Reporter Peng Yan
"A while ago, I couldn't grab the early repayment quota at all, and I couldn't make an appointment. Now that the quota is released, I finally succeeded in making an appointment on the bank app, but the repayment date has been scheduled for April." A mortgage customer told "Securities Journalist.
The "Securities Daily" reporter noticed that recently, many banks including Beijing, Shanghai, Hangzhou and other places have significantly eased the problem of early repayment of housing loan appointments, but the waiting time does not seem to be significantly shortened, basically still need to wait for two months. more than a month.
Bank optimizes early repayment service
Recently, the People's Bank of China and the China Banking and Insurance Regulatory Commission held a symposium for some commercial banks, requiring commercial banks to strengthen the concept of customer-centricity, protect the legitimate rights and interests of customers, improve service quality, and do a good job in customer prepayment services in accordance with the contract.
A number of banks have issued notices to their branches, requiring them to strengthen the concept of customer-centricity, attach great importance to the protection of consumer rights, respond to customers' repayment demands in a timely manner, improve service quality, speed up the processing of backlog applications, and make advance payments according to the contract. Repayment service.
The "Securities Daily" reporter learned that some banks in the Beijing area have made corresponding adjustments.
Many banks have greatly shortened the waiting time for appointments, and tried to move forward the actual repayment time of customers as much as possible.
A staff member of the personal loan department of a sub-branch in Fengtai District of ICBC told the "Securities Daily" reporter that in the face of customers' demands for early repayment, the bank is actively negotiating the customer's repayment time according to the customer's repayment type.
Judging from the current situation, it is generally necessary to make an appointment with the bank 2 months in advance to repay the loan in advance, while in the past it required 3 months in advance.
At present, if you make an appointment, you will not be able to process the loan repayment until April at the earliest.
In addition, some banks in Shanghai, Hangzhou and other places have also alleviated the problem of too long pre-repayment appointment period.
Taking Shanghai as an example, the queuing time for early repayment of loans by many banks has been shortened to a certain extent.
"Currently there is a quota for prepayment appointments, and it is still necessary to make an appointment with the bank one or two months in advance." A staff member of a branch of a large state-owned bank in Shanghai told reporters.
A personal loan manager of a branch of another large state-owned bank in Shanghai said that for customers who are anxious to repay and have special circumstances, the bank can help solve the problem and arrange early repayment of mortgages.
For details, please consult your loan manager.
In addition to the first-tier cities, a credit officer at a branch of CCB in Hangzhou told reporters that before repaying the loan in advance, an offline appointment registration was required, which required a certain amount of time for approval.
Now that the online quota is open, the earliest appointment can be made in April for early repayment. Previously, the bank's offline appointment for early repayment has been registered until May and June.
Don't fall into the trap of "repaying the mortgage in advance"
The "Securities Daily" reporter noticed that currently, due to the increase in the number of people repaying mortgages early, there are illegal intermediaries that induce borrowers to replace existing mortgages with relatively high interest rates with operating loans with low interest rates, claiming that they can "refinance and reduce interest rates."
Financial regulators have also paid attention to the risks of early repayment and on-lending.
A few days ago, the Liaoning Banking and Insurance Regulatory Bureau issued a risk warning on early repayment or re-loaning, saying that as the state increases support for small and micro enterprises, operating loan interest rates continue to fall, and some illegal "loan intermediaries" appear in the society. On the grounds of "low interest rate", "long term" and "fast lending", consumers are induced to borrow "bridging funds" to settle "mortgage loans" in advance, and then apply for "credit loans" and "business loans" to return the bridge funds, thereby seeking high profits At the same time, consumers will fall into the multiple risks of illegal on-lending, and even bear criminal responsibility.
Yan Yuejin, Research Director of the Think Tank Center of E-House Research Institute, told the "Securities Daily" reporter that the recent increase in early loan repayment operations in various places has also brought impact and pressure on the loan business of commercial banks to a large extent.
Local governments should actively pay attention to such phenomena, especially to guard against financial risks involved.
At the same time, the above-mentioned policies are also very instructive for other cities across the country. At least all localities should actively study the content of early loan repayment in the near future, distinguish between reasonable and unreasonable, compliant and illegal, and further do a good job in early loan repayment. Work.