Over the weekend, a “number of banks have stopped lending” news screen, what exactly happened?
Many banks suspended mortgage loans
The 24th, a big V through the microblogging news, “Guangzhou new policy, personal housing loans accounted for all loans can not exceed the city’s average in 2020.” At the same Time, the vlogger said that in this case, all banks responded by “suspending the acceptance of new loan applications”.
And according to the 21st Century Business Herald, China Merchants Bank Shenzhen Branch, Guangzhou Branch and its provincial branches have been suspended a week ago mortgage loan lending, front-end business level caliber: “abstain from taking orders”.
Everbright has suspended mortgage loans in the Shenzhen area, Guangfa Bank said not to take orders, its cooperation with other banks at present approval, lending is basically normal, from the performance of the big four banks of mortgage loans, lending cycle of about a month, it is more difficult to guarantee.
According to Red Star News, a staff member of Guangfa Bank confirmed that “not ‘stop lending’, is all the banks do not have a loan quota, you have to buy a house loan words only wait.”
Chen manager of Guangfa Bank in charge of local mortgage business said, “Now you can apply for a mortgage, just need to wait.” In response to the above rumors, the manager said, “It’s not that the loans are stopped, but the bank’s loan quota is limited.” The manager explained that “all banks are the same, due to the red line drawn by the state, the amount of mortgage loans can not exceed a certain percentage, once exceeded, you can not lend.”
Manager Chen reminded that it will not be like before, the bank can just issue the loan amount, “the bank’s stock of loans have a red line, can not exceed the proportion of how much, once the excess can not be lent.”
Finally, Manager Chen said, “There is no solution, but to wait. Our bank has no quota for the time being, you can ask other banks.”
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