? The Securities Daily reporter recently visited a number of banks and real estate agents in Beijing and found that the interest rate of the first home loan of some banks was raised again. As far as the first suite is concerned, the benchmark interest rate has risen by 10%, which currently occupies the mainstream position; A few banks raised the interest rate of the first home loan to the benchmark interest rate by 20% or even 30%; Individual foreign banks can apply for the benchmark interest rate with the lowest interest rate for the first home loan, but foreign banks have higher requirements for the lender's own qualifications and the age of the house they buy.
? loan rate
? Up to 30%
? After the Spring Festival, the Securities Daily reporter visited and investigated many branches of 1 1 bank in Beijing, such as Industrial and Commercial Bank of China, China Construction Bank, Bank of Communications, HSBC, uob, China CITIC Bank, China Merchants Bank, Bank of Beijing, China Everbright Bank, Minsheng Bank and Shanghai Pudong Development Bank. Among them, the personal loan managers of the three banks said that the interest rate of the first home loan was at least 5%; Three banks said the minimum floating rate was 10%, and three banks said the minimum floating rate was 20%; 1 bank indicates a minimum floating rate of 30%; 1 The bank said that the approval is usually 5% higher, and the lowest benchmark interest rate can be approved for high-quality customers.
? Take the great behavior of a country as an example. In a branch in Chaoyang District, Beijing, the personal loan manager said that the first suite would be implemented according to the benchmark interest rate.
? At a joint-stock bank outlet in Chaoyang District, the staff told the reporter: "The first suite will be implemented according to the benchmark interest rate, and the quota at the beginning of the year is not too tight."
? The loan manager of a foreign bank told the Securities Daily reporter, "At present, our bank usually approves the interest rate of the first suite to rise by 5% and the second suite 10%. However, the benchmark interest rate can be approved for the first home loan interest rate of qualified customers (such as central enterprises, state-owned enterprises and high-quality customers of banks). ). At the same time, the benchmark lending interest rate requires the age of the house, which needs to be a house after 2000, and the house with 1990 -2000 needs to look at the location of the house. For customers who are non-bank quality customers but meet the bank loan conditions, they can also deposit regular or wealth management with a term of more than 3 months (including 3 months) of not less than 500,000 yuan, and then they can be approved as the benchmark interest rate. "
? In addition, banks have different qualification requirements for lenders. Take the requirements of a foreign bank as an example. In addition to a good credit report and a monthly income covering twice the monthly repayment amount, the lender also needs to have a college degree or above. Another joint-stock bank requires lenders to be under 55 years old.
? At the same time, the reporter of Securities Daily noticed during the interview that, unlike the previous requirement that the income certificate and the salary flow are indispensable and completely matched, after the Spring Festival, four of the above-mentioned 1 1 banks visited by the reporter no longer need to submit the salary flow certificate under certain conditions, but only need to provide the income certificate.
? Taking the behavior of a certain country as an example, the staff told the reporter: "You only need to provide proof of income if you repay less than 7,500 yuan per month, and you don't need running water. If we comprehensively analyze the ratio of the online signing price to the loan amount, there is another case where the monthly repayment amount is between 7500 yuan and 10000 yuan, and there is no need to submit the salary flow. "
? A staff member of a joint-stock bank said: "If the lender's work unit is a Fortune 500 company, state-owned enterprise, institution, etc. The monthly payment is less than 6.5438 million yuan, or the loan ratio is less than 50% of the online signing price. Only proof of income is needed, and no salary is needed. "
? In a foreign bank, the staff told us: "The unit that is ranked as a quality customer by me directly recognizes the income certificate."
? It is worth noting that another personal bank directly said when consulting with the Securities Daily reporter: "At present, our bank only cooperates with real estate agents and does not accept individual applications. We directly ask the agent the amount and loan cycle. "
? In view of the recent mortgage interest rate situation, the reporter also visited and consulted the real estate agent. A number of real estate agents said: "At present, most of the first home loan interest rates of the banks we cooperate with are based on the benchmark interest rate floating 10%, and some customers have been approved to float by 5%. However, we will remind customers that the chances of the benchmark interest rate being approved are very small, and we hope that customers will not have too high expectations. "
? Shorten the loan cycle
? However, it is gratifying that after the Spring Festival, the lending speed of banks has obviously accelerated compared with the tight quota before. Of the 1 1 banks visited and consulted by the Securities Daily reporter, the staff of 7 banks indicated that they would lend money within 30 days after mortgage. A large state-owned bank has the fastest lending rate. The bank's personal loan manager told reporters: "If it goes well, the loan will be issued on the second working day after the face-to-face signing and the second working day after the house is mortgaged."
? The real estate agent's statement is basically the same as that of the bank. In a number of real estate agents in Haidian District and Xicheng District of Beijing, the staff told this reporter: "It takes about 15 -20 days from face-to-face signing to transfer, and 1 month -2 months from transfer to loan. As the current portfolio loan cycle is relatively stable, owners are more inclined to choose customers with provident fund loans or portfolio loans. "
? In addition, some banks have also set the lower limit of the loan amount. For example, the bank requires a loan amount of not less than 500,000 yuan. At the same time, different banks have different regulations on early repayment, and some banks charge a certain percentage of liquidated damages for early repayment within 1 year. Take a foreign investment behavior as an example. If it is a one-time full repayment, it will be repaid in advance within 1-2 years, and the bank will charge 2% of the principal (minimum 20,000 yuan) as a penalty; For early repayment within 2 -3 years, the bank will charge 1% of the principal (minimum 1 ten thousand yuan) as liquidated damages; After three years, there was no punishment. In case of partial repayment, within 1 -2 years, the bank will charge 2 months' interest on the repayment amount as liquidated damages (minimum 4,000 yuan); After two years, there was no punishment.
? Interest rates on first-home loans have risen in several cities.
? According to the data of Rong 360, the average interest rate of the first home loan in China is 5.43% in 20 18 and 18 months, which is equivalent to the benchmark interest rate11times, compared with 20 17 and/. Compared with last year, the average interest rate of the first home loan in June 65438+ 10 was 4.46%, up by 2 1.75%. Among the 35 cities monitored, the lowest average interest rate of the first home loan is 4.96% in Xiamen and the highest is 5.84% in Zhengzhou.
? According to the incomplete statistics of the Securities Daily reporter, after the Spring Festival, the first home loan interest rates in many regions including Hebei, Anhui, Guangdong, Jiangsu and other provinces all rose to varying degrees: the first home loan interest rates in several key cities rose by 5%-20% at the lowest, state-owned banks rose relatively little, and joint-stock banks rose more.