Two suites down payment 40% Ji'nan 5 banks landing mortgage interest rates are still floating 10%
life daily
two suite first payment 60% down to 40% new policy for more than half a month, the major banks in the economy to cash the new deal speed Different industries, such as ICBC, China Merchants Bank, Qilu bank, Xingye Bank and Qingdao bank, have already taken orders according to the new policy. In parallel with the old and new policies, many buyers began to select banks.
home buyers are also choosing the bank
the original down payment of 60%, now buy a house of three rooms and two halls, all have about 1 million 500 thousand yuan, light first payment will not be together, a big cut! And now should be no problem, the month for more than a few hundred dollars or can bear. A new deal in the property market is finally ready for Mr Wu. However, he consulted many properties, and found that most banks in Ji'nan did not immediately land.
in the real estate consultation, Mr. Wu specifically asked what bank could offer 40% payments. Reporters in the interview found that, like Mr. Wu, such a small number of buyers, in the launch, will choose the lower threshold of mortgage banks.
17 days, the reporter confirmed from several channels that the industrial and commercial bank, China Merchants Bank, Qilu bank, Xingye Bank, Qingdao bank, and so on, have received the new policy of the first payment of the two suite 40%. Among them, China Merchants Bank and Qingdao bank were relatively early implementation. Qilu bank issued a notice on 16 November to adjust the down payment ratio. In the main banks, such as industry, agriculture, China, construction, transportation, postal savings and so on, the cash flow rate of ICBC is ahead, and ABC and CCB have not yet landed.
considering that the risk is delayed,
estimates that we will soon drop to 40%. According to past experience, ICBC first adjusted. A member of a state-owned bank said that 13 banks in the city had met to discuss the new policy of the first payment of the two suite to 40%, and the final vote was carried out by consent to the ground, and more banks were expected to join this line.
industry insiders say that the profit of the mortgage business itself is low, and banks are reluctant to reduce their down payment because of risk considerations. At present, commercial loans and provident fund loans have recognized the housing, that is, 1 homes and families have cleared the corresponding purchase loans, for the improvement of residential conditions to apply for loans to buy ordinary commodity housing again, the implementation of the first suite loan policy.
if the loan of a set of houses has not yet been paid off, the second suites will be purchased for re loans, and it is bound to have two loans at the same time. For the general family, the risk is obviously much larger, so the proportion of the first payment is higher. Although the bad rate of mortgage loans is very low, from the perspective of risk control, the higher the down payment ratio is, the safer it is.
two home loan interest rate is still rising
down payment, loan costs also increased, if the interest rate of the two suite loan is also lowered. On the 17 day, Ms. Feng, who was preparing to buy a house, spoke out the aspirations of many buyers. However, for the two suite interest rates, the banks in Ji'nan are not loose at present, and the standard rate of floating up to 10% is still being implemented. A bank loan center staff said: This is the regulatory department's policy requirements, the two suite loan interest rate must be 1.1 times the benchmark interest rate. After the implementation of the
new housing loan policy, Ms. Feng spent two consecutive weekends visiting the property market. She saw many houses, but she did not worry about signing the contract. I heard that the possibility of reducing interest rates is very large. I want to wait.
in fact, down payment for buyers, the threshold of buying a purchase is lower, in fact, the interest cost is higher, so the decline in interest rates is the most exciting. The reporter found that, because the two suites are now generally to float 10%, and the first suite can usually play 5% off, high quality customers can also get 10 percent off, of which the gap is still large. Nowadays, the number of suites in the urban area is very high, so buyers still expect the interest rate to be lowered and lighten the burden.