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Chongqing part of the bank to suspend second - hand housing loans

Time: 2013-09-16         Source: Chongqing Daily         Author: Anonymous
Recently, from the Chongqing commercial banks and real estate intermediaries learned that due to tight bank credit lines, some banks have been suspendedSecond - hand housing loansThe This may lead to the price of second - hand housing in Chongqing will decline, and now a number of real estate intermediary in Chongqing is running trial "fast loan - pass" business.

The impact of the liquidity of the banking system does not seem to end, following the delay in the first-hand housing lending time and select the first suite loan interest rates, the bank began to take second-hand housing "knife." "I had intended to buy a second-hand water room to do the marriage room." Unexpectedly, to a state-owned bank to apply for a loan was told that temporarily unable to provide loans. "People living in Chongqing Jiulongpo District Shaping Bridge, said the people of Peng Xiaojing. Desperation, had to find relatives and friends to make money to pay a one-time payment.

"Now the backlogOne - hand housing loanApplication list has been a lot of second - hand housing loans can only be shelved for the time being. "Chongqing City, a large state-owned bank loan department official said, starting from July this year, has been delayed second-hand housing loan applications, to have been suspended second-hand mortgages.Then, from Chongqing, the real estate intermediary to understand that at least two Home commercial banks have been suspended second - hand housing loans, has no longer receive second - hand housing approval applications.

Although some banks are still in the normal acceptance of mortgage applications, but some commercial banks to increase the difficulty of mortgage applications, and improve the second - hand housing loan interest rates. "The current second-hand housing loans, even the first set of lending rates are often up 5%, and some bank lines tight, in terms of second-hand housing loans, only for qualified customers better." Chongqing, a large Real estate intermediary mortgage business director Liu said. "Second-hand housing loan interest rates floating more, generally need to float about 5%." Chongqing City, another joint-stock bank loan department confirmed that this addition to the control of risk considerations, but also to raise the threshold to control the loan application Rhythm.

In the context of the amount of tight, why banks only to suspend second-hand housing loans and did not suspend the first-hand housing loans? Commercial banks in Chongqing City, the view, which in addition to the interests of the consideration, but also from the side reflects the bank pay more attention to asset quality.

"After the end of June liquidity turmoil, the bank's wind control awareness, will be more stringent control of the risk of mortgage window." City, a commercial bank sources, the first half of this year, state-owned bank mortgage loans more fierce, the second half of the natural Will adjust the credit structure.

In fact, the quality of bank assets has been worrying about the beginning. 2013 listed banks in the newspaper reported that 16 listed banks non-performing loans amounted to 440 billion yuan, compared to the end of 2012 increased by nearly 40 billion yuan. In addition to the four lines, from the end of 2011 to the present, the remaining 12 banksNonperforming loan rateAnd nonperforming loan balances are in double liter.

Another commercial bank credit department revealed that after the first half of the liquidity tensions, the bank for the deposit and loan ratio of the more stringent assessment, limited resources in the premise, the banks are more willing to spend money on other types of loans. Learned that, relatively speaking, the mortgage business is not "cost-effective" mortgage benchmark interest rate is the mainstream, and the general small business loan interest rates should be based on the benchmark interest rate floating 30% to 40%. In addition, the mortgage loan life is very long, but the enterprise operating loans generally 2 to 3 years will be able to recover.

"Compared to second - hand housing loans, the amount of first - hand housing loans is generally high, and the preservation of the property is good.At the same time, the first - hand housing developers generally have a bank with the development of loans, wages and other business accounts, can generate derivative deposits So the bank is more willing to tighten second - hand housing loans to ensure that the first - hand housing loans issued. "A joint - stock bank loan department official said.

"This will also affect the level of second - hand housing turnover, or will lead to second - hand housing prices appear a certain decline." Another city real estate intermediary trading person in charge of Mr. Zhang said that because the buyer refused to promise in the contract Specific to the time, sellers who are anxious to get the money, recently they have several companies have a good price list of the last did not sign into a list

"Because the loan is uncertain, and now some landlords want to buy a house can be a one-time payment, so the price will be appropriate to make concessions." Second - hand housing sales manager, said Miss Zhong, "Nanbin Road, there are sets of 120 square meters Riverview room, The landlord asking price of 1.1 million yuan, if the whole house to buy a house, you can drop to 1.05 million yuan.

"Some small and medium-sized second-hand housing intermediary may be the greater impact." Real estate intermediary stakeholders, large real estate intermediary general cooperation banks are relatively wide, you can "the East does not shine the West bright." Moreover, now a number of real estate intermediary in Chongqing is running a trial "fast loan" business, that is, after the completion of the transfer of buyers and sellers, by the real estate intermediary to come forward to seek mats, mats first to the property to the seller, Transfer at the same time, the owner received the balance, is basically the whole transfer.

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