The end of the Beijing Property Transaction "emboldened" the surviving bank mortgage approval tighter

China Securities Journal reporter recently visited a number of commercial bank branches in Beijing learned that near the end of the first mortgage interest rates of commercial banks to 10% or benchmark interest rate, but there are still some banks to provide interest rate 85% discount.
Insiders said that this situation favor just need population by the end of the purchase, expected volume of new homes is expected in November over October, but a limited supply of market rebound in trading volume in November amplitude or limited.
Bank mortgage approval tighter
China Securities Journal reporter learned that, in accordance with the case in previous years, due to the end of the bank "tight money", most of the commercial banks in the first set of mortgage interest rate concessions will be canceled and may even suspend personal mortgage business, but this year the situation has improved. Real estate agency said, there are still 85% off the first mortgage interest rates of the the Beijing majority of commercial banks and foreign banks. "In past years to the end of the year, several large banks basically impossible loan interest rate concessions, even approved loans are very difficult this year, the Agricultural Bank of China, Bank of China, there are 85 to 10% discount, but some banks have for a long time can not get the 85% discount rate , such as ICBC, China Construction Bank, China Everbright and other. "
Siyuan real estate, a staff, compared to Chinese banks, large foreign banks preferential mortgage interest rates relatively low threshold, at present most of the foreign banks have a 15% interest rate concessions. "Foreign banks approved loans faster, but generally customers are not in a hurry, or more inclined to choose Chinese banks."
HSBC, a loan account manager, said the first set of mortgage must be at least three percent down payment, liabilities, income subject to the requirements of the bank (ie, the monthly income is higher than 2 times the monthly repayment amount) of less than 15 years , second-hand housing Fangling The loan interest rate you can enjoy 85% discount. A staff member of the Bank of East Asia said, "I line start from mid-June this year, the first suite loan interest rates to 85-fold by the previous baseline levels. Generally speaking, as long as the required personal qualifications, income, most of the applications customers can get promotions. "
Bank insiders also told the China Securities Journal reporter, near the end of the year, by the impact of the credit lines, even the different outlets of the same bank, for the enforcement of mortgage interest rates is not exactly the same. Currently, banks first suite loan approval requirements are very strict, the applicant information check more cautious. Therefore, the specific loan interest rate discounts, grant loans required time to require buyers to bank branches to understand. "Bank line of credit will be more and more nervous, and began application in December can not lending still unknown." CCB a loan account manager said.
Transaction or chain increased in November
Increasingly cold weather, but the enthusiasm of many prospective buyers do not cool down. Real estate agency who said, "past the end of time, basically no showings to buy a house, but now our business." According to reports, many of the prices buyers just need to doubt the future trend, anxious coming in the New Year before the shot.
Interviewed buyers said: "We are from live-just need to buy after the price ups and downs we will not have any impact, because it is not possible to sell, so it is still early morning to buy peace of mind it is now the end of this year, there will 85 interest rate discount for the month after some pressure. "
Cause I love my family, group vice president is expected by the end of first-time home buyers, to improve the class needs may also release November new home total turnover is expected to exceed 10 months. Due to the current supply is still not big, the magnitude of the rebound in trading volume in November, the pure commodities residential volume is difficult to break through the 10,000 sets.
He suggested that the end buyers of personal loan qualification should be more cautious. For example, to ensure that the personal bank loan qualifications meet the requirements, also need to pay more to confirm at the time of loan approval, in order to avoid problems in the approval link and influence buyers bring unnecessary disputes.
The industry believes that the reduction of the supply of new homes is only temporary, the end may also have introduced new disk, or early next year, the climax of the push plate. Second-hand housing in the same area as one of the buyers choice.