202 1 when can the March loan and mortgage be released?

1.202 1 When can Bank of Communications lend money in March?

Under normal circumstances, after submitting the application for housing loan, you will receive a reply in three days, and it will be approved in about 10-30 days.

If you need to apply for a mortgage to buy a new house, and the property has obtained a pre-sale certificate, as long as you apply to the bank, the bank will inquire about your credit record from the People's Bank of China. If there is no problem, we will reply to your personal loan application within 3 days, and ask you to submit relevant copies of licenses, income certificates, down payment documents and other materials as required, and sign relevant bank documents and loan contracts.

After collecting all the information, the bank submits it for internal examination and approval, and then goes to the housing management trading center for mortgage registration, which takes about 10 working days. After the trading center issues other warrants (real estate registration certificate issued by the city that implements real estate registration), the bank will lend money within 3 working days.

If you need to apply for a mortgage for the purchase of a second-hand house, apply to the bank and confirm that there is no problem with the credit information, and the bank will confirm the acceptance. It is necessary to conduct a comprehensive evaluation of the house through a third-party evaluation agency and issue an evaluation report in about 3 working days. The bank will then verify the loan ratio according to the evaluation value. If the total down payment of the loan amount is less than the contract amount registered by the housing management trading center, the difference shall be paid before the transfer formalities, and the relevant documents shall be submitted to the bank for future reference. After approval, the bank will issue a loan approval letter. After receiving the loan approval letter, the buyer and the seller go to the housing management trading center to handle the transfer. After the transfer is completed, they will hand over the deed tax ticket and the license notice to the loan bank (if it is handled through a guarantee company, the bank will issue the loan amount to the original owner within 24 hours). The bank will go through the mortgage formalities with the house book, and finally the bank will lend money.

It usually takes about two weeks from the time when the lender submits the materials to the time when the loan is released. Due to the different progress of each institution and the personal reasons of the staff, the loan processing cycle will be different.

