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Newest mortgage loan rankings How to buy a bank loan in 2018?

Time: 2018-01-10         Source: Rong 360 original         Author: Sailor Moon

360 financial monitoring data show that in December 2017, the average interest rate for the nation’s first home loan was 5.38%, equivalent to a benchmark interest rate of 1.09 times, which was a month-on-month increase of 0.37%; the average first-home loan interest rate for the previous December was 4.45%, an increase of 20.89%. Among the average interest rates for the loans of the first-tier houses in 35 cities monitored by 360, the lowest value in this month was 4.96% in Xiamen, and the highest value was still 5.77% in Zhengzhou.

  Banks' interest rates have skyrocketed and their lending capacity has been divided.

Among them, among the 533 banks in 35 cities across the country, the loan rates for the first suite of 441 banks were unchanged from the previous month, accounting for 82.74%. In addition, a total of 47 bank branches (branches) suspended the acceptance of the first home loan business, which reduced the number of bank branches (branches) by 9 compared to the previous month.

At the end of the year, the momentum of the bank's floating mortgage interest rate has slowed down. In January, new credit lines were allocated to temporarily address the needs of some people waiting in line for loans. However, since 2017, it has become increasingly difficult for banks to absorb deposits. Deposits can reflect the ability of a bank to reserve funds. Under the trend of tightening the credit industry as a whole, the division and competition among banks have become increasingly apparent.

According to the data of the Central Bank, the amount of deposits of large Chinese-funded banks is significantly higher than that of Chinese-funded small and medium-sized banks, and the amount of deposits of the four largest banks across the country is also relatively high. That is to say, Chinese-funded small and medium-sized banks are under greater pressure to absorb deposits and are facing credits. The problem of deficiency is also more serious.

  2018 mortgage interest rates still have room to rise

Throughout the past year, mortgage interest rates have steadily increased. Compared with the first-tier cities in the north, Guangzhou, Shenzhen, Nanjing, Wuhan, and other second-tier cities, the rate of increase has been even greater. According to financial statistics, the interest rates of the above three cities have risen to a level 15%Melt 360 HouseAccording to fangdai123,It is very likely that other cities will follow up this year. At the same time, as the overall credit policy tightens, the cost of lending to homes will increase, and the policy differentiation between banks will become more apparent.

The average interest rate of the first mortgage loan in the country in the past year

  Source: Financial 360 Big Data Institute

Just as interest rates have risen by 10% and they have risen by 15%, some specific implementation standards, such as loan thresholds and lending rates, will also show differentiation.Banks will independently adjust loan interest rates according to their own business lines and profit conditions, and more specifically select high-quality customer loans. Even if you have good credit records and income standards, interest rates may change before the record is completed.

For buyers, it is very important for banks to buy home loans at this time. In the future, buyers are advised to look at these four points:

  1, look at mortgage interest rate incentives

Selecting banks need to look at mortgage rates first. Now that interest rates have generally increased, mortgage interest rates in December rose by more than 20% year-on-year in 2016. Preferential discounts are already extremely precious, interest rates are low, interest rates are low, and savings are real money.

  The list of the national average rate of the first house in December is as follows:

  2, see the loan threshold level

Low interest rates are on the one hand. Note that the low interest rates mentioned here are only relatively speaking, and banks with interest rates lower than 5% are even lower. However, obtaining low interest rates must also satisfy certain conditions. For example, some banks require quality customers to obtain lower interest rates, among which quality customers may be requirements for the borrower’s work unit, income, or a bachelor degree or above, and some banks are used Housing age is limited, such as the maximum age of second-hand housing can not exceed 20 years, there are strict bank requirements can not exceed 15 years, there are requirements can not exceed 10 years. Therefore, it is important to look at the bank's threshold for loans.

  3, see the loan rate

The second is the speed of bank lending. After submitting materials, bank approvals and lending will take a certain amount of time. Many buyers report slow lending, remember that a netizen had to sell the old house for a new house, and the buyer who bought his house applied for in July last year. Mortgage, the loan has not yet come down in October, he can not get the house back payment can not pay the new house, can only pay with relatives and friends to pay the money, such as the November buyer's loan is repaid after the repayment paragraph. Slow lending has become a major problem for home buyers. Waiting for 3 months to be short and lending within 1 month is a big thank you.

  4, see the way to adjust interest

In the past year, the central bank’s interest rate hike forecast has continued. The most direct effect of the most interest rate hike on interest rates is to increase the monthly supply and increase the total interest rate. The specific implementation of the bank depends on the loan contract requirements signed with the bank. Adjustment method:

  One is monthly adjustmentIf, for example, the house was bought in June 2015 and the central bank raised interest rates in October last year, then the monthly payments will be calculated based on the new loan interest rate from November.

  The second is annual adjustmentAlso known as the “adjustment the following year”, such as the house bought in June 2015, and the central bank raising interest rates in October last year, then the new interest rate will be calculated from January 1, 2018.

  Third, adjust the loan after one yearFor example, the house bought in June 2015, the central bank raised interest rates in October last year, only to wait until June 2018 to calculate according to the new interest rate.

  Fourth, fixed interest ratesThis means that when signing a contract, it is stipulated that no matter whether the central bank raises interest rates or lowers interest rates later, it will continue to execute interest rates written according to the contract. If interest rates are raised, then interest rate cuts will not be enjoyed if interest rates are reduced.

At present, most of the bank's mortgage contract defaults to the second adjustment method, that is, adjust it annually. When selecting a bank, you should also pay attention to the regulations on the way of adjusting interest rates.

Next, if the interest rate continues to rise, buyers will either accept the float, or give up the purchase of commercial housing, choose long-term rental or shared-property housing, the economic strength is stronger, and the purchase of houses will become increasingly fierce.

Dozens of cities, hundreds of banks, all loan interest rates, all in the "find 360 housing" (fangdai123) public number, click on the menu "buy house tools", with the best interest rates, buy the most favorite house.

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