Annual salary not reaching 1.5 million! Taichung man applies for a new youth loan and is "advised to withdraw by a public bank": You are too poor.

The new Qingan loan was originally regarded as the dawn of young people in Taiwan to buy a house, but it was reported that the public stock bank required an annual salary of 1.5 million yuan, otherwise the loan applicant would be dissuaded, causing extreme dissatisfaction among the owners. (Synopsis: Housing market ready to crash? The collapse of Taiwan stocks has caused a sharp increase in "selling houses to save stocks", and mortgage business calls cannot be answered) (Background supplement: Wall Street prophet warns: nearly half of the baby boomers cannot afford "pension costs", and the housing mortgage tide brings heavy pressure to the housing market) Taiwan's housing prices have gone all the way, and the new Qingan loan is regarded as the lifeline of young people's first purchase, but there is a contrast on the bank lending side. According to ETtoday, a 32-year-old man surnamed Lai in Taichung met the government's conditions for applying for a new Qing'an loan, but when the bank applied for it, he was politely rejected by the public stock bank treasury because his "annual salary did not reach 1.5 million yuan". In this example, Lai Nan spent 12 million yuan in 2022 to buy a pre-sale house in the non-old urban area of Taichung, with a unit price of 470,000 yuan and a right of 24 pings including parking spaces. Recently, it entered the insurance stage, but was persuaded to quit by the public stock bank on the dual grounds of "salary and location", which is simply too poor to be disliked, and the new Qing'an with an interest rate of 1.775% is equivalent to seeing that it can't eat, and it is unbearable to die. Lai Nan complained to the media: The reason given by the bank is that my annual salary is not 1.5 million yuan, plus the construction project does not fall within the scope of the Taichung City urban plan, so it will not give a loan. In the end, which first-time buyer who works his own can have an annual salary of 1.5 million yuan? According to the Comptroller's Office, Taichung's average recurring salary in 2023 is only 690,000 yuan, and the bank threshold is already more than twice the local income. The ripple effect of central bank tightening The central bank's post-board press release in March pointed out that the number of second-household mortgages fell from 60% to 50%, and required some loans to cancel the grace period. The industry revealed that an annual salary of 1.5 million yuan has become an audit "industry rule", and even banks undertaking civil construction financing are only willing to leave the amount to VIP. Lai Nan continued to complain to the media: Our company has worked for about 30 years of seniority, the annual salary has the opportunity to reach 1.5 million yuan, but the monthly salary of our grassroots employees of 50,000 yuan is already very remarkable, although there are still other banks that can apply for loans, but the interest rate, years, grace period, etc. are not more favorable, so what is the significance of 'new Qing'an'? The complaints of Transspawn employees reflect the rapidly increasing risk awareness of financial institutions. The interest rate of bank loans has also become "not enough to earn" to consider dissuading the loan application Taichung house prices have risen by more than 50% since 2016, and the annual growth rate of labor wages during the same period was less than 2%. Based on the monthly payment ratio of 40% commonly used by banks, an annual salary of 1.5 million yuan (monthly salary of 125,000 yuan) can afford a mortgage of about 50,000 yuan, and the original policy of supporting the first purchase has become exclusive to high-income earners. Self-provision is made easier to apply for loans The chairman of the Housing Association recommends that first-time purchasers first withdraw their self-provision to 35% and actuariate the monthly cash flow; If the audit hits a wall, you can compare the peer plan or use relatives and friends to guarantee it. In addition, early consolidation of financial reports and reduction of revolving interest rates on credit cards can help increase the probability of loan verification. The increase in bank risk control and the continuous control of the central bank have made the new Qingan loans face the test of being visible but not being loaned. If the actual threshold is not adjusted, young people will still be a "preferential policy" that is not pleasing to both banks and loan applicants. Related stories What are RWA's real-world assets? Credit, bonds, real estate: In the post-epidemic era", Taiwan's new "block technology" cooperation Anzhuan real estate, push the E-contract blockchain signing deposit platform, rotten buildings exploded! Chiayi builder ran away with a down payment of 24 million yuan, what are the loopholes in Taiwan's pre-sale housing system? 〈The annual salary is not 1.5 million! Taichung man applied for a loan to Xinqingan "dissuaded by public stock banks": You are too poor" This article was first published in BlockTempo "Dynamic Trend - The Most Influential Blockchain News Media".