Recently, many people have privately messaged me because 34 banks were invited to drink coffee by the government a few days ago, causing everyone to panic and ask what should I do if they are really stuck in getting a loan for buying a house?
After learning about it in detail, I found out that many of them are not really unavailable, but the loans are ugly!
Most of them are due to the problem of proving financial resources, and the various rhetoric of private banks. They need to match more things to help get the loan, such as adding more life insurance, etc., and the interest rate given is still bad. If you add this up, the APR will definitely be All break 3% or above.
Currently, due to the government’s lending restrictions, all banks have raised their interest rates, yes, but that’s only for general loans!
Don't forget that the central bank also issued an emergency supplementary statement on the 22nd, emphasizing that it will not affect "the financing needs of people without self-occupied housing". At the same time, it also emphasized again that it will not affect the industry's promotion of urban renewal, reconstruction of dangerous elderly people, social housing, etc. in line with government policies. Related purposes, as well as the funds required by enterprises to build their own factories.
The vernacular is that for ordinary people, as long as it is the first purchase of a self-occupied house, it cannot be affected, otherwise you can report the bank to the Hong Kong Monetary Authority!
That is to say, if you buy it not for commercial use, but to apply for self-occupation in Xinqing'an, the interest rate will remain the same. 1.775% and the subsequent 2.275% will not change. However, only the eight major public stocks in Xinqing'an have interest rates.
But when it comes to traffic jams due to water level problems, that means applying for loans in places where there are no water level problems! Why stick to the bank you like.
However, in fact, most of the problems with loan applications with low percentages and high interest rates are due to the fact that I do not understand what the nine major financial certificates are. I did not prepare my homework in advance, but thought that I could just show my salary certificate. As a result, Lianzheng pulled it out and found out that there was a recent record of arrears, so the loan would definitely be ugly.
Instead of you asking around like a headless fly asking where you can get a loan, you might as well look for how to generate more financial proof. That is the most critical timely help. Otherwise, based on your current information that is not good enough, where can you go? They all can't get a loan, or they may be slaughtered as fat sheep.
If you really don’t understand what additional proof of financial resources means, you can go to the club and ask!
# Loan limit order # Proof of financial resources # Monetary Authority # Ministry of Finance # Government # Coffee # Bank # First building # Self-use # Residential # Private # Public shares # Loan # Mortgage # Xinqing'an #APR # Water level # Life insurance # Percentage # Interest rate # Capital Update # Risky elderly # Social housing # Salary # Price guarantee # Lianzheng # Traffic jam # Timely rain # Sheep # Underage people are not allowed to drink alcohol
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