Several banks in Nanjing suspend personal mortgage loans

Source: Internet
Author: User
Keywords Bank loan journalist Nanjing
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The market is rumoured to have finally been confirmed by banks ' lending. The reporter learned from the industry, Nanjing, several banks have suspended mortgage loans, some have been approved but have not issued personal housing loans, need to wait until the beginning of February to get.  People in the industry said that if the central bank recently introduced a policy of interest rate hikes, these lenders ' mortgage rates will also rise. Status: A number of banks in Nanjing suspended mortgage lending yesterday, a client of a big state-owned bank in Nanjing told reporters he was in Longjiang a real estate intermediary bought a second-hand housing, at that time to the bank to apply for 1.3 million yuan loans, the loan formalities were done years ago, the bank also approved the approval, only the bank lending,  But due to the end of the bank credit line used up, the bank promised to give him a loan this January, it is expected that yesterday, the real estate agent informed him that the bank's credit line in January, all the loans stopped, his house loans can not be issued, so he could not pay for the house. "I'm very worried now that the sellers will not tear up the contract because I didn't pay the rent, but I finally got the house," he said. He worries about the tunnel.  Fortunately, the bank's mortgage salesman promised him that next month his room was listed in the first release, and his family also expressed understanding, not embarrassed him. Coincidentally, the citizen Mao yesterday also anxiously asked the reporter to inquire, its loan in another bank can be approved.  He told reporters that he signed the January 20 purchase contract, paid a 400,000-yuan down payment, to the bank loans of more than 1.2 million yuan, but January 21 around 4 o'clock in the afternoon, suddenly received a letter from the lender, said that just received the provincial bank documents, to January 18 for the sector, after the signing of customers no longer put loans.  After getting the news, Mr. Mao couldn't sit down, because last week when he decided to buy the suite, it was the preferential policy of paying 20% interest rate at the beginning of the line, Mr. Mao worried that if the loan could not be done, once the interest rate hike, the first Shengcheng number of loans and the interest rate rise again, I certainly could not afford The reporter immediately contacted Mr. Mao's lender, she told reporters that they are also January 21 afternoon to be notified, and then hurriedly overtime will be Mr. Mao's related materials in the night around 7 o'clock to the banking system, "we received the document time is January 21, and the document stipulated the time is January 18, There are more than 10 customers with a time lag and do not know how the Provincial guild will handle them.  "Have you heard the wind of the tightening of the loan before, the lender admitted that the tightening had been heard, but that before the official document, everyone would have given the client the most favorable mortgage policy, but she had reminded her clients last week that the loan policy would change at any moment. Worry: If the rate hike this month will increase mortgage interest reporter learned that Nanjing is now a number of banks to stop lending loans, such as BOC, ICBC, and other bank. One of the bank's provincial branches told reporters privately that the banks that had stopped lending were running out of loans in January, and that they had no money to lend to the city's insiders., while clients waiting for February to lend are in long lines, which could be eased by March.  However, People's Bank loans department, such as Minsheng Bank, Citic Bank, ABC and Everbright Bank, told reporters that their loan quota had not been exhausted, so it did not stop the personal loan loan business. It is understood that domestic banks in January is indeed very rapid lending, in addition to lending as much as 600 billion in the first week, as of January 18, the domestic bank new loans have reached 1.2 trillion yuan, much higher than the same period last year growth.  Although the chairman of the CBRC, Mr Liu, said in Hong Kong at the Asian Financial Forum January 20 that he had not ordered banks to stop lending, it has been shown that some banks have ceased to lend. "The loan was not for the second suite, but for all the loans. "A bank in Nanjing says the regulator now has a monthly limit on bank lending, which cannot be set aside, so once the loan line runs out, no loans will be issued."  Therefore, this stop loan does not mean that the bank mortgage policy changes, "wait until February or March, the bank has a new line of credit, it can be issued housing loans, customers do not worry." However, some mortgage customers expressed concern: "Now the market rumors that the central bank will raise interest rates, if in the end of January, if the central bank to raise interest rates, have been approved waiting for loans of mortgage clients to raise the interest rate?" "In this case, bankers said that this concern is justified, according to the bank rules, as long as the loan has not been issued, the interest rate can be adjusted."  As a result, once the central bank raises interest rates, the mortgage rate is sure to rise and the loan interest will increase, but the down payment will not be adjusted or executed according to the original contract.  Chen Chunlin Forecast: The impact on the property market is only short-term Nanjing I love my home marketing manager Shulili said in fact, the reason for the bank to stop lending is mainly due to the volume of transactions since December last year, this can also be seen as a "clean-up" within the bank, for a period of not more than 10 days, buyers can still afford. Zhang, secretary general of the Nanjing Real Estate Development Promotion Association, said that a few big state-owned banks stopped lending at the same time, not a signal of policy "tightening", on the contrary, it is a good thing. "There is too much lending in front of it, and it helps to maintain the health and stability of this year's credit market through short-term clean-up." "How big a stop-and-go effect on the real estate market?" "From the present point of view, it does have a certain impact on the property mortgage, but only in the short term," Nanjing Union Zhong Heng Real Estate Planning Agency Co., Ltd. Cheng that the government on the purchase of loans this will certainly not limit, after all, mortgages are quality loans, even two suites, will only be in the down payment ratio and interest rate on the threshold, but not " One-cut "limit. Mazoupo related news: The Central bank may raise interest rates in the next week Guotai the macro research team reported in Friday that China would raise interest rates or restart at any time in the context of persistent economic overheating and persistently high inflation expectations, and that there would be interest rate hikes in the next week, up to 4 this year.The rate hike cycle will be launched before late months. Zong He
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