Second, 202 1 interpretation of the latest loan policy

Due to economic conditions, anti-inflation and other reasons, most buyers will choose loans to buy a house. The process of buying a house is complicated, and many buyers do not understand various problems in the loan process, such as the loan qualification, repayment method and loan interest rate of provident fund and commercial loans. This article will give you detailed answers from these dimensions. Img src ='-I-qvj2lq49k0/295308f07504 1 bb815450500646t18e' (1) Commercial loan qualification1. Legal and valid identification. For China citizens aged 18 to 65, the longest loan period is 30 years. 2. Good credit report. Generally, "Liansan Liu Lei" 3354, which is overdue for three consecutive months and six times in total, will be considered as bad credit. The more overdue, the worse the credit information, and the greater the possibility of loan rejection. 3. Have the ability to repay the loan principal and interest on time. The monthly expenditure on housing loan repayment shall not be higher than 50% of the monthly income, and the monthly expenditure on liabilities shall not be higher than 50% of the monthly income. In other words, the income must be at least twice the total monthly debt. For example, customer A, monthly car loan repayment 1300 yuan, has no other debt record. Now he wants to buy a commercial house in Shibei District through commercial loans, with a monthly payment of 6,000 yuan. What is the minimum amount of the income certificate issued by Xiao? The minimum amount of income proof is (13006000)2= 14600 yuan. (II) Qualifications for provident fund loans According to the provisions of the Measures for the Administration of Individual Housing Provident Fund Loans in Qingdao, the qualifications for provident fund loans in Qingdao are mainly as follows: 1. Is the property owner of the purchased house; 2. Have permanent residence or valid residence status within the administrative area of Qingdao; 3. Apply for a loan in line with the conditions for housing provident fund deposit; 4. There is a house purchase contract or agreement and relevant certification materials, and the down payment ratio of house purchase meets the specified requirements; 5 have a stable occupation and income, good credit, and the ability to repay the principal and interest of the loan according to regulations; 6. Agree to handle the loan guarantee and related procedures recognized by the provident fund center; 7. The housing purchased by the loan applicant must be the first self-occupied housing or the second improved ordinary self-occupied housing of the family (including the loan applicant, spouse and minor children); Workers' families who have purchased the third and above houses or used provident fund loans twice may not apply for provident fund loans; 8. Neither the loan applicant nor the spouse has outstanding provident fund loans. Employees registered in this city who have paid housing provident fund in different places (employees in four cities in Jiaodong are not subject to household registration restrictions), who meet the above loan application conditions, can apply for provident fund loans to the provident fund center with relevant certificates as required. Img src ='-I-qv J2LQ49K0/4dda9f84f28f4565a7014a87fefc67cf'/img src ='-I-qv J2LQ49K0/04dc93dc43244f0db29cf0f195bc4eF. img src = '-I-qv2 LQ 49k 0/69d 00 BC 76 BD 54 f 95 a7f 2 a 1bf 9 1e 1 db4c '/img src = '-I-qv2 LQ 49k 0/9 ab 6 e 444 dffc 4a 458856 fa 460 b 85 e 66。 (2) Borrower's age: loan term. The borrower is 70 years old. (3) Maximum loan term: The bank loan term is 30 years. Note: The above are the general standards of most banks, and the specific implementation shall be subject to the actual situation of banks. Client B, aged 53, lives in Qingdao and wants to buy a second-hand house in Shibei District through CCB commercial loan. 20 10 loan completed. Please calculate the longest loan period of B. According to the housing age, the building year is 20 10, the housing age is 2022-20 10= 12, and the housing age is 50- 12=38 years (note: CCB requires the bank loan period to be 50 years). According to the customer's age and bank loan policy, the longest loan age of CCB is 70 years old, 70-53= 17 years; Therefore, according to Qingdao's loan policy, the longest loan term of Xiao B is 17 years. Img src ='-I-QVJ2LQ49K0/7B25210CFC 6047FD9F8243E537E4E3'/According to the interest rate data of key banks in Qingdao provided by the branch holding company, HSBC has the lowest mortgage interest rate, with the first home loan interest rate of 5.05% and the second home loan interest rate of 5.30%. Note: The above bank interest rate was charged on April 2, 20231day for reference only, subject to the current bank interest rate. 1, equal principal and interest will add up the total principal and interest of the mortgage loan, and then distribute it evenly to each month of the repayment period. Therefore, the monthly repayment amount of the borrower is fixed, but the proportion of principal in the monthly repayment amount increases month by month, and the proportion of interest decreases month by month. Suitable for the crowd, because the monthly repayment amount is fixed, it can control the expenditure of family income in a planned way, and it is also convenient for each family to determine the repayment ability according to their own income. Therefore, it is more suitable for families with normal spending plans, especially young people whose economic conditions do not allow excessive upfront investment. You can choose this method, and civil servants, teachers and other groups with relatively stable income and job opportunities are also suitable for this repayment method. 2. The average capital will allocate the principal to each month and pay off the interest from the previous trading day to the repayment date. Therefore, the payer pays more interest in advance, and the repayment burden decreases month by month. Suitable for the crowd because the monthly repayment amount is fixed, the interest paid is getting less and less, and the lender is under great pressure to repay at first, and as time goes by, the monthly repayment amount is getting less and less. Therefore, it is more suitable for lenders with strong prepayment ability, such as middle-aged people with good economic strength. Take the loan of 6,543,800 yuan and the planned repayment for 20 years as an example to distinguish the two: (The picture comes from the network and has been deleted) Thank you for watching Qingdao Railway Station of Keholding Co., Ltd. Related questions and answers:

3. What is the current bank loan policy?

The interest of bank loans is calculated according to the interest rate, and the interest rates of major banks are operated according to the benchmark interest rate of the central bank, so the interest of the same loan method in different banks is the same, as long as the loan term is the same! You can submit a loan application online, and you can check your loan progress in 2 to 3 working days (except weekends and holidays)! Click on the online loan application link:/activity/product/creditloan-dashi-lucky-index.html to report the loan fraud and get a cash reward /market/safe/report/index.html? flawcommender=lucyl

Four. 202 1 bank loan lending policy?

First, the mortgage has tightened and interest rates have jumped!

During the epidemic last year, in order to help housing enterprises "get out of trouble", finance and supervision were relaxed. For example, in some cities, the down payment is reduced to 20%, the price of LPR is reduced, and so on. The purpose is to help real estate enterprises increase sales after the sales department is shut down and return to the market as soon as possible.

After the resumption of work, the relief measures for the epidemic have been withdrawn one after another, the monetary policy has also returned to neutrality, and the loan policy has been gradually tightened. By the beginning of this year, various new policies have been introduced to "strengthen" the original property market policy!

For example, strictly check the flow of operating loan funds and the source of down payment. Even if you borrow money from your parents, you should check the bank's running water for half a year to prevent funds from entering the property market illegally!

In some cities, such as Guangzhou, some banks have been crowded with people queuing for loans, and the loan amount is also very tight. They have suspended the connection of second-hand housing loans or suspended the connection of some customers.

