Ji'nan welcomes the most relaxed time in the past 3 years, 10 percent off discount rate discount

Since 2010, the housing loan market in Ji'nan, Shandong province has gone through the process of loosening and tightening since 2010, especially since the end of 2013, most of the Shandong banks have cancelled interest rate discounts, but last year The start of a continuous interest rate reduction and support for the introduction of demand policy, the bank squeezed mortgage hands began to relax slowly, 5% off or 10 percent off of the interest rate discount reappear the market, and even recently a bank for two suite of loans to 7 of the house, the provincial capital market ushered in the most loose time in the last three years. After a continuous interest rate reduction, not only did the mortgage discount have been reduced, but even the two suite of commercial loans, which had been difficult to handle in the past, had also been loosed. In the 15 banks that accept the mortgage business, there are still two banks that accept the 10 percent off loan interest rate discount, although the application still has some conditions, but it has no small attraction to the buyers. It is worth noting that a city commercial bank that had previously given 10 percent off concessions had dropped out of the "10 percent off army" and replaced it with a large state-owned bank, while the banks that gave 5% off of the mortgage rate increased significantly compared with the year April, from 6 to 9, and only 3 banks still did not discounted the mortgage.
at the same time, although some banks still do not discounted the mortgage, but in other respects give the home buyers preferential, a state-owned large bank began to focus on its own mortgage business since the end of the year, although there is no discount on the mortgage, but the buyer can get the benchmark interest rate in the case of two suites, in addition to this Banks and the other 14 banks have implemented the policy of raising the benchmark interest rate of two apartments by 10%.
, so far, only one bank in the 15 banks is still carrying out the policy of 6 down payments for the two suite, that is, only 40% when buying a two suite loan, but 12 banks have implemented a policy of 4 down payment, and two banks have implemented a policy of down payment of 3, and buyers can borrow 7. Housing money, can reduce a lot of house pressure.
from the last three years of the city's housing loan market change, it is undoubtedly the most relaxed period of housing loans, although there is no 15% off interest rates in 2012, but the rate of 10 percent off is only 5.09%, lower than the past 15% off, and the 5% off interest rate for most buyers is 5.37%, compared to the same period last year. With a loan of 500 thousand and 30 years of credit, it can be less than 400 yuan per month.