Recently, news of the increase in the proportion of the first home loan down payment spread in many cities across the country. Yesterday, a mortgage company and banking industry sources revealed to reporters that in Guangzhou, some large banks have increased the proportion of the first home loan down payment to 40%, and some banks have also raised the first home loan interest rate above the benchmark interest rate. In addition, some banks also charge various forms of handling fees to increase profits.
40% down payment for first home loan  Base rate rises by 10%
Yesterday, a person from a mortgage company told our reporter that in Guangzhou, ICBC, Bank of China, Agricultural Bank of China and CCB all required a 40% down payment for the first home loan. This adjustment is a recent change. Yesterday, another insider of a mortgage company also told this reporter that with the Chinese example, the appraisal value of the property will become the determining factor for the down payment. If the appraisal value of the purchased property is high, the down payment can be less than 40%. Between 30% and 40%. But interestingly, only half an hour later, the person also said that the new policy of BOC requires a 40% down payment for the first home loan.
Regarding this change, some people from the Guangdong branch of the state-owned bank told this reporter that they did not increase the proportion of the first down payment for the first set of loans, and still implemented the original standard.
Just half a month ago, it was reported that the first housing loan down payment of the four major banks in Guangzhou had exceeded 30%, and the proportion of each bank was different. The first housing loan down payment ratio of ICBC, Agricultural Bank of China and Bank of China was between 30% and 40%. The ratio is 30%, and CCB's down payment ratio is between 40% and 50%.
The above-mentioned mortgage company said that in addition to raising the down payment ratio, some big banks have recently raised the mortgage interest rate, raising the first home loan interest rate by 10% on the basis of the benchmark interest rate, and the second home loan interest rate by 20% on the basis of the benchmark interest rate. In addition, starting from May, some small and medium-sized banks have also increased the proportion of the first home loan down payment to 40%, and the loan interest rate has risen by 10%. "I expect this to become a trend, and banks may follow this change, even if banks implement different levels of down payment ratios and loan interest rates." The source said.
A joint-stock bank mortgage account manager told this reporter that since this year, the bank's credit limit has been tight. The bank's first home loan interest rate has risen by 10% above the benchmark interest rate for a long time, and the bank's second home loan has basically been implemented. Implementation of the benchmark interest rate rises 20% to 30%, if the customer has a deposit in the bank, you can discount the benchmark interest rate rise by 15%.
Mortgage may still be "tight" Â Handling fees
"Now, there is a great demand for housing loans, the scale of bank lending is limited, and the conditions for accepting business are also improved. The requirements for loan customers' credit records, reputation requirements, and provision of personal information are more stringent." The above-mentioned account manager said that in real estate regulation Under the circumstance, the decline in house prices is not obvious, and the mortgage policy may still tend to "tighten".
"According to the quarterly ratio of loans this year, after June, bank loan quotas may become tighter, and loan conditions will be more demanding at that time." An insider of a joint-stock bank said that in order to increase profits, various banks have done enough to increase business income. . Taking a personal loan as an example, it was revealed that a large bank may raise financing fees in June, from 1% to 2% of the original loan amount. Another medium-sized joint-stock bank charges a “retail quota management feeâ€. The loan interest rate can be as high as 30% of the benchmark interest rate, of which the rising 20% ​​is reflected in the loan interest rate, and the other 10% is charged in the name of “retail quota management feeâ€. This fee may be required to be paid in one lump sum or once a year.
Home improvement installment loans popular zero down payment to attract consumers
"Since the home installment loan, Sichuan's business volume is second only to Shanghai, ranking second in the country, which shows that Sichuan's consumer awareness is very fashionable." A person in charge of Chengdu Construction Bank told reporters.
Today, housing loans and car loans have been deeply rooted in people's hearts. Loan to buy furniture as a trend is spreading inadvertently. In the recent Chengdu Furniture Direct Selling Week, Blues Furniture cooperated with Chengdu Construction Bank to launch a new model of buying furniture with zero down payment and zero interest rate, which attracted a large number of consumers.
As early as 2000, loans to buy furniture began to become a new thing to land on the Chinese furniture market, but compared to housing, car loans, etc., the price space of furniture is a threshold for loans to buy furniture. "Only a few thousand dollars, I used Mortgage to buy? "," If I have no money to buy furniture, I will not buy it. " Dialogues like these are not uncommon.
With the change of consumption consciousness, people began to realize that loans are not made without money. Many people want to try a new consumption method. After an effective personal credit verification system is gradually established, this consumption method is 80%. After 90s, it seems normal.
Did you mortgage the furniture?
According to Li Bing, general manager of Blues Furniture, this model launched by Blues in cooperation with Chengdu Construction Bank is mainly aimed at its customized furniture brand company Benos. Through cooperation with the decoration company and the bank, the decoration company recommends products. After confirming the contract, the company finally places an order.
"I think this model is very good. Under the impetus of the country, consumers dare to spend the money they earn in the future, furniture companies can expand sales, and mortgages are also a good payment method for consumers." Li Bing said, "For enterprises, more customers can be reached in this process, but the risk is zero."
A person in charge of the Chengdu Construction Bank revealed to reporters that installment loans to buy furniture is a brand-new attempt for bankers ’home improvement loans. From the previous color TV and building materials field, it has expanded to the level of furniture for the first time. Consumers have more choices to meet all aspects of customer needs.
He also cited, for example, that your credit limit is only up to 10,000, but if you buy furniture through a home improvement company, you can get a four-fold limit.
It is reported that since the implementation of mortgage loans to purchase furniture in April this year, the people who come to the consultation have been endless. "The response is quite good. In this field, Sichuan's business volume is second only to Shanghai in China, ranking second in the country."
People in the industry believe that through the bundled cooperation of banks, decoration companies and consumers, companies can produce a huge leverage effect: for banks, by expanding the product range, they can generate more profit space, and the bank brings a lot of The customer group can effectively solve the problem of the enterprise's marketing resources. The enterprise does not need to use the business staff to spread the net all over, which is conducive to resource integration. . This approach will be a win-win move.
The post-80s and post-90s generations who have gradually entered the society have advanced and fashionable consumption concepts. Most of them have immature economic conditions, but they do not want to rely on their parents to become nibbled elderly. They have successively entered the "mortgage" era and become the mainstream way of their consumption.
As a forerunner, Meikemeijia started the business of buying furniture without loans in Shanghai, Beijing, Guangzhou and other cities in 2005. The risks it bears are borne by the merchants. This sales strategy has been well received by consumers since its launch. Chengdu, Bank of Chengdu has proposed mortgage buying furniture in the banking industry since 2000, which has changed the consumption concept of Chengdu consumers to some extent.
It is reported that Blues Furniture is the first furniture company in Chengdu to carry out such cooperation with banks.
For merchants, grasping the psychology of consumers can grasp the market.
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