in late December, there are many bank final accounts in late December, not only personal mortgage loans, consumer loans, business loans and other types of loans are suspended
journalist Liu Meng
news of the real estate market has always been a state of extreme nervousness". It has been reported this month that 56 banks have stopped lending. However, from the recent survey of the "Securities Daily" reporter, "56 banks stop lending" is not exact.
"Securities Daily" the reporter investigating a number of banks in Beijing to stop only a very few of the phenomenon, most banks are normally accept loan applications, although there are individual branch bank loan business will transfer to other branches, which belongs to the bank's internal business adjustment. It is understood that in late December, a number of banks began to do year-end accounts at this point in time, not just individual mortgage loans, consumer loans, business loans and other types of loans are to suspend lending in the state, only accept the application and approval, wait until after the new year's day started in accordance with the order of the loan.
"56 banks stop lending"
expression is too vague
actually, the news of "56 banks stopped lending" came from monitoring data from a third party platform. The platform data show that in November 2017, the average interest rate of the first suite loans in China was 5.36%, equivalent to 1.09 times the benchmark interest rate, 1.13 percentage points higher than that in October, and the average interest rate of first suite loans increased 4.44% percentage points in November last year, up 20.72 percentage points. In November, among the 533 banks of 35 cities in the country, 86 banks increased the loan interest rate of the first suite, accounting for 16.13%, and 388 banks had the first suite loan interest rate unchanged from the previous month, accounting for 72.79%. The average interest rate of the first suite loans in 35 cities monitored by the platform is 4.93% in Xiamen, the highest is 5.77% in Zhengzhou, and the average interest rate in Beijing in November is 5.27%, which is 0.01% lower than that in October. At the same time, in November, a total of 56 bank branches (branches) were suspended for the first set of mortgage business because of the amount and other reasons, 14 more than last month.
, it is worth noting that the statistical caliber of the message is not all caliber. The statistical basis of the data platform is 533 branches of 35 cities, which is far away from the total branches and branches of all the banks in the country. And the 56 banks' withdrawal data are not confirmed by banks.
, in the case of a joint-stock bank in Beijing, is in the list of "stop loans". Recently, "Securities Daily" reporter consulted the buyer's identity on the basis of his home buyer's identity, and found that "stop lending" is not true in Beijing, Haidian District and Chaoyang District. A branch of the bank loan manager, told reporters: "the second half of this year, our bank has been in line tension, the head office did not notice to stop lending, but we will remind borrowers loan is relatively slow, if more anxious can give priority to other bank loan fast. At the same time, there are a few branches to transfer the loan business to other branches, which belongs to the internal business adjustment of the bank.
, a staff member of a state-owned big business, told the Securities Daily reporter that the amount of bank loans is planed every month, and the average year-end quota is less than that at the beginning of the year. This year, the overall quota was rather tense, and the end of the year was more prominent.A real estate intermediary in Beijing area
manager also said on the "Securities Daily" reporter, in late December, a number of banks began to do year-end accounts at this point in time, not just individual mortgage loans, consumer loans, business loans and other types of loans are to suspend lending in the state, only accept the application and approval, wait until after the new year's day in order to loan.
Beijing first suite loan interest rate
recently, the Securities Daily reporter visited a number of 9 outlets in Beijing, including ICBC, China Construction Bank, Beijing bank, Bank of communications, Minsheng Bank, Shanghai Pudong Development Bank, China Merchants Bank, Xingye Bank and HSBC. Among them, 4 banks' personal loan managers said that the first suite loan interest rate was the lowest floating 5%; 3 banks indicated the lowest floating 10%; 1 banks indicated the lowest floating 5%, the mainstream was floating 10%; 1 banks indicated the lowest floating level 5%, the mainstream floating 15%-20%.
, there are two banks to express a sufficient amount, generally 3 -7 working days for loan, 7 working days after the mortgage can be released. The other banks say the lending cycle is at least one month.
, a broker of a real estate agent in Chaoyang District, Beijing, told our correspondent that at present, the bank with the lowest interest rate in the first suite is a city commercial bank, and the first suite is going to go up 3% according to the benchmark interest rate. However, most of the customers who haven't chosen the bank recently choose this bank. According to the brokers' argument, most of the first suite lending rates of most banks now go up 5% at the benchmark interest rate, and the 3% difference between them is not much.
is worth noting that the recent survey of the Securities Daily has found that many banks in Beijing have loosened their demand for wage water. A number of bank staff members said that for high quality customers (500 strong employees, institutions, civil servants and bank cooperative customers), loans within 3 million yuan no longer need wage and flow certificate.
is tight, and the time of lenders is long
From: 停贷传言再次来袭：银行及中介承认压单多 否认“拒载”
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