With secondhand the room is exemple, silver-colored guild is entrusted evaluate a company to undertake assessment, that is to say 1 million yuan of houses that clinch a deal, the likelihood assesses the value only 900 thousand yuan, although achieve,loan becomes number 8 into, but actual a Fu Jin 300 thousand yuan.
In skill building dish respect, floor of bank criterion ground dish the circumstance makes judgement, partial building dish can give out 8 into loan, partial criterion will be opposite on the low side.
Wang Hong sea expresses, to the bank, individual room is borrowed still is a high grade asset, fraction defective is maintained all the time in 1% the following. Although 2005 Shanghai house price appears,compare apparent fall extent, bank loan fraction defective also did not appear to fluctuate significantly. Because this bank won't adjust loan temporarily,become number.
Major bank of city of sea of factual before last did not experience the loan risk that appears possibly to Shanghai. Except become several loan high besides, the house that the bank is rolled out lends interest rate even under best loan interest rate.
Media discloses, drop in house price the most apparent Shenzhen, partial bank had adjusted his to mortgage loan policy. The “ of file lieutenant general of smooth big bank adjusts the building of Shenzhen branch to mortgage loan policy ” to serve as alone content, distinguish in order to show with other area. This guild regulations is decided, shenzhen area borrower buys first to live oneself of housing, cannot enjoy 90 square metre to pay 2 become give special treatment with right-hand seat, no matter whether is the area under 90 square metre, its loan specified amount is spent highest must not exceed 7 to become.
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