What is the commercial loan interest rate in Wuhan? What problems should buyers pay attention to in the process of applying for loans? Recently, Bian Xiaoleju conducted a market survey on various issues.
The lowest interest rate of the first home loan is 9.3 fold, and the approval time is mostly one week.
On October 3rd, 65438/kloc-0, the latest policy changes of Wuhan housing loan were as follows: the minimum down payment ratio of the first suite was increased to 30%, and the minimum down payment ratio of the second suite was adjusted to 50%. Subsequently, major banks followed suit.
The increase in the down payment ratio has raised the threshold for buyers, so has the bank loan interest rate been tightened? In this regard, Bian Xiao called several major banks in Wuhan for consultation. Most banks said that the loan interest rate will be determined according to the specific situation of cooperative real estate, but the interest rate of the first suite can generally be 15% off. Among them, CITIC Bank said that the lowest interest rate for the first set of customers can be 9.3 fold. But for the second suite, many banks indicated that the interest rate would go up 10%.
(Tips: How much can I save with interest rate * *? Take the loan of 800,000 yuan as an example)
A 15% discount on total interest can save 43,500 yuan.
A 93% discount on the total interest can save 58,900 yuan.
As for the approval time, all major banks indicated that it would normally take 7- 10 working days to pass the approval. "Many people have delayed the loan approval time because of incomplete information. In fact, if the information is complete, it can usually be approved in one week. " A staff member of a branch in Jianghan District of ICBC said. "The loan amount will not affect the approval speed, because they all follow a fixed process."
However, the person in charge of another commercial bank said that at present, the approval of loans with large internal quotas will be much stricter than before, but the approval and lending of loans with small quotas and monthly payments of less than 3,000 yuan will be much faster.
Lenders can't shop around and can "release water" after passing the qualification examination.
Although major banks will offer different mortgage interest rates, in fact, the vast majority of property buyers do not have the right to "shop around".
Bian Xiao learned that new houses and second-hand houses generally have several fixed cooperative banks. Property buyers can only choose to go to cooperative banks for loans. Most buyers will apply for loans directly from recommended banks, but some real customers think that the practice of new and second-hand houses is too strong.
In fact, for new houses, these are not unilateral mandatory requirements of real estate, and banks are also one of the influencing factors. For example, the customer service of China Merchants Bank made it clear that buying a new house only applies for loans with customers who cooperate in real estate, and does not accept customers who apply for loans themselves.
Second-hand housing customers will have more choices. However, an agent said that buyers generally choose the banks they recommend to handle loans, mainly because banks that cooperate through intermediaries can get lower interest rate discounts than they can handle themselves.
In addition, the above-mentioned second-hand housing agent also said: "For young people who have just graduated, the biggest problem encountered by loans is that their income may not be enough. The bank stipulates that personal running water must reach more than twice the monthly supply. " Is there a solution to this situation?
"You can use your parents' tap water, or spend some money to make a fake tap water, which can be done for less than 2000 yuan. "Can a fake running water certificate pass the audit?" Of course, people in banks can see that, but when we have cooperative banks to do qualification examination, we turn a blind eye. This is an open secret. "
Can I only sleep when I choose the commercial loan provident fund?
"If I choose a commercial loan, can't my provident fund lie on my account and sleep?" Netizen Ms. Wu said that the loan made her very upset. It is understood that the provident fund loan she applied for in June 5438+10 has not been approved yet. During this period, the property consultant who bought the property suggested to her that it should be converted into a commercial loan. However, she has her own concerns about this: "The provident fund pays so much money every month and is not willing to use it. Moreover, the interest rate of provident fund loans is indeed much lower. "
(The above answers were published on 2016-11-14. At present, please refer to the actual situation for the relevant purchase policy. )
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