Under strong supervision, bank mortgage loans are tightened and mortgage intermediaries say there is "another way" for mortgage purchases

Our reporter Peng Yan

  After the rapid expansion of the scale of housing loans, the mortgage loan was alleged that some funds flowed into the housing market, which attracted the attention of regulatory authorities and the market.

Recently, it was reported that with the strengthening of real estate financial regulatory policies, some state-owned banks in Shenzhen and other places have recently tightened the conditions for real estate mortgage loans, and commercial housing mortgage loans have been directly suspended.

  In this regard, the "Securities Daily" reporter visited and investigated and found that in addition to Shenzhen, many banks across the country now claim to tighten the mortgage loan business.

Take Beijing as an example. At present, most banks are still carrying out mortgage loan business normally, but some banks have tightened, mainly reflected in stricter quota allocation, restrictions on commercial mortgage loans, and stricter approvals Conditions restrict business applications.

  At the same time, in order to attract customers, some loan intermediary companies boasted about low-interest loans, and also claimed that they could "operate" to use mortgage loans for house purchases, and smoothly obtain bank loans for those customers who did not meet the loan conditions.

 Some big banks tighten mortgage loan

  Increased compliance requirements

  Since the beginning of this year, many regulatory authorities have issued notices to investigate the illegal inflow of mortgage funds into the real estate market.

In this context, banks in many parts of the country have tightened their mortgage loan business.

  According to the "Securities Daily" reporter, some major state-owned banks in Beijing have tightened their mortgage loan business. In addition to increasing review efforts and slowing down the loan rate, mortgages for commercial shops and apartments in poor locations are strictly limited. Unless you apply for a business loan.

  “Our bank has indeed tightened the processing of mortgage loan business recently, and the interest rate has been raised, from 3.6% at the beginning of the year to the current 4.05%.” An account manager of a large state-owned bank told reporters that the review conditions are becoming stricter , For the "home loan" business with residential houses as collateral, the maximum loan amount can reach 70% of the assessed price, while the amount of apartments and shops as collateral is relatively low, up to 50%.

  The above-mentioned account manager also said: “If you apply for apartments and shops as collateral, we will not do this business unless there is a company under the client’s name. Moreover, our bank will designate a guarantee company to evaluate the collateral. The loan period is 1 year. It can be renewed under specific circumstances."

  In fact, most real estate agency sales staff also recommend using ordinary houses for mortgage loans. The verification conditions for commercial shops are relatively strict, and bank loans are difficult to obtain.

Especially since the beginning of this year, the business operation of shops has been sluggish, the risks have been greater, and bank control has become stricter.

  During the interview, the reporter learned from the account managers of several banks' credit business that due to the mortgage loan business, the supervision clearly stipulates that it can only be used for consumption or business, and cannot be used for other investments.

Therefore, in addition to strengthening the review of capital flows, some small and medium-sized banks have even suspended personal housing mortgage consumer loans.

"The regulatory authorities have strictly checked the authenticity of the use of'mortgage loans', especially for consumer loans." The relevant person in charge of a joint-stock bank branch told the "Securities Daily" reporter that VAT invoices must be handed in as a voucher before approval. The bank calls the third-party account in the form of entrusted payment, and later the bank will monitor the flow of funds from time to time to ensure that the funds are used for loan applications.

  A customer manager of a city commercial bank told reporters: “Our bank has suspended the personal housing mortgage consumer loan business. Due to regulatory restrictions on the use of this type of loan, it is difficult for banks to monitor the specific destination of funds after the loan. Many customers say Failure to meet the requirements often results in the failure to release loans, so this type of business is cancelled."

  At the same time, the strict review conditions are also reflected in the fact that banks are more "picky" in their customers, and they are more selective in their choices, and customers with ordinary qualifications may not be able to obtain loans.

According to the reporter's understanding, state-owned banks only accept real estate that has settled mortgage loans, and some small and medium-sized banks can accept unsettled real estate as a "second mortgage", but the amount of loans has declined.

  "The screening criteria include personal credit verification, house verification, liquidity, market evaluation prices, etc. In actual processing, customers with higher house liquidity and better company income are selected." Most bank account managers told reporters.

