Guangzhou mortgage discount did not tighten, mortgage concessions fell to a new low-chompoo araya

Guangzhou has tightened mortgage preferential mortgage lending fell to a new low [Abstract] prices rise, also recently reported that Guangzhou some bank interest rate discount has been tightened, some customers in order to apply a lower discount. Bank: Guangzhou prices more rational, to expand personal loan prices warming, there are Hefei, Nanjing, Wuhan and many other city have to tighten mortgage policy, increase the proportion of individual housing loans shoufu. Recently, there are also reports that some banks in Guangzhou have been tightening their interest rate discounts, and some high-quality customers can apply for a lower discount. New express reporter yesterday to a number of banks and mortgage companies to verify, both said that there is no sign of tightening Guangzhou mortgage. Banks said, Guangzhou housing regulation rational, to increase the strength to do personal loans. However, for the future mortgage trend, there are agencies that the end of Guangzhou’s banks tightening mortgage will become a probability event. – the new express reporter Li Hua "tightening" is just promotions recently, rumors about the mortgage four, displayed in a picture of WeChat thermal circle of friends, "the end of a huge loss of bank deposits, the loan amount is highly tight lead, most banks have announced in November to suspend lending, the bank will also be able to loan in the near future to raise the access threshold." Even media said, "some of the bank interest rate discount has been tightening, some quality customers can apply for a lower discount."." Guangzhou mortgage interest rate concessions are tightening signs? New express reporter yesterday to the bank for confirmation. "It’s just a medium of promotion." A bank staff told reporters, "temporarily no signs of tightening."". The bank said that mortgage lending and loan scale degree is related, if the credit scale is restricted, preferential will tighten, but is not the case at the moment. A good mortgage companies related personage also told reporters: "no Guangzhou, because other cities limited loan and tightening mortgage signs."." The bank also told reporters that the bank has to increase efforts to put the Guangzhou mortgage, because Guangzhou is the purchase of the city, housing prices more rational, with the "release the two child policy brought the wards demand, banks are optimistic about the property market in Guangzhou. For the threshold problem, he also said that unless the applicant’s credit record flaws, otherwise the bank’s first mortgage interest rate is 15% off discount. Mortgage lending fell to a new low of 360 financial analysts also said that Guangzhou did not appear the tightening of mortgage or mortgage interest rates higher, on the contrary, Guangzhou this month the first mortgage average interest rate fell to a record low, reaching 4.02%, equivalent to the implementation of interest rate 18% off. In 23 banks 360 financial monitoring, 18 banks can give 15% off interest rate concessions, become the main trend of the market; the biggest discount is HSBC, the first suite loan interest rate highest can enjoy 20 percent off discount. It also shows that in the background of the hot property market, the mortgage business has gradually become the banks in the eyes of the meat and potatoes". Financial 360 is expected, the national mortgage interest rate will remain stable, the bottom shape is obvious. Bank gold research center senior researcher Xia Dan said.

广州房贷优惠未见收紧 房贷优惠降至新低 [摘要]房价升温,近日也有报道称,广州一些银行利率优惠折扣已在收紧中,一些优质客户才能申请到较低的折扣。银行:广州房价比较理性,要做大个人贷款房价升温,目前已有合肥、南京、武汉等多个城市相继收紧房贷政策,上调个人住房贷款的首付比例。近日也有报道称,广州一些银行利率优惠折扣已在收紧中,一些优质客户才能申请到较低的折扣。新快报记者昨日向多家银行及按揭公司求证,两者均表示,并未见广州地区房贷有收紧迹象。有银行反而表示,广州房价调控得理性,要加大力量去做个人贷款。不过,对于后市房贷走势,有机构表示年底广州的各家银行收紧房贷会成为大概率事件。■新快报记者 黎华联“收紧”不过是促销手段近期,关于房贷的各种传言四起,在微信朋友圈热传的一张图片显示,“年底银行存款大量流失,导致贷款额度高度吃紧,多数银行已经宣布11月份后随时暂停放款,能放款的银行也将于近期抬高准入门槛。”甚至有媒体表示,“一些银行利率优惠折扣已在收紧中,一些优质客户才能申请到较低的折扣。”广州的房贷利率优惠是否有收紧迹象?新快报记者昨日向银行进行了求证。“这不过是一些中介的促销手段。”一位银行工作人员告诉记者,“暂时未有收紧迹象”。其表示,银行房贷优惠程度是和贷款规模相关的,如果信贷规模受到限制,优惠就会收紧,但目前暂时是没有这种情况。一位良策按揭公司的相关人士也对记者表示:“未见广州因为其他城市限贷而有收紧房贷的迹象。”上述银行人士还对记者表示,其所在银行反而要加大广州房贷投放力度,因为广州属于限购城市,房价调控得比较理性,随着“二孩”政策的放开带来的换房需求,银行看好广州地区的楼市。对于门槛问题,他还表示,除非申请者的信用纪录有瑕疵,否则其所在银行的首套房贷利率就是8.5折优惠。房贷优惠降至新低融360分析师也表示,广州并没有出现房贷的收紧或者房贷利率走高的情况,相反,广州本月的首套房贷平均利率降至历史新低,达到4.02%,相当于执行利率的8.2折。在融360监测的23家银行中,有18家银行都可以给出8.5折的利率优惠,成为市场的主流趋势;优惠幅度最大的是汇丰银行,首套房贷款利率最高可以享受8折的优惠。这也反映出,在楼市火爆的大背景下,房贷业务已逐渐成为各家银行眼中的“香饽饽”。融360预计,全国房贷优惠利率将会维持平稳状态,底部形态明显。交行金研中心高级研究员夏丹表示,目前房贷利率优惠已近极限,8月全国首套房贷款平均利率4.44%,为近两年来的首次停止下降;二套房贷款平均利率为5.39%,已连续9个月持平。“银行或从抢房贷市场转为吸引优质客户,房贷政策趋于稳定,注重防止金融风险。”“对于各家银行来说,由于现在市场的主流利率折扣已经是非常优惠了,银行实际上能够给优质客户的让利空间已经十分有限了。”融360分析师对记者表示:“虽然目前广州的首套房贷利率达到历史最低,但是这种现象并不可能长期持续。”该分析师认为,根据以往经验判断,各大银行普遍会在年尾收紧房贷,在今年楼市持续火爆的状况下,各家银行的房贷额度想必也都所剩无几,所以在年底广州的各家银行做出收紧房贷的做法也会成为大概率事件。上述按揭公司人士也认为,“现在快进入第四季度,有一些银行会视本年完成贷款任务的情况而定,或许会相对调高借款人的贷款门槛。”不过,有银行人士表示不同意见,其预判未来不会有太大变化。因银行对房贷政策的调控主要是依据政府政策和市场风险,广州地区的市场风险较小,因此除非中央有新的政策,否则广州地区的房贷不会有变化。相关的主题文章: