On the afternoon of the 25th, Zhongxin Jingwei learned from the relevant outlets of Industrial And Commercial Bank Of China Limited(601398) , Agricultural Bank Of China Limited(601288) , Bank Of China Limited(601988) , China Construction Bank Corporation(601939) , Bank Of Jiangsu Co.Ltd(600919) located in Nantong City, Jiangsu province that the five banks reduced the down payment ratio of individual housing loans in the city, and the down payment ratio of home buyers who buy houses for the first time and apply for housing loans for the first time decreased from the previous lowest 30% to the lowest 20%. However, some outlets said that the qualification requirements for applying for a 20% down payment were higher than those for house buyers.
Industrial And Commercial Bank Of China Limited(601398) the customer manager of a network in Nantong told Zhongxin Jingwei that the bank recently reduced the down payment ratio of personal housing loans, and the down payment ratio of customers who apply for housing loans for the first time and the first time is 20%. Bank Of Jiangsu Co.Ltd(600919) the customer manager of a network in Nantong also said that the minimum down payment ratio for customers who apply for housing loans for the first time is 20%. She also said: “we didn’t do so low before. Isn’t there this policy in the latest? It has just been adjusted.”
The account managers of Agricultural Bank Of China Limited(601288) , Bank Of China Limited(601988) , China Construction Bank Corporation(601939) relevant outlets in Nantong said that the down payment ratio of personal housing loans has decreased from the previous minimum of 30% to the minimum of 20%. Many account managers also said that not all home buyers can apply for 20%, and there are some requirements for customers’ other qualifications.
Industrial And Commercial Bank Of China Limited(601398) said that customers applying for 20% down payment need to provide relevant certificates. The customer manager of China Construction Bank Corporation(601939) said: “the down payment ratio was at least 30% before and recently relaxed to 20%, but it is only for buyers who have not bought a house, have no house under their name and have never applied for a housing loan.” Several banks said that if buyers do not meet the two conditions of the first house and the first loan, the down payment ratio will have to implement the previous policy, with a minimum of 30% or 40%.
In fact, recently, several buildings in Nantong have released posters saying that the down payment ratio of some of their cooperative banks has dropped to a minimum of 20%. Among the cooperative banks, there are both large Chinese banks and small and medium-sized banks. One real estate announced in the poster that its cooperative China Merchants Bank Co.Ltd(600036) , China Construction Bank Corporation(601939) , Bank Of China Limited(601988) , Bank Of Jiangsu Co.Ltd(600919) , Industrial Bank Co.Ltd(601166) , Agricultural Bank Of China Limited(601288) , Industrial And Commercial Bank Of China Limited(601398) lowered the down payment ratio, while another real estate mentioned Bank Of Jiangsu Co.Ltd(600919) , Bank Of China Limited(601988) , China Construction Bank Corporation(601939) , Agricultural Bank Of China Limited(601288) . Two real estate real estate consultants confirmed to Zhongxin Jingwei that the down payment ratio of “no house, no loan” customers’ housing loans fell to 20%, and there are requirements for customers’ qualifications.
In addition, a number of interviewed banks and real estate consultants said that the current housing loan interest rate in Nantong has been reduced, and the interest rate of the first house has decreased to about 4.9%. For example, Bank Of China Limited(601988) , China Construction Bank Corporation(601939) the lowest rate of the first house is 4.9%, and Agricultural Bank Of China Limited(601288) the lowest rate is 4.97%. Bank Of Jiangsu Co.Ltd(600919) the above account manager said that the bank can now achieve a minimum interest rate of 4.85% for the first house.
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