2020 Nanning District Bank payroll statement agent! Easy access to * and loans!

2020 Nanning District Bank payroll statement agent! Easy access to * and loans [Dianwei Tong No
138-2229-4898] we are the largest professional company in Nanning to handle bank to public accounts
Since our company was established in 2002, our business has spread all over the country
We have many years of Recently, the reporter visited more than 10 banks in Yongcheng and found that after understanding the current housing loan policy, the housing loan interest rate of many banks rose, which also increased the loan pressure of some rigid demand home buyers
[loan situation]
First suite:
The handling of loans is relatively smooth
　　“ The procedures for handling housing loans are not very troublesome& rdquo; Just in China Railway & middot; Bai * * * who bought a house in Shanyu city told reporters, & ldquo; Real estate has cooperative banks to handle mortgage, as long as they provide the certificates required by the bank& rdquo; Some developers also said that the amount of bank mortgage is limited, and it is difficult for customers to designate banks to handle it
Therefore, real estate will cooperate with banks with loan amount
As long as buyers meet the conditions, they can handle the mortgage business smoothly
The account manager of the Agricultural Bank of China told reporters: & ldquo; The mortgage of first-hand house is not so complex
As long as the certificates and certificates are complete and the credit in the bank is good, there is generally no problem& rdquo;
Second suite:
Higher interest rate and greater repayment pressure
The reporter visited more than 10 banks such as Bank of China, China Construction Bank, Bank of communications, industrial and Commercial Bank of China, China Merchants Bank, Shanghai Pudong Development Bank and Liuzhou bank
He learned from the bank credit center that the first set of first-hand house loans has a down payment of 30%, and the loan interest rate is basically 5% ~ 10%

　　“ The down payment for the second house is 60%, and the interest rate rises by 15% ~ 20%& rdquo; The staff of the Credit Department of the Bank of China said
Shanghai Pudong Development Bank and China Construction Bank also said that the loan interest rate of the second house rose by 10% ~ 20%, and some banks rose by 30% ~ 50%

Ms
Liu, who is planning to buy a second house, believes that the interest rate rises by 15% ~ 20%, and the loan repayment pressure is really great
If it is a large house, the monthly supply of houses will increase a lot

Second hand housing:
The loan review is very strict
Many citizens reflect that the current examination and approval of second-hand housing loans is relatively strict, and the time of lending is relatively long& ldquo; I went to the bank and asked
The staff asked me to apply first
It's hard to say whether the loan can be issued& rdquo; Mr
Liu, a citizen, told reporters that he purchased a second-hand house with an area of more than 90 square meters, but it was obviously difficult to handle the loan
Mr
Liu said: & ldquo; Not to mention the benchmark interest rate of citizens, even if the interest rate rises by 10%, whether the loan can be approved is still a problem, let alone any interest rate concessions& rdquo; Many citizens said that it is difficult to handle second-hand housing loans
In this regard, bank staff said that at present, this phenomenon is relatively rare, unless there is a credit problem, so buyers don't have to worry

　　“ For second-hand housing loans, the approval process is very complex& rdquo; Citizen Zhang * * * feels the same, & ldquo; We should not only issue wage and income certificates and * accounts, but also require that the income level should not be too low, and the proportion of loans should refer to the housing supply
In addition to the housing age, we should also look at the nature of the housing supply, whether it is housing reform housing, affordable housing or commercial housing& rdquo;
[account settlement]
The interest rate rose by 5%, and the loan of 500000 yuan was repaid more than 20000 yuan
　　“ I was too anxious to buy a house
I didn't have time to consult the staff of the bank
When I went to apply for a loan, I knew that the interest rate would rise by about 10%
It's much more and a lot of money& rdquo; Mr
Hou, who is approaching the wedding date, said: & ldquo; It's impossible not to buy a house, but the interest rate has gone up
I have to pay a lot more& rdquo;
The reporter learned that taking the 20-year repayment of 500000 yuan loan as an example, according to the benchmark interest rate of 6
8% before interest rate adjustment, the monthly mortgage that buyers have to repay is about 3816 yuan
In terms of the current lowest market of Yongcheng bank, with the benchmark interest rate rising by 5%, the mortgage that buyers have to repay every month is 3918 yuan
Once these two data are reduced, they will have to repay 100 yuan more every month
In this way, it will cost more than 1000 yuan a year and more than 20000 yuan in 20 years

[analysis]
Be a & ldquo; House slaves & rdquo; Not easy
From what the reporter learned, whether it is a first-hand house or a second-hand house, the rising interest rate has indeed increased the pressure on home buyers to repay the loan, which is the same feeling of the respondents
From the current market point of view, after the purchase restriction, the qualification of investors to buy a house has been cancelled, and those who are qualified to buy a house are people who really need a house
Just need buyers are indeed a very large group, some in order to solve the housing problem, can not help but buy; Some are because the living conditions are better and they need to live more comfortably, so they need to buy a second home to meet the current needs

What worries just in need buyers is that house prices are under control and loan interest rates continue to rise, but it is overwhelming
The rise of bank loan interest rate must have its reasons, but it is the buyers who suffer; The difficulty of loan increases
If you can't get the loan to buy a house, you are also worried about buyers
Now, want to be & ldquo; House slaves & rdquo; It's not easy to be & ldquo; House slaves & rdquo; It's not easy to repay the loan after