Ji'nan mortgage new deal this month or implementation of the first suite loan interest rate 30 percent off
source:
source: the Ji'nan daily
the day before the National Day holiday, the central bank issued a new loan deal. After the end of the National Day holiday, ABC, CCB, Bank of China and other banks have gradually stated that they are making detailed rules. Reporters learned that at present, Shandong Ji'nan banks have not yet implemented the new deal. The industry expects that most banks will issue detailed rules this month. However, the first mortgage interest rate of 30 percent off is probably "extravagant hopes".
the Bank of China announced that, since October 1st, the bank has purchased the first family of ordinary self housing for loans, as well as the families with 1 sets of housing and have cleared the corresponding purchase loans, and reapplied for loans to buy ordinary commodity housing for the improvement of the living conditions. The minimum initial payment ratio of the loan is 30%, the lower limit of the loan interest rate is The loan benchmark interest rate is 0.7 times, which is determined by the branches according to the risk situation. Reporters today to call, agriculture, industry, construction of the four major lines to understand the situation, the staff have not yet received notice, the mortgage business is also in accordance with the original policy. In addition, CITIC, Xingye and other banks also said they were waiting for the higher authorities to inform.
the minimum down payment is 30%, and you can enjoy the lowest 30 percent off benchmark interest rate. Is this possible? The reporter has consulted today, and many bank workers said that the central bank's "lower limit of the first suite loan interest rate is 0.7 times that of the benchmark interest rate" is only guiding interest rates, not actual requirements. For the interest rate discount of housing loans, a bank insider told reporters whether the interest rate 30 percent off should be determined according to the borrower's purchase condition, credit record, repayment ability and so on. Taking into account the cost of capital, 30 percent off of the interest rate discount is unlikely.
reporter learned in the interview that before the new deal was introduced, the first mortgage rate in Ji'nan was mostly at the level of 5% of the benchmark interest rate, and the lending cycle was longer. Therefore, the industry expects that even if the new housing policy is fully landed, the first mortgage interest rate will also be the mainstream interest rate, with a maximum float of no more than 10%.