Xi' an many banks cut the interest rate of the first home loan.

At the end of the year, 43 brand-new properties in Xi 'an will enter the market one after another, and the developer's "grabbing war" has started, and the probability of buyers buying their favorite houses will increase. At the same time, the recent slight reduction of mortgage interest rate is a big plus for buyers, but the reporter found that due to the tight credit line, many banks in Xi 'an extended their lending time at the end of the year.

Near the end of the year, the credit lines of some banks in Xi 'an are very tight, and they don't promise the loan time, which makes buyers very anxious. "The bank quota is tight and the loan cannot be approved for a long time. In the past month or so, the transfer formalities can be completed. It's almost two months since lending. " Mr. Zhang bought a second-hand house at the end of September this year. Due to the extension of bank lending time, it is expected that the transfer time will be affected.

In response to this phenomenon, the reporter visited a number of real estate sales departments under Xi 'an Sunac, Vanke and Country Garden Real Estate. Some property consultants said that the bank credit line is really tight at the end of the year, the approval will be stricter, and the lending cycle will be longer than usual, from the previous 1 month to about 2 months. Subsequently, the reporter consulted the personal loan departments of a number of banks in Xi 'an and learned that, according to the usual practice, the credit line was tight at the end of the year, the banks made no commitment to the time of mortgage lending, and the joint loan time for public and commercial enterprises was longer. At the same time, bankers remind buyers and sellers of second-hand housing transactions to make a good time budget and capital budget to avoid disputes and risks caused by slow lending.

Lending time slows down at the end of the year. What is the trend of mortgage interest rate? The reporter consulted a number of banks and learned that most bank mortgage interest rates in Xi 'an have been slightly lowered, and the first home loan interest rate is between 5.3% and 5.45%. "Our previous first home loan interest rate was 5.44%, and now the lowest is 5.3%." The staff of the personal loan department of a large state-owned bank said that since the beginning of this year, the supervision of bank credit funds flowing into the housing market has been continuously strengthened, and the central bank has drawn "three red lines" for high-debt real estate enterprises. Under the background of "housing is not speculation", the real estate financial policy is still tightening. Recently, regulators have asked large commercial banks to reduce pressure and control the scale of real estate loans such as personal housing mortgage loans, with the main purpose of reducing new mortgage loans. "This means that in the future, the personal review of new home loans will be more severe and the lending cycle will be extended to a certain extent."

Reporter Wang He