Ji'nan's first suite of interest rates rise 5% housing standard limits
mass daily
the first suite of the Bank of Agricultural Bank of Agriculture Bank, the interest rates are all floating 5%
the volume of commodity housing in February is far below January
February the rent rose 200 to 300 yuan
compared with the previous year. The application for mortgage loans was easy at the beginning of the year, but difficult at the end of the year. But this year is different from previous years: the interest rate of mortgage loans at the beginning of the year is not only against the trend, but also tight. Reporters recently visited the major banks in Ji'nan found that the first suite of benchmark interest rate 10 percent off discount is difficult to trace, the bank mortgage interest rates generally float.
March 10th, a reporter survey found that the four major state-owned apartments have already cancelled their preferences. Except the Bank of China indicated that the first suite can offer a minimum discount to the benchmark interest rate, the interest rates of three big first suite of industry, agriculture and construction are up 5%. In the two suite, the four major lines were all floating 10%. It is worth noting that the four major administrative policies have changed considerably since the reporter's investigation ten days ago.
joint-stock banks, the first suite of banks, merchants bank, China Everbright, Shanghai Pudong Development Bank has implemented the benchmark interest rate, CITIC floating 10%. The joint-stock banks all said that they would go up to 10% or at least 10% of the two suite loans. The city commercial bank has a bigger floating interest rate for the two suite, and the proportion of Qilu bank floating up to 30%.amp; mdash40%.
unlike previous rumours, banks deny denial of loans. In the first suite, the joint-stock banks pose even more interest rate advantages than state-owned banks. So far, the Industrial Bank, which was deeply trapped in the whirlpool, has even the first suite of interest rate of 10 percent off. Overall, however, banks that keep interest rates are less and less.
interest rate concessions to eliminate the need for a family of geometry? Journalists in Ji'nan to purchase a total of 900 thousand, the first payment of 300 thousand of the house calculation, with the same amount of principal and interest repayment, 20 years of 600 thousand yuan commercial loans to carry out 10 percent off interest rates, a monthly repayment of 4262 yuan, the total interest of 423 thousand yuan. But according to the benchmark interest rate, it needs to pay 4491 yuan a month, and the total interest rate is nearly 478 thousand yuan. After the cancellation of the discount, it will cost more than 229 yuan per month, and the total interest rate will be more than 5 yuan.
in addition to the generally rising interest rate, it is more worrying for the rigid demand family to tighten lending time after many banks have tightened their approval. The staff of the Ji'nan branch of the Bank of China told reporters that even the personal housing provident fund loan amount is relatively tight, and the minimum time for lending is two or three months.
Mr. Li, who works in a business unit in Ji'nan, said he bought a second-hand house through a large bank loan in November, until it was approved until March 7th. The bank said that the bank's first suite rate in March 10th was only 5%, and the interest rate was still superior to other banks, which led to a large influx of buyers, so the audit was very strict.
some banks have even raised the requirement for the standard of the loan house. Everbright Bank, a member of the hehequan road sub branch, told reporters that the application for personal housing loans of the bank must be built after 1994. CITIC Bank said that the age of second-hand housing loans lenders less than 70 years old, the house must be within 15 years of the house.
Soufangwang data show that the volume of commercial housing in Ji'nan in February was 1965 sets, far below the 3903 set in January. A researcher in Ji'nan, a green city group, explained that the interest rate preference of the first suite no longer changed the psychological expectation of the buyers, which would have a psychological impact on the unfapped buyers, making a house that could have been sold.
housing loan is difficult to stimulate the heat of renting. A staff member of Ji'nan Bao Yang Real Estate told reporters that the housing loan interest rate floated to make second-hand housing transactions low, so the rental market made a lot of profit, in February, the rental volume of housing in Ji'nan was 3 to 4 times in January, and the rent also rose by 200 to 300 yuan over the same period.
for the abnormality of the tightening of the housing loan at the beginning of this year, a banking person said that the increase in the deposit on the loan market was very difficult at the beginning of the year, affected by the impact of the Internet financial and the economic situation. This has affected the supply of funds in the lending market. This year, Ji'nan's shareholding banks have increased the amount of loans limited, in addition to housing loans, real estate development loans are also It is the field that all walks of life are scrambling to compress.