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Personal consumption loan interest rate is up to 40%. Mortgage loan credit amount is “stopping the waist”

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

Near the end of the second quarter, bank liquidity has tightened, and the credit line has become more and more tight. Yesterday, the reporter learned from a number of banks in Hangzhou that in addition to the mortgage loan quota,Mortgage,consumptionLoan amountAlso tight,Some banks have increased sharplyPersonal consumption loan interest rateThe highest rate is 40%, and several banks simply use the credit line of mortgage loans., can only get up to 50% of the value of the property evaluation. A small number of small banks are even facing a tense situation of “one loan is hard to find”, and this month’s basic loans will not be paid.

After bank loans hit the wall, some individuals and small and medium-sized enterprises eager to use money, but in desperation will turn to the private lending market, but the loan interest rate has also risen. Even with collateral, some microfinance companies have an annual interest rate of 19%. Reporter Ma Shan

Personal consumption loan interest rate up 40%, loan period is extended

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

Mortgage is the first to bear the brunt. In addition to the suspension of loans by individual banks, most banks have returned the first home loan interest rate to the benchmark, and even rose 10%. "Equivalent to the big army" has been scheduled for two or three months.

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

       

A state-owned bank's personal loan department staff revealed that 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 apply for a preferential interest rate. ,The minimum is 10% higher than the benchmark. Some customers with more qualified qualifications can usually apply for a loan rate of 20%.. Recently, the credit line is in short supply. Don't say that the interest rate discount is gone. Some colleagues have heard the wind. Since July, the loan interest rate of this product has to rise to 40%.

There is also a joint-stock bank that has raised interest rates on consumer loans. The previous interest rate level was 25% higher than the benchmark, and now rises to 40% in one breath. The lending cycle has continued to increase. At the beginning of May, the bank was able to lend for two or three days at a time. It now takes 10 working days or more.

The customer manager of the bank's loan department said: “The consumer loans with larger profit margins are getting worse and worse. The higher-level bank has stuck the loan quota of the entire branch. The consumer loans are naturally affected. Recently, the quota is very tight. Raise the loan interest rate. If the risk coefficient is generally the same, customers who are willing to accept higher interest rates will give priority to the loan, and the rest of the customers will have to wait in line.As the bank’s qualification review of loan customers becomes more and more strict, the amount of loans is basically difficult to meet the expectations of most customers.. ”

Mortgage loan credit amount

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

In March last year, at that time, a joint-stock bank in Hangzhou had ample credit lines and launched a preferential campaign for mortgage loans: the credit amount of the lender can reach 90% of the value of the property evaluation. This means that a property in the city center, if the estimated value is 2 million yuan, the lender can grant 1.8 million yuan. The annual interest rate is still very low at 5%, and the loan period can be applied for up to 30 years.

Yesterday, the reporter asked Ms. Liu, the personal loan manager of the joint-stock bank, to find out that the credit amount of this “household loan” business was “stopped” from the end of May this year. That is to say, if the lender's collateral is a house with an estimated value of 2 million yuan, it can only grant a maximum of 1 million yuan, a reduction of 800,000 yuan from the beginning of last year. The annual interest rate of the loan “concession price” has disappeared, rising to 6.3%, and the loan period has been shortened to a maximum of 5 years.

Ms. Liu said helplessly that at the beginning of last year, the credit manager was afraid that the loan could not be released, and the lack of quality customers and housing. Now that the 180-degree change has taken place, what should be done if the bank lacks money? The loan business can only be tightened in terms of credit amount, loan interest rate and loan term.

Some small banks are "hard to find a loan"

Basic loans will not be paid this month.

The rise in interest rates is second, the problem is that there is no money at all. “The loans that customers applied for during this time, including mortgages and mortgage loans, were basically held back.” A city commercial bank credit source said that we are much tighter than the big banks, and this month’s loan quota has been used up at the beginning of the month. I heard that I have only made a few large mortgage loans, or customers left in May. The loan applied for this month can only wait for the first one or two weeks in July. The amount is estimated to be robbed, otherwise the loan will be in the foreseeable future.

       

The manager of the credit department of another city commercial bank said that the amount of personal loans is indeed a bit nervous. It takes about one week to approve. It takes half a month to complete the mortgage process, and it takes more than one week to make the loan. It takes a month to add up. In order to lend, if this month's loan, the loan will definitely go to July.

Insiders of a state-owned bank pointed out that before the CBRC intensively issued new regulations and carried out financial de-leveraging, the central bank also intended to raise market interest rates and forced banks to de-leverage. Under the squeezing of monetary policy and industry supervision, bank liquidity was tight. , resulting in tighter credit lines. Coupled with the gradual approach of the bank's MPA exam in the second quarter, the liquidity of banks is even more tense, and the cost of capital is getting higher and higher, prompting banks to put more loans into cautiousness, and credit demand is squeezed, allowing institutions and individuals. I feel that loans are getting harder and harder.

Small loan company interest rates rise

Banks are tight, and loans become extravagant. After bank loans hit the wall, some individuals and small and medium-sized enterprises that are eager to use money will choose to turn to small loan companies.

Ms. Jiang, who is doing business in Hangzhou, consulted several banks and felt that the mortgage loan was too slow. She was eager for capital turnover and she found a small loan company in Xiaoshan. Unexpectedly, the other party’s offer really made Ms. Jiang startled. “The annual interest rate is 19%, which is close to 20% compared with the end of last month.”

After that, Ms. Jiang called several small loan companies in succession.If there is collateral, the lowest loan interest rate is 17%, generally more than 18%, which is higher than normal.. pureCredit loan interest rateIt is closer to 30%. The explanation given by one of the company's salesmen is that there is no money in the market, and the bank is short of money. The company's advantages are obvious. With the complete procedures, we can lend on the same day, and the loan interest rate will rise.

Bank “money tightness” also affects the business of some loan intermediaries.

Xiaofan is a salesman of a loan agency, and he is born to get a loan from 1% to 3% of the total amount of the loan. In the past two days, many of his clients have eaten closed doors and their income is almost zero. Xiaofan said that last week, several personal credit loans that I reported to the bank were returned, and the bank did not explain too much. It just said that it could not be approved for a while, and said it over time. Not only that, but many banks with business contacts said that the mortgage loan is tight and needs to wait in line. A few banks have even suspended the mortgage loan business.

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