With the increasing difficulty of loans and the squeeze of mortgage bills, mortgage interest rates are also rising! Some netizens in Guangzhou reported that the highest local loan interest rate for the first suite has reached 6.5%, which is equivalent to the increase of LPR 185 basis points! Far higher than the policy starting line, indicating that the loan market has been in short supply!

Of course, compared with second-hand housing loans, new housing loans are relatively better! Some banks in Guangzhou said that if customers have loan demand, they are still taking orders normally.

The loan situation in Kunming is also very similar!

I specially asked several cooperative banks today. They said that at present, whether it is a new house or a second-hand house, the loans are normal, and there is no new change in the down payment ratio, but the source of the down payment is very strict! If it is not compliant, the loan is likely to be rejected! The loan interest rate generally reaches 5.6%, that is, LPR plus 95 basis points. Although far below the level of Guangzhou, it has greatly improved compared with last year's 4.9%!

Second, what are the reasons for these situations?

As far as real estate is concerned, I think there are three reasons:

0 1, the direct reason is the tight supply and demand in the loan market!

This is more obvious in big cities such as Guangzhou and Shenzhen!

Guangzhou second-hand housing loan can be said to be "a loan is hard to find"! There are more people buying houses, and the demand for loans is large, but the amount is limited. Most of the money must be invested in the real economy, and less money will be given to the property market.

In this way, the relationship between supply and demand in the loan market will naturally be unbalanced, which will easily lead to tight loan demand, thus increasing the queuing time and pushing up the loan interest rate.

02. The main reason is the tightening of property market regulation!

Since the second half of last year, real estate control policies have been tightened. For example, for the "three red lines" of developers, this is the tightening of financing on the "supply side" of the property market.

After entering this year, mainly after the "two sessions", the "14 th Five-Year Plan" clearly stated that we should continue to practice the spirit of "housing and not speculating"! This means that in the next five years, the tone of the regulatory policy has been clear.

Therefore, after the "two sessions", the Ministry of Housing and Urban-Rural Development began to supervise the housing prices and property market policies in hot cities, and the People's Bank of China also strengthened the regulation of financial policies. As a result, various localities began to tighten control policies one after another, and began to strictly investigate the flow of operating loan funds and the source of down payment.

In this way, the "demand-side" personal loans will be tightened, the lending conditions will become stricter, the lending time will be extended, the number of people waiting in line will increase, and the natural interest rate will rise.

03, the root cause is national competition!

China's economic aggregate is approaching the United States, and it is the only country in the world that is approaching the United States year by year! And Japan and Germany, although growing every year, but the gap with M country is expanding year by year! Therefore, country M thinks we are a "threat"! Must be all kinds of "difficulties"!

There is a bubble in our real estate market!

If this bubble is not solved properly, it may devour the achievements of decades of reform efforts. But as Ren Zeping, an economist, said, our future economy may catch up with the potential speed of M country twice, and there is still room for improvement in our urbanization, so we still have 10 years to "digest" the property market bubble.

However, western countries may not give us such an opportunity! Their attack point is not only Xinjiang cotton, but also how to effectively attack our property market?

Capital means! Hot money comes in to guide, help and use more private funds to blow up the "bubble" and make it burst or make the economy uncomfortable! Blockade or slow down China's economic development, and give the West more time and opportunities to attack!

However, our management is not a vegetarian! As early as last year, the fence was built! There are "three red lines" for developer financing. This year, they will strictly investigate the operating loans, the source of down payment, raise the loan interest rate and increase the sales restriction period, which is to tell them and private funds that may "follow the trend" not to mess around! There was no chance when I came!

Therefore, "stabilizing housing prices" is very important.

Third, just how to deal with it reasonably?

My suggestion has two points:

0 1, don't worry, you can slow down.

The current mortgage policy is very strict. Although it is just needed, it may still be "accidentally injured." We can wait for the policy to pass. New policies are often strictly implemented, and the scale will be looser after the effect of later policies comes out.

02. If you are in a hurry, make your own plans, prepare more information and compare with the bank.

As far as Guangzhou is concerned, some banks say that the current quota is tight, and even this year's quota has been used up. It may not be meaningful to go to such a bank for loans.

You can ask familiar people to see which bank has better policies. Prepare more information about yourself to prove that you really need it and have the ability to repay it. Try to make yourself better so that you can pass the examination and approval.

The above is the whole content of "202 1 mortgage loan policy". Therefore, it is both realistic and possible for hot cities to tighten lending and interest rates this year. The main reason is that policy tightening has led to tight loan demand. It is suggested that friends who plan to buy a house should know the local loan policy in advance, make their own plans, and don't pay the deposit before implementing the loan.