  In addition, "slow lending" is also common.

"If it goes well, it will take 20 working days at the earliest, and about one and a half months if it is slow." Account managers of several banks told reporters.

Some real estate agents also said:

  "Previously, it only took 15 days to complete the loan. But as the banks tightened their policies, it will take at least two months for the loan after all the procedures are completed."

  The bank explained that in the fourth quarter, housing loan quotas were tight, leading to slower lending in the near future. In addition to being affected by bank funding shortages at the end of the year, recent regulatory requirements have to cooperate with real estate control policies to control the placement of housing loan quotas, so housing loan approvals are more stringent. .

 Mortgage intermediary claims

  "Another way" to buy a house with mortgage loan

  A real estate agency told the "Securities Daily" reporter that as long as the real estate is real, the company's situation, company flow, and upstream and downstream contracts can be "fully handled" and will charge 3%-5% of the loan amount as a service fee.

The above-mentioned intermediary also introduced to reporters this kind of "removing flowers and trees" operation process: customers apply for loans from banks through business loans, and banks use entrusted payment methods to transfer the loan funds into the cooperating third-party public accounts (the third parties can find their own Or provided by an intermediary company), and then transferred to the designated personal account, and finally evaded the bank's review by cash withdrawal, which is not easy to be found in the later investigation.

  It is understood that most banks set a mortgage ratio of 70%, and banking financial institutions do provide lower interest rates for high-quality customers, ranging from 3% to 4%, and the financing scale with a maximum amount of 10 million yuan is most banks. The loan limit of

The promotion advertisements of small loan companies are quite high-profile.

The "Securities Daily" reporter noticed that in order to attract customers, some companies boasted about low-interest loans, and said that 80% to 90% of the valuation of mortgage loans can be raised to 30 million yuan.

However, in the actual operation process, it is not as the company's original "promise", and even small loan companies and other third parties have interest rates of up to 10% or more.

  A staff member of a financial outsourcing company told reporters: "Our company has cooperation with banks, which can help customers match the right bank with a minimum annualized interest rate of 3.85%." However, after the reporter had a thorough understanding of the entire process of the loan, he found that, In fact, there is no such situation.

When the reporter asked about the interest rate several times, the above-mentioned staff changed his previous statement and said: “Although the annualized interest rate of 3.85% can be applied for the residential housing loan, the principal must be repaid every year; if it is a commercial housing loan , The loan interest rate is 8.5%-10%, 30% or 3.5% of the valuation of loanable real estate."

 Personal mortgage tightening

  There are two reasons

  In recent years, the regulatory authorities have been very strict in monitoring bank mortgages.

With the recovery of real estate sales in various regions, the scale of housing loans in some banks is still growing, and the regulatory authorities once again issued requirements to control the scale of housing loans, which also indicates that the trend of "strict supervision" on real estate financing remains unchanged.

  In April this year, regulatory authorities in many places issued notices to investigate the illegal inflow of real estate loans into the real estate market.

At the same time, some large banks have been notified that the regulatory authorities have recently required large commercial banks to reduce pressure and control the scale of real estate loans such as personal housing mortgage loans. Many large banks’ new housing loans accounted for less than 30%.

  Yan Yuejin, research director of the Think Tank Center of E-House Research Institute, said in an interview with a reporter from the Securities Daily that the starting point for the tightening of mortgage loan business may be that the bank's quota began to tighten this year.

In the case of tightening, such loan business will be tightened.

Objectively speaking, including the previous operating loan incident in Shenzhen, it shows that loans are under pressure. At least it shows that the loan level also needs to pay attention to the general direction of regulation, not to lend blindly, and to prevent illegal use of funds or flow into the real estate field.

Subsequent similar stringent policies will objectively contribute to the stability of transactions and prices in the real estate market.

  Regarding the reasons for the tightening of personal mortgage loans, people in the banking industry said that it appears to be mainly in two aspects: the financial supervision in the fourth quarter has been upgraded, the financial environment has become tighter, and the financing pressure of real estate companies has increased; The loan quota has been issued in excess, and the current remaining quota is insufficient.

(Securities Daily)