The Property Market Is Light And Hard To Cash In &Nbsp; Mortgage Loans Become A Protagonist.

Recently, a bank has launched the "[0.94 1.08%]" consumer loan business in some cities. Customers provide unsecured commercial housing, and banks specify professional institutions to conduct property appraisal and apply for mortgage applications.

After applying for approval, the bank adds a credit amount to the customer's savings card, and then consumes the shopping in the designated bank merchant's credit card overdraft.

Mortgage consumer loans

In many real estate agents' solicitation columns, apart from "boutique housing",

"Intermediaries usually earn money by means of information superiority. Some customers want to sell their real estate to get cash, but now there is no market price, no one will take up the market.

So they recommend mortgage consumer loans and earn about 1% of the Commission.

Mr. Kong, a credit officer of a joint-stock bank, told the China Times reporter.

Ms. Chen, who manages home furnishing textiles outside the city, is more upset recently.

The dismal trading volume so far this year has led her to seek pformation and take another road to finance.

"Every month we earn enough to pay the store rent.

I want to sell the two houses in my hand to a restaurant, but no one will buy it.

Ms. Chen regretted not having sold the excess property in her hands in 2010.

Ms. Chen said,

Ms. Chen's case has been confirmed in the Credit Department of banks. The current Department of credit of the joint-stock bank said that their current business is mainly the property mortgage consumer loan business, and the proportion of mortgage loans is very small.

The volume is there.

If we have to wait for the mortgage loan business, we will lose our income this year.

Mr. Kong said in a teasing manner.

Beijing Urban Construction Commission website data show that as of March 12th, the number of contracted apartments for new housing in Beijing was 12 thousand sets, and the number of secondary housing housing contracts was 11 thousand and 800 sets, totaling 24 thousand units, representing a decrease of 27.7%, 67.3% and 54.7% respectively.

The average price of new residential buildings decreased by 15.2% over the same period last year.

Ms. Chen said that according to the current situation, selling houses is almost impossible.

"Maybe it's time to make mortgage loans. It's not easy to do business this year. It's very difficult to find friends."

Reporters on the far seeing property of Da Wang Road Wanda Plaza learned that at present, they prefer the recommended mortgage consumer loan banks are generally ICBC, China Merchants Bank and standard chartered three.

"Because efficiency is high."

Borrowing costs "pressure mountain"

"The interest on the bank is too high. A bank gave me a credit limit of 50 million, and I returned it with a 20 million quota. The president was not very happy."

Zhang Zhang, who runs the Luqiao project in Fengtai science and Technology Park, sighs, "the money of the bank is not easy to use."

For most small and medium-sized enterprise owners, the cost of real estate mortgage loan is not low.

Take the bank loan of 5 million yuan as an example, the customer will not only have to bear the interest rate of 10% to 25% of the benchmark interest rate, but also have to pay 2% of the loan cost to the Guarantee Corporation.

The service charge will be 100 thousand yuan.

"The average interest rate on mortgage consumer loans is now around 8.178%."

Li Ying, a Guarantee corporation loan consultant, told reporters that "if we exceed 5 million, we can only take loans from enterprises and raise interest rates to 8.34%."

In the bank, only unsecured commercial housing can be used to make mortgage consumer loans. In Guarantee Corporation, even in mortgage commercial housing, it can also borrow money.

"Our way of doing this is to help you advance the loan, pay off the mortgage loan, and then apply for a mortgage loan."

Li Ying said that there are many successful cases in this method, and customers need not worry about risks.

"We need to charge 3% of the cushion charge a month.

For example, 2 million of the advance, 60 thousand yuan to the Guarantee Corporation in one month. "

Li Ying said that Guarantee corporation generally recommended that the loan period of mortgage consumer loan customers should be 10 years. "Because the long loan is short, the bank will not accept liquidated damages."

In fact

No more, no more.

Guo Pengfei, manager of Huabao Xingye new industry [0.83 2.01%] fund manager

The recent quotation is a bit unclear.

Since mid February, A shares have been rising steadily amid numerous brokers' strategies and buyers' continuous watching and questioning.

Whether the rise or duration, the current round of rebound is the most in the past year.

When the market began to rise in January, analysts from various schools thought that it was only a short-term rebound, and the two quarter would be further low.

But the market is walking slowly in hesitation.

Before mid February, technical analysts all agreed that the 2350 point is the important resistance point of the Shanghai stock index [2404.74 1.30%], which is bound to have a big callback. Analysts agree that the economy will continue to bottom out after easing expectations, and the broker strategist agrees that it is necessary to withdraw at the beginning of March.

However, the market does not pay attention to all this.