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Personal consumer loan interest rates up 40% maximum Mortgage loan credits

Time: 2017-06-22         Source: Securities Star         Author: Star of the securities

Near the end of the second quarter, bank liquidity tightened, and credit lines became increasingly tight. Yesterday, the reporter learned from a number of banks in Hangzhou, in addition to the mortgage credit limit,Mortgage,consumptionLoan amountAlso tight,Some banks have significantly raisedPersonal consumption loan interest rate, the highest increase of 40%, there are several banks simply "mortgage" the credit line of the mortgage loan.Up to 50% of the assessed value of the property can only be obtained. A small number of small banks have even faced a tense situation of “a hard-to-find loan,” and this month’s basic lending does not provide any money.

After bank loans hit the wall, some individuals and SMEs eager to use the money desperately turned to the private lending market, but lending rates also rose. Even if there is collateral, the loan interest rate of some small loan companies is as high as 19%. Reporter Ma Shan

Personal consumer loan rates up to 40% The loan period continues to increase

Recently, the loan market in Hangzhou has clearly felt the impact of tight money: interest rates have risen and lending has slowed.

Mortgage loans bear the brunt. In addition to individual banks suspending their loans, most banks will return the benchmark lending rate to the benchmark, even up 10%. "Large-sized loans" has been queuing until two or three months later.

Among the banks in Hangzhou,Consumer loans generally rise by 20%-30% at the benchmark interest rate, and the highest ones have risen by 40%..

       

According to a bank loan officer of a state-owned bank, last year, the bank launched a new consumer loan product. If you are a payroll customer, a Fortune 500 company employee, a civil servant, a teacher, or a doctor, you can also apply to the bank for preferential interest rates. ,The minimum is 10% higher than the benchmark. Some customers with more reasonable qualifications can usually apply for a 20% loan interest rate.. Recently, the credit line was in short supply. Not to mention the interest rate rebates, some colleagues had already heard the wind. Starting from July, the loan interest rate for this product was to rise to 40%.

There is also a joint-stock bank with a substantial increase in consumer loan interest rates. Before the interest rate level was 25% above the benchmark, it is now floating up to 40%. The loan-releasing cycle has also continued to prolong. In early May, the bank had the fastest loan for two or three days. Now it usually takes 10 working days or even longer.

The bank's loan manager accounted for the following: “The consumer loans with more profitable space are becoming more and more difficult to do. The higher-level bankers have died and the entire branch’s loan quotas have been affected. Naturally, consumer loans have been affected. The recent quotas are very tight and the banks have to be bankrolled. To increase the loan interest rate, if the risk factor is roughly the same, customers who are willing to accept higher interest rates will give priority to lending, and the remaining customers will have to wait in line.As the bank's qualification review of loan customers becomes more and more stringent, the lending limit is basically difficult to meet the expectations of most customers.. ”

Mortgage loan credit amount “blocking waist”

A bank can only get a maximum of half the property evaluation value

In March last year, when a joint-stock bank in Hangzhou had sufficient credit lines, it launched preferential activities for home mortgage loans: The lender's maximum credit amount can reach 90% of the real estate evaluation value. This means that a set of properties in the city center, if the assessed value is 2 million yuan, the lender can credit 1.8 million. The annual interest rate is still very low, at 5%, and the maximum loan period can be 30 years.

Yesterday, the reporter asked Ms. Liu, the loan manager of the joint-stock bank, that the credit amount of this “room loan” business had been “blocked” by the end of May this year. In other words, if the lender’s collateral is a set of houses with an estimated value of 2 million yuan, a maximum of 1 million yuan can be granted, which is a reduction of 800,000 yuan from the beginning of last year. The annual interest rate of the loan “preferential price” has gone, floating up to 6.3%, and the loan period has been shortened to a maximum of 5 years.

Ms. Liu reluctantly said that at the beginning of last year, the credit manager was afraid that the loan could not be put out. What was missing was quality customers and availability. Now that there has been a major change in 180 degrees, what can banks do if they are short of money? The loan business can only be tightened in terms of the amount of credit, loan interest rate, and loan term.

Some Small Banks "It's Hard to Get a Loan"

This month the basic loan is not money

The second is the rise in interest rates. The problem is that there is no money at all. “The loans applied by customers during this period, including mortgages and mortgage loans, are basically being pressed.” A city commercial credit officer said that we are much tighter than big banks, and the amount of loans this month has been exhausted at the beginning of the month. , I heard that only a few big mortgage loans, or left over from customers in May. The loan applied for this month can only wait for the first one or two weeks in July. The quota is estimated to be robbed. Otherwise, the loan is nowhere in sight.

       

Another manager of the credit department of the city commercial bank said that the current credit limit is indeed a bit tight, and it basically takes one week for approval. It takes half a month for mortgages to be processed, and it takes more than one week for loans. It takes a month for them to add up. In order to make a loan, if this month's loan, the loan must be in July.

An insider of a state-owned bank pointed out that after the CBRC intensively issued new regulatory rules to conduct financial deleveraging, the central bank also intends to raise market interest rates and force banks to use leverage. Under the squeezing of monetary policy and industry supervision, bank liquidity is tight. , leading to tighter credit lines. Coupled with the gradual approach of the MPA examination deadline in the second quarter, the liquidity of each bank is even tighter and the cost of funds is getting higher and higher, prompting bank banks to be more cautious in lending, and credit demand has been squeezed, leaving institutions and individuals under pressure. Feels more and more difficult for loans.

Small loan company interest rates rose

Banks are tight and loans become extravagant. After bank loans hit the wall, individuals and SMEs eager to use the money would choose to turn to small loan companies.

Ms. Jiang, who is doing business in Hangzhou, consulted with several banks and felt that mortgage lending was too slow. She was eager to find a small loan company in Xiaoshan. Unexpectedly, the other party's offer really made Ms. Jiang startled. "Buy Price is 19% per annum, which is closer to 20% compared to the end of last month."

Afterwards, Ms. Jiang called several small loan companies one after another.If there is collateral, the loan interest rate is the lowest 17%, generally more than 18%, higher than normal. pureCredit loan interest rateIt is closer to 30%. One company’s salesman explained that there is no money on the market, the bank is short of money, the company’s advantages are obvious, and when the formalities are complete, we will be able to lend on the same day, and the lending rate will also go up.

The "tight money" of banks also affected the business of some loan brokers.

Xiaofan is a salesman of a loan brokerage company and he is dependent on the provision of 1% to 3% of the total loan amount. In the past two days, many of his clients had eaten closed doors and their income was almost zero. Xiaofan said that last week, several personal credit loans I reported to the bank were called back. The bank did not explain it too much. It just said that it could not be approved temporarily, and it would be over for a while. Not only that, but a number of banks with business contacts indicated that the amount of mortgage loans was tight and they needed to wait in line. A few banks even suspended the mortgage loan business.

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