According to the news, some banks have completely stopped lending since165438+1October 20th! Friends who want to buy a house will either start to apply for a loan before this, or wait until March next year.

Affected by the central bank's five interest rate cuts during the year, a large amount of bank deposits were lost at the end of the year, resulting in a high degree of loan quota. Up to now, most banks have announced that they will suspend lending at any time after June 1 1, and banks that can lend will also raise the entry threshold in the near future. Please prepare in advance and plan ahead!

According to the news, some banks stopped lending completely from1October 20th. 165438!

In 65438+February, the bank entered the year-end reserve impulse;

On June+10, 5438, the bank made a good start, and its main job was to collect deposits;

February bank holiday;

Bank lending returned to normal in March!

Some banks stopped lending on June 5438+065438+ 10. Although the amount of bank loans was relatively limited at the end of the year, some joint-stock bank outlets indicated that they could lend money to loan applicants as soon as possible, but small-scale loans could not be made until June 5438+ 10 next year at the earliest.

Some buyers who are in the loan stage said that they have informed several banks that it is not good to lend money at the end of the year, so they can only go through the formalities first. The business staff of a business outlet of Industrial Bank said that as long as the property developer selected by the buyer cooperates with the bank, and the buyer meets the loan conditions and provides complete information, the developer can borrow money after the record is complete, but it will not be released until early next year.

The difficulty of buying a house loan at the end of the year may increase.

According to a credit business person of Industrial Bank, as long as the house the customer chooses to borrow is a real estate agent who has signed a cooperative relationship with the bank, he can go through the formalities for the customer after reviewing the customer information. According to the reporter, it is the first suite. After verification by the Housing Authority, the interest rate standard for reporters is 10% based on the benchmark interest rate of 6.55%.

According to the interview, domestic big banks tightened their lending ahead of schedule, and some even stopped lending in June 165438+ 10. According to the staff of the joint-stock bank Industrial Bank, on the 6th of this month, the bank began to inform that some loans were not allowed to be issued, and most of the loans may be suspended by the 20th.

We know that there are many reasons for the tightening of the loan quota at the end of the year. For citizens, the increase in enthusiasm for withdrawing money at the end of the year and the relative decrease in deposits have caused a shortage of loans to some extent.

Seize the opportunity to buy a house

No loans now, no money to borrow at the end of the year! For non-full customers, please arrange the purchase time when purchasing the house. With RRR's interest rate cuts at the end of the year, it has become the last chance to buy a house in a year. Appropriate area, building, apartment type and price are several key factors that affect customers' purchase at the end of the year. And many customers also earn profits because of some marketing methods of developers at the end of the year, and they don't know what kind of property to choose.

Undoubtedly, buying an existing home now is the most affordable and cost-effective. The guide to buying a house also sorts out the loan policies applicable to different situations of buying a house, hoping to help you buy a house.

Loan policies applicable to different housing purchase situations:

One: the purchaser (family as a unit) buys the first set of housing; Or I have a suite in my name, and the mortgage has been fully settled, and then I buy a second suite:

Pure commercial loan, 25% down payment and 75% loan. The interest rate is based on the benchmark, which is 4.9%.

If it is a pure provident fund loan, the down payment is 20% and the loan is 80%. The benchmark interest rate is 3.25%.

Provident fund+commercial portfolio loan, 25% down payment, 75% loan, interest rate as benchmark.

Two: the buyer has a suite under his family name, and the commercial loan has not been settled before buying a house;

Pure commercial loan: down payment 40%, loan 60%, interest rate floating 10%, that is, 5.39%.

Pure provident fund loan: down payment 30%, loan 70%, benchmark interest rate 3.25%.

Provident fund plus commercial portfolio loan, 40% down payment, 60% loan, part of commercial loan floating 10%, that is, 5.39%, and the benchmark of provident fund part is 3.25%.

Three. If there are two or more loans under the name of the purchaser's family, or the loans have all been settled, the purchaser can purchase the house:

Pure commercial loans can be based on the first set of benchmark interest rate of 4.9%, down payment of 25% and loan of 75%.

Four: the purchaser has two or more houses under the family name, and if one of them has not settled down, then buy a house:

With commercial loans, according to two sets, 40% down payment, 60% loan, interest rate 10%.

Five: if there are two or more houses under the name of the purchaser's family, and the loan is not settled, you can't buy a house again.

If you only plan to buy a suite during the repayment period, then provident fund loan is the first choice. At present, the interest rate of provident fund loans is 2.75% for less than five years (including five years) and 3.25% for more than five years; The commercial loan interest rate is 4.9%. Taking the loan of 600,000 yuan as an example, if the principal and interest are matched for 30 years, the interest of provident fund loans is nearly 200,000 yuan less than that of commercial loans.

If you plan to buy another suite during the repayment period, then the first suite will give priority to commercial loans, and the second suite will use provident fund loans.