The first week of the implementation of the new housing provident fund policy: the commercial loan interest rate of the first housing in Beijing has not changed, and the number of online signings has decreased slightly
Our reporter Liu Meng
Although the Beijing provident fund policy has flapped its own butterfly wings, it has not been transmitted to the commercial loan field for the time being.
On the evening of September 13, the new rules of Beijing provident fund loans were implemented; Last Monday, the new regulations were officially implemented. The reporter of Securities Daily recently visited a number of banks and real estate agents in Beijing and learned that: in the first week of the implementation of the new housing provident fund policy, the mainstream commercial loan interest rate of the first house was still 10% higher than the benchmark interest rate, some banks rose to 20%, and some banks have stopped lending; The mainstream commercial loan interest rate of the second house is still 20% higher than the benchmark interest rate. At the same time, some bank staff and real estate agents warned that there would be a shortage of credit lines in the fourth quarter of each year, and the lending cycle might gradually extend to more than three months after the National Day holiday.
The commercial loan interest rate of the first house remains unchanged
Around the Mid Autumn Festival, the reporter of Securities Daily visited and consulted many banks and real estate agents in Beijing as a house buyer.
Several brokers told our reporter: "At present, the loan interest rate of the first house has not changed much. It is still 10% higher than the benchmark interest rate, and the loan interest rate of the second house is 20% higher than the benchmark interest rate."
A broker of a large real estate agency in Dongcheng District said: "The loan approval time of the bill handled recently is about ten working days, and the loan granting time is about one and a half months after the transfer, provided that the lender's credit investigation, income and other conditions meet the bank's requirements."
The store manager of one of the above real estate intermediary stores in Chaoyang District warned: "The fourth quarter may be tight, and the loan period is estimated to exceed three months."
In response to the inquiry that some house buyers are worried about "the commercial loan interest rate may rise after the change of the housing provident fund loan threshold", A broker of a real estate intermediary in Haidian District said: "At present, we have not received any notice from the bank, and we have many cooperative banks. Generally, we will choose banks with sufficient funds, fast loans, and low floating degree for house buyers to choose. Unless the bank raises the loan interest rate in a large scale, the adjustment of individual banks will have little impact on the market."
The reporter of Securities Daily also consulted Beijing as a house buyer, including Industrial and Commercial Bank of China 、 bank for economic construction 、 agricultural bank 、 Bank of China 、 Bank of Communications 、 China Merchants Bank 、 Bank of Beijing 、 Bank of Nanjing 、 Everbright Bank 、 Minsheng Bank 、 Shanghai Pudong Development Bank 、 Huaxia Bank 、 Industrial Bank Including 13 banks. Among them, the personal loan managers of 8 banks said that the lowest interest rate of the first home loan was 10% higher than the benchmark interest rate; Three banks indicated a minimum increase of 15%; One bank indicated a minimum increase of 20%; One bank said it would suspend the import of products.
Among the above banks, one bank said that due to business adjustment, it would not accept new incoming parts in the near future, and the loan interest rate shall prevail for the documents that have not been approved in the past and have not been released after approval.
Among the above banks, there are 2 banks that approve the additional conditions for mortgage loans. Among them, the customer manager of a city commercial bank told the Securities Daily: "When applying for a loan, you need to apply for a credit card in our bank. The type of credit card is determined by the customer himself. You can choose not to open the card, but you cannot cancel it recently". The customer manager of a joint-stock bank headquartered in Beijing said: "The applicant needs to apply for a debit card of our bank and deposit a fixed deposit or certificate of deposit of more than 50000 yuan for more than three months."
Among the 13 banks mentioned above, the customer managers of three banks said: "Our bank only cooperates with the real estate intermediary and does not accept individual applications for mortgage loans. Please consult the intermediary for details."
At the same time, some bank account managers reminded our reporter that "the general quota in the fourth quarter will be relatively tight, and the loan cycle is estimated to be longer and longer."
According to the monitoring data of Rong360, in August 2018, the average interest rate of the national first home loan was 5.69%, equivalent to 1.161 times the benchmark interest rate, up 0.35% month on month, up 11.13% from 5.12% in August 2017, which is also the 20 consecutive months of increase since January 2017.
Among them, the average interest rate of the first house loan in Beijing was 5.47%, unchanged month on month, while the average interest rate of the second house loan was 5.9%, unchanged month on month.
The number of online signings decreased after the implementation of the new policy
The Securities Daily reporter checked the statistics of housing stock contracts of the Beijing Municipal Commission of Housing and Urban Rural Development and found that the number of housing contracts returned to stability and decreased after the implementation of the new provident fund policy. Last week (September 17-23), the number of housing contracts totaled 2173, including 306 on September 17, 425 on September 18, 529 on September 19, 449 on September 20, and 402 on September 21, 38 on September 22 and 24 on September 23.
It is worth mentioning that during our reporter's visit to the real estate intermediary, we met many buyers who asked the intermediary for termination. A buyer told the reporter: "When signing the house purchase contract, we agreed on a portfolio loan, of which the commercial loan was calculated by deducting 1.2 million yuan from the provident fund loan. Due to the policy adjustment, the provident fund loan can only be 200000 yuan now. If it is adjusted to a commercial loan, the wage income is not enough to cover twice the repayment amount, so we are worried that the bank cannot approve the loan. At the same time, even if the bank can pass the approval, the repayment pressure is too great. "
Another house buyer asked, "There are three options when signing a house purchase contract. The first is that if the loan is not approved or less approved, the buyer should make up the difference through the special deposit account for settlement of stock house transaction funds three days before the transfer. The second is that both parties can agree to terminate the contract due to force majeure, and the third is to extend one month to apply for commercial loan. I thought there would be no problem with batch loan. I chose the first one. Now what if the seller doesn't give time to transfer to commercial loan? Is the new policy of provident fund caused by force majeure? "
The real estate intermediary is also difficult to give an exact answer to the buyer's consultation, but only said: "The buyer and the seller communicate first, and can't think of other ways to communicate."
Editor in charge: Yang Qun
