2015 Bank lending policies or change
Bank loans for a variety of different forms, different loan policies have different regulations, sources say 2015 Bank lending policies, or change, is this at all true?
September 30, the Central Bank announced the mortgage finds the new standard: 1 family homes and closed loan, again apply for commodity housing, considered the first suite.
with 2 or more housing units and has outstanding loans, down payment and loan rates according to borrower solvency, creditworthiness and other factors carefully grasp.
part Bank currently mortgage policy
Bank implementation status
ABC recognize loan not recognize room, first suite down payment 30%, and minimum 95 percent interest rate
Bank recognize loan not recognize room, first suite down payment 30%, and benchmark interest rate
Investment Bank recognize loan not recognize room, first suite down payment 30%, and minimum 90 percent interest rate
ICBC recognize room and recognize loan, first suite down payment 30%, and benchmark interest rate 1.1 times times
Bank of China recognized and recognize credits, down payment on a first home 30%, benchmark interest rates
Bank of communications recognize and acknowledge credit, down payment on a first home 30%, the benchmark interest rate
in successive adjustment policies, Bank lending policies are also evolving, many buyers who are dizzy head.
rules do not drop cases, buyers need to be careful, while the Central Bank has issued documents, but the ground rules as there may be places, buyers cannot rely on intermediaries or bank sale oral commitments to sign the purchase agreement.
avoid follow-up does not relax as imagined, appears unable to loan defaults.
banks can complete due to limited customers considerable turnover, suites currently available loan up to 70%, second-home loans up to 40%;
housing is divided into the first and second sets of two, if buyers are first-time buyers, at the first set of calculations, loan up to 70%, if this is the second time to buy a House, according to two sets of calculations, loan up to 40%;
If people buy second-hand housing age 15-20 years, the Bank generally does not give loans, more than 20 years, you would not be lending. The official said because the age old House too long, if borrowers failed to repay Bank special trouble to dispose of, so stop it altogether.
these are the updated policy on the mortgage this year, we can see that housing loans for this year's policy is that there is a lot of change and, including Provident Fund lending policies as to how the next year, is not known for the time being.