front of big data...

Starting from September 1st, China's financial sector will be in great turmoil!

1. The credit reporting system was replaced by Credit Union, ushering in the era of credit

According to the official website of the People's Bank of China, the central bank has accepted the application of Baihang Credit Reporting Co., Ltd. The company's (preparatory) personal credit reporting business application has taken a step further to implement the "Credit Alliance" that has been highly popular in the industry. "Credit Alliance" gathers the credit reporting records of the People's Bank of China, big data credit reporting, China Internet Finance Association and other major credit reporting companies to comprehensively integrate credit reporting data. The arrival of "Credit Union" means that everyone's behavior records will be reflected in the credit reporting system, and bad records will have nowhere to hide. The end of the old gangsters is not far away!

2. The China Banking Regulatory Commission and the China Insurance Regulatory Commission have both merged to provide the same supervision.

In the view of industry insiders, the China Banking Regulatory Commission and the China Insurance Regulatory Commission have joined hands to break down the regulatory barriers and regulate all aspects of banking and insurance. Penetrating supervision of institutions, businesses, and products by one regulatory agency will help improve the breadth and depth of supervision, find the source of risks, formulate targeted measures to prevent and control risks, and achieve full coverage of supervision. The intensity of supervision is so strong that people with less qualifications can't help but tremble!

3. The central bank raised the open market interest rate again, further tightening the quota.

On August 16, the central bank raised the open market interest rate again. Since the Federal Reserve raised interest rates, the reverse repurchase operation interest rate has been Increase across the board. Some time ago, Zhou Xiaochuan, president of Zhongmu Bank, said, "In the future, loan quotas will be tightened, interest rates will gradually rise, and thresholds will be raised on a large scale. It will be inevitable that loan payments will be difficult, strict, and insufficient loans will be available."

From Rongeju’s perspective, China’s loan interest rates are easy to rise but difficult to fall, so those who are in urgent need of loans should get on board as soon as possible.

IV. Credit contraction, some special personal loans will be closed

As the Federal Reserve raises interest rates, countries including the Central Bank of China have begun a new round of credit contraction.

For financial institutions such as banks, credit loan risks are very high

On the one hand, companies may face problems such as poor management during competition, resulting in the inability to repay bank debts. Once the non-performing asset ratio rises, it may even trigger a bank credit crisis.

On the other hand, during the economic downturn, banks lack the ability to carry out credit loans and need to adjust their credit plans based on actual conditions to ensure the healthy operation of their own mechanisms.

During the Two Sessions, the China Banking Regulatory Commission also stated that it would start conducting a six-month credit review and spot check on major banks in April. The policies of various banks have been continuously tightened, special restrictions have been placed on the use of loan payments, and various benefits have been gradually cancelled.

The key words for the financial industry in 2019 are undoubtedly “regulation” and “shuffle”. In the face of ever-increasing regulatory waves, those who can survive are undoubtedly those loan borrowers with good credit reports. In the future, the value of credit will continue to be highlighted and will become your passport for walking in society.

Financial credit will be at the center of the regulatory storm in 2019, and banks will have increasingly stricter requirements on customers! Loans will become increasingly difficult!

From now on, it’s no longer about asking about interest, but about whether you can get a loan!

01 You tighten your belt every month and plan carefully, thinking about when you can move out of the rental house and have your own little world. What is lying in your bank card is not only your hard-earned money, but also your Hope for the future...

We must pay attention to the dynamics of the housing market at all times. The news said that Na Na was interviewed because of rising housing prices. Domestic housing prices must remain stable, so that people can afford to buy houses and live in houses... ...You are full of joy and hope that the policy will help you stabilize housing prices and allow you to save money to buy a house. Maybe one day the housing prices will fall?

02 Even if the housing prices do not rise, unless you buy the house in full , otherwise you may spend more money. In addition, the average interest rate for first-time home loans has increased again, reaching 5.56...

03 According to the latest data from Rong360, the average interest rate for first-time home loans nationwide in August 2019 was 5.56, which is equivalent to the benchmark interest rate of 1.135 times, an increase of 0.91 from May, and the average first-home loan interest rate was 4.52 in April last year, an increase of 23.01. Since January 2017, the average interest rate for first-time home buyers nationwide has continued to rise.

Among the 533 banks in 35 cities across the country, 76 bank branches (branch) have increased first-home loan interest rates accounting for 14.26%, and 26 bank branches (branch) have suspended the acceptance of first-home loans. business. In April this year, the average interest rates for first-time home loans of the four major state-owned banks, Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China and China Construction Bank, all exceeded the benchmark interest rate by 12%.

04 If you think this data is not so intuitive, then you can think that the first home loan interest rate has been raised from the original benchmark interest rate of 4.9 to 1.1 times of 5.39. If your mortgage is based on 1 million yuan, If you calculate the loan with a 25-year term, your monthly payment will increase from 5787.8 yuan to 6075.4 yuan. In this way, compared with the 15% discount on the interest rate before the "317" property market New Deal, your monthly monthly payment will directly increase by 1,202.7 yuan! ! !

It’s hard to make money now! It’s hard to save money! Buying a house is even harder! What I want to tell you here is that those who want to buy a house now should hurry up and get it. Maybe it will be more difficult to buy a house in the future! In fact, there are currently many Dongguan properties in Dongguan that are suitable for those who just need it, and the current housing prices in Dongguan are not too high, so it is not difficult to buy a house!