Ji'nan's housing loan interest rate will be difficult to reappear
people are hard to dismantle, saying "life is so hard, some things don't break down." The word comes from Yoga Lin's song "lie", which is often quoted by netizens in the reply. The landlord says the truth of a thing directly, only to let people face it for a moment. As mortgage interest rates, the second half of 2013 mortgage loans more than the list and the current bank spreads tighten the double impact, it is predicted that the housing loans in 2014 is difficult to loose.
"my customer's new year's day before the mortgage, want to wait for the new year to see if there is a discount, now more than ten days have passed, the domestic bank interest rate is still not moving, not to mention discounts," a real estate advisor told reporters that in fact, a number of cross year loans and many people, "not only drag the time to do" Mortgages that want to get interest rates have been issued with the same loan, and the loan will have to wait until February. Reporters asked a number of state-owned and commercial banks, they said they had not received the notice from the head office and the branch level. A credit manager of a state-owned bank, however, has no doubt that this year's interest rate concessions will be possible.
mortgage most still benchmark takeoff
according to the first suite of loans, since 2013 national day, many banks have implemented the original interest rate 10 percent off preferential policies to be adjusted or even cancelled, and after the cancellation of 10 percent off concessions, the same 20 years, 500 thousand yuan loans, lenders will be more than 45 thousand yuan.
Ms. Tung Ji'nan bought a house in the Western real estate in late September 2013. The total housing price is close to 650 thousand yuan, and half of it needs bank mortgage. She chose ICBC loan, submitted the information, waited for more than 20 days to complete the examination and approval loan, and began to repay the loan monthly from December. The loan interest rate on her loan contract is 6.55%, that is, the benchmark interest rate. "I always thought the mortgage was discounted, how did it come to me?" the bank's customer manager explained that the mortgage had been discounted since October, and there was a 10 percent off or 15% off discount.
entered 2014, the mortgage situation was a lot easier than the end of 2013. Recently, the reporter consulted with a number of domestic banks' personal credit managers, but found that from the end of last year to the beginning of this year, there was no obvious change in the mortgage situation of all the banks in Ji'nan, the Construction Bank, China Merchants Bank and most of the banks were still carrying out the benchmark profits. Rate.
in mid December 2013, Miss Wang bought the Vanke City (forums) in the area of chemical fiber factory. After paying the down payment, they waited for the bank to lend. In January 21, 2014, Miss Wang received a telephone call from the postal savings bank. The bank loan had been put down. She had to go to the bank to go through the formalities as soon as possible. Miss Wang was worried that the bank would adjust the discount, but she was very excited about the 10 percent off discount of the benchmark interest rate. One industry insider told reporters that although most banks' housing loans are still the benchmark take-off, they will still offer a discount of 5% off or even higher for quality customers.
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the head of the personal finance department of a joint-stock bank Ji'nan branch said, in general, all branches in the first half of the year are riveting the money and scramble for the share. But in 2014, the past 20 days, unlike previous years, "no notice of interest rate adjustment has been received for the time being", a joint-stock bank staff told reporters.
"the housing loan market in Ji'nan is not very hot. Although there are no queuing applications like other cities, there should not be a big discount. There will be no big changes in 2014 compared to 2013. " A person in the industry told reporters that in 2013, with the increase in deposit interest rates, the margin gap is tight, the room for mortgage profit is smaller, the majority of the banks are adjusting and transforming, the mortgage is not the main business, "the application for mortgage is still possible, but there will be no big discount".