Second-hand home mortgage revitalized

Second-hand home loans and loans for the first suites compared to more complex, because the two suites are individual buyers and sellers. Currently, banks are the first suite of policy tightening, second-hand home loans from the original "sideline" into the "main", became the recommended bank loans, second-hand home loans revitalized.
Second-hand home loans to the buyers and sellers as it involves the majority of all individuals, so in loans procedures are relatively complex, many banks do not focus on this as a business. However, this situation has been reversed in today. For attention, the higher two suites define the bank's standard is still not unified. Some banks to "know the room is not considered loans," some banks to "know the loans are not considered rooms."

May 14, the author found that a bank's business hall, a few propaganda posters of second-hand home loan business to occupy a conspicuous location. When I approached to see whether a poster, immediately asked the staff there, I want to go through second-hand home loans. I see no objection, they put the author has specializes in mortgage lead to the staff of office. Immediately, the staff began the author describes in detail for the second-hand home loans. After carefully interview the author learned that one of the bank in April to launch a second-hand home loans, now is the bank's core business.

Coincidentally, I went to another bank to cover second-hand home loan that the bank also launched in May of second-hand home loan business. Meanwhile, in order to catch up from behind, the bank is negotiating with the intermediary of a second-hand, second-hand home loans apply for one-stop service. Subsequently, the author also visited several other commercial banks, found that second-hand home loans by banks from the original is not the concern about the renewed vitality. Currently all commercial banks have second-hand home loans from the original "sideline" into the "main", became the recommended bank loans.

"In the new home mortgage, the banks business Liangjun decline slightly. In order to ensure a certain profit margins, banks will naturally be a beachhead area of second-hand home loans." 14, a bank official said mortgage-related terms , there demand for natural market niche. Especially with the joint-stock banks continued to long terms of competition in the mortgage growing, second-hand home loans naturally become contested.

However, I understand that although second-hand home loans renewed vigor, but with the new house, loans, or a difference. Currently, most banks in the second-hand home loans, "documents" and "area" is the mortgage borrower's 2 threshold. The unanimous request of several banks, mortgage borrowers to buy second-hand home must complete double card. In addition, banks and buildings for resale have different requirements. Most banks require mortgage borrowers to buy second-hand home area not less than 60 square meters -120 square meters; not meet the requirements for resale, are not providing loans.