Ji'nan's first mortgage discount has disappeared across the board. Interest rates have risen. Tens of thousands of citizens have spent tens of thousands of dollars.
Qilu network Ji'nan March 14th, according to the new news center of Shandong radio and television "good morning Shandong" column report, recently, buy a house People may find that, after years, loans have changed a lot. Especially after March, the credit line has tightened again. The loan discount for the first suite has gone.
Mr. Zuo, a Ji'nan citizen, recently bought a set of three rooms through the housing agency, 500 thousand from the industrial and commercial bank, because a few months later, the first mortgage ten percent off interest rate preferential policy did not enjoy.
Ji'nan property buyers left Mr.: "interest rates rise, no way to buy, we have to buy ah, ten percent off and this bad tens of thousands of dollars."
it is understood that after entering March, Ji'nan first suite loan preferential interest rate has disappeared across the board. The bank's first suite, such as the bank, the Bank of Guangda, and the bank, carried out the benchmark interest rate, the Bank of agriculture and the Construction Bank, and made it clear that the first suite rates were all floating 5%, and some news indicated that some banks had risen to 10%. From the second half of 2012, the first suite loans 30 percent off interest rates, then to some banks float to the benchmark interest rate 1.1 times. For more than a year, people need to spend more money on interest.
a real estate agent in Ji'nan, Wei: "eight to nine of the ten houses are loans, and the interest rates of banks are rising, and the burden is even heavier. The borrowers are under great pressure, and the interest payments are basically more than half of the annual repayment. They are all planning to rent a house, so the rent is rising.
bankers said that the tightening of the housing loan, due to the impact of the Internet financial impact and the economic situation, the increase in deposits at the beginning of the year is difficult, leading to a limited amount of loans increased by the various joint-stock banks.
Assistant Zhou Yuchuan, general manager of the personal credit department of China Merchants Bank, Ji'nan. "The whole quarter of the bank deposit is relatively tight, because the entire resident financing channel is now relaxed, and a variety of financial ways cause the bank cost to rise."
in addition to the deposit, experts say that as the pace of interest rate liberalization is approaching, the profit space of the mortgage interest rate will be reduced to smaller and smaller, and the interest rate of the mortgage will continue to rise.