Some banks in Shenzhen to introduce consumer loans and other disguised mortgages

After the housing market New deal, the bank's mortgage more and more tight, many have several sets of property investors have been unable to apply to the third set of mortgages.　　and the second-suite down payment to 50%, some people with improved housing needs are also blocked by the high threshold outside the door.　　Yesterday, the reporter learned from some banks in Shenzhen, the mortgage tightening is not Shun, some banks launched "mortgage-free credit", "50 days of interest-free period" and other consumer loans, the detour into the mortgage. The current status of consumer loans to home buyers yesterday, the reporter came to CCB branch, said he wanted to buy two suites, but the down payment has not enough funds, whether there is a flexible approach.　　Mr. Joe, of the personal loan department, then said that if the first suite was in hand, it would be able to mortgage the property card, apply for consumer loans, the bank will be the loan into the other account, rather than himself. "We will first assess your property, for example, the assessment price is 1 million yuan, we can borrow 70% or 700,000 yuan, and directly into the other side of the account, the consumer loan interest rate for the base rate of 10% floating." "According to reporters understand that the use of personal consumer loans is very wide, mainly refers to the bank to individual customers have designated consumer loans (excluding mortgages), including consumer durables, such as consumer personal loans, generally to the borrower himself or a third person all the legal right to dispose of the housing as collateral.　　At present, banks in the approval of consumer loans require customers to provide a clear direction of lending. "We can not give you the loan, but to the decoration companies, car manufacturers, etc., must have a clear consumer use."　　"This is the most important difference from a general mortgage," says Mr Joe.　　　　But there are also people said that in order to avoid bank regulatory restrictions, in advance with the decoration company to greet, pay a certain "channel fee", can let the decoration company will be loans into customer accounts. Ping An bank mortgage-free loans up to 300,000 if there is no red Ben in the hands of the property can be mortgaged how to do? Some banks have also introduced mortgage-free credit. For example, Shenzhen Ping An bank launched a mortgage-free credit business, bank customer staff said that the loan is mainly aimed at 21~55周岁 workers, in Shenzhen to meet the pre-tax income of more than 4000, and in the current unit of 6 months of work, there will be a chance to borrow 40,000 ~30 million of the security-free mortgage loans.　　　　If you loan 100,000 yuan, the loan time is 36 months, repayment 3679 yuan each month. China Merchants Bank's highest interest-free overdraft 1 million recently, China Merchants Bank on the previous introduction of the mortgage "easy consumption" to upgrade, in the credit limit, the amount of interest-free overdraft from 50,000 to the maximum of 1 million yuan, can enjoy a 1-50-day interest-free period. If the account balance is insufficient, the bank will automatically issue a short-term consumer loan to repay the overdraft, the interest rate is the same grade benchmark interest rate, far below the credit card penalty daily extremely 5 interest rate, before the overdraft part also no longer collect interest. At present, similar to mortgage products, such as the end of the interest-free period can not be repaid in full, overdraft section will start from the day of consumer success5 per cent of interest is charged. Second, the mortgage "easy to consume" easy to use, as long as the approved by the credit card consumption or online payment, independent control.　　　　Customers can take the initiative in advance repayment, but also the expiration of automatic deduction, recycling use of interest-free consumption. Price reduction of 100,000 also sell not move the owner put a surge of more than 50% housing market hot Property "New Deal" issued a week later, Shenzhen's real estate market has changed.　　Owners put the general surge of more than 50%, intermediary hanging out a large number of disk sources.　　In the market strong wait-and-see mood, the owner also began to loose in the price, and some small huxing price of 100,000 yuan still sell not move, more buyers began to choose to rent, leading to the rental market hot up. Reporter Yu Chen put volume surge 50% reporters in the Sino-Union Real estate Color Field branch See, nearly two days in the doorway hanging out of the new disk has more than 50 sets, added several pieces of plaque to publicize the latest listings. "To see the room, we recently added more than 100 sets of new house source, put volume increased by more than 50%, many owners in these days put."　　"Home purchase Advisor Bear said.　　Mr. Wu, of the Xiangmihu branch of the property, said the listings had grown more than 30% over the past few days. Second-hand housing prices still sell "a period of time such a house hang out 1.55 million yuan have been sold, and now to 1.45 million yuan still sell not move, buyers are watching."　　　　"Sino-Union Real estate Color Field branch of Mr. Huang pointed to a set of 73 square meters of small huxing House said, now the property market is not optimistic, so the psychological expectations of the owners have also been reduced, willing to lower the reserve price of 100,000 yuan, but hanging out still not as the past a grab and light. Last week's new house turnover fell by half from last week, the policy effect began to show, Shenzhen new house turnover continued to decline momentum, deal downturn. Among them, Luohu District on 23rd, 24th turnover of zero.　　According to the City Planning Committee website Statistics, last week, the new house turnover quickly fell, 6 days only 392 sets, the average daily only 65 sets, a total area of 34604 square meters, the volume and area of the last week (April 12 to 18th) half. The newly opened property is also much lower than expected. Originally planned 51 opened in Shenzhen Nanshan District Bay International Apartment, on April 22, to 14500 yuan/square meters for sale, before the opening price rumors more than 20,000 yuan. Located in Luohu District, LAN Ting International even has a deposit of 100,000 yuan to 200,000 yuan of preferential activities.　　　　April 17 opened Longgang Buji Language Bank, the original plan 15000 yuan/square meters of the opening price also reduced to 13000 yuan/square meters. The rent is up 30% higher than the beginning of the year. Almost at the same time as the housing turnover plummeted, the Shenzhen second-hand house rental rate and rental prices began to accelerate, especially in some busy areas, the rent price compared to the highest rise in the year above 30%.　　"A well-known real estate intermediary regional manager located in the South Mt. District pioneering road has a new change in the property market," he said. Before the new deal was released, some 30 square meters of house rent in 700 yuan up and down, a week after the general rise of two hundred or three hundred yuan, rose in between 30%-40%.　　The tenant, who is partly due to renew its lease, is also widely told that rents should be raised. Wang, director of market research in Shenzhen Zhongyuan, said the market will remain on the sidelines for some time under the influence of tighter credit policies. With the real estate spring intersection approaching, the developers may speed up the project sales speed, may also use the spring fair to hold a series of marketing activities to attract customers, second-hand housing put volume will also increase, the deal by the wait-and-see sentiment will continue to reduce the impact.