End of year mortgage card tight first set 70% difficult

Industry: 80% buyers are loans to buy a house, credit tightening than the elimination of tax concessions to hit the end of the year has come, more and more buyers find that the mortgage is increasingly difficult: approval delays, lending speed significantly slowed ... Fence Online Even a netizen posting said that the bank from 15th after the cessation of personal mortgage business. Reporter yesterday from a number of intermediary companies to deal with mortgage part of the confirmation, this argument is not tenable.　　But at the end of the year the mortgage is really very tight, do not say two suites, even the first suite to loan 70% are difficult. December audit tightened, loan extension according to the major intermediary companies to deal with mortgage part of the first, the end of the bank in the audit of customers, in some provisions of more detailed provisions, even the first suite is no exception. "Intervention long, low price, customer credit is not good, income confirmed not meet the requirements, down payment does not conform to the provisions of the." "Shanghai Kai Yi Investment Consulting Management Co., Ltd. told reporters that before the loan approval, the bank will be the customer's qualifications, income, assets, liabilities, repayment capacity and other circumstances to make a comprehensive rating, the rating of substandard loan applications will be returned. For example, a home buyers, in mid-October bought a set of 1.9 million yuan in the Minhang of second-hand housing, a down payment of 1 million yuan, plans to handle a trade loan of 900,000 yuan, on October 20, the material submitted to deal with trade loan procedures. The buyer bought a second-hand house two years ago, now the loan has not yet been repaid, and can not provide a stable income confirmation. Although she does not regularly have a large amount of money, but the bank in the comprehensive assessment of her, still think it does not have the ability to stabilize repayment, the application back. "Mortgage difficult" also reflected in the extension of loan processing time, due to the end of the year, more than 50% of the banks have used up the annual loan quota, began to control the lending scale, but the loan processing volume is still very large, so the speed of approval is significantly slowed down.　　He said the first loan approval could be implemented as soon as one week, and it is now generally extended to about 2 weeks. November Mortgage added tens of billions of dollars in the State Council to curb some of the city housing prices too fast rising momentum of the policy background, the impact of bank credit tightening can not be underestimated. "In the current home buyers, the proportion of loans is very high, so the tightening of bank credit, the market will be more hit than the abolition of preferential tax." "Yi Ju Letter Market Research Center analyst Jody Green told reporters.　　According to Jody, a rough estimate of the number of buyers in recent months, the need to borrow at least 80%.　　The Bank of China's Shanghai headquarters December 14 issued a currency and credit operation data showed that the recent Shanghai Housing trading volume, the impact of the November Shanghai Yuan Personal housing loan added 10.74 billion yuan, compared to last month, more than 1.58 billion yuan, higher than the same period last year, more than 11.98 billion yuan. In December, loan signings and loans remained high. Zhao Wei, deputy general manager of the Investment Advisory Management Co., Ltd. told reporters that, as foreseen by the end of the property market preferential policies may be adjusted, many customers to the end of November signed a sale and loan contracts, to seek loans in December. IsDecember second-hand housing and deal size both fell, but due to the lag of the loan market reaction, so the mortgage contract size is still large. Zhao Wei that in January next year, the amount of mortgage payments may fall sharply. January is the traditional off-season, coupled with trading volume in December, it is expected that the January mortgage contract will fall 30%-40%, but the size of the loan in January should not be reduced, because the year-end approval but not the loan list will focus on the next year in December treatment.