Hot wireŁĄ The mortgage rate has come back 30 percent off again
Shandong Commercial Daily
recently, Shandong provincial housing and construction department joint multiple departments issued "on promoting the stable and healthy development of the whole province real estate market" (hereinafter referred to as the "opinion"). According to the "opinion" request, our province loans to buy the first suite of residents, the loan interest rate lower limit is the loan benchmark interest rate 0.7 times. And the 1 houses and the families who have settled the corresponding housing loans, the banking financial institutions implement the first suite loan policy. Shandong commercial newspaper reporter Gao Yulong
[the first set of mortgage repayment repayments is still the first set]
according to the "opinion" requirements, our province for the use of commercial personal housing loans to buy the first family of ordinary home, the minimum loan ratio of 30%, the lower loan interest rate is 0.7 times the base rate of the loan. In fact, as early as last September 30th, the central bank issued the same notice, proposed that the first set of ordinary self housing for the loan of the family, the loan interest rate is 0.7 times the base rate of the loan, which is determined by the banking financial institutions according to the risk situation. And this province issued the "opinions on promoting the steady and healthy development of the real estate market in the whole province", which also responded to the central bank's policy last year.
at the same time, in order to improve the living conditions of the residents, the "opinion" also put forward that the first suite of first suites has been changed by the banking financial institutions in order to improve the living conditions and apply for the purchase of ordinary commodity housing for the improvement of the living conditions. The house does not recognize the loan "the stipulation.
in addition, for households with 1 sets of housing and unsettled loans for home purchase, in order to improve residential conditions and apply for commercial personal housing loans to buy ordinary self housing, the lowest first payment ratio is not less than 40% in the opinion, and the proportion of the first payment and the rate of interest are in the country of banking financial institutions. On the basis of the unified credit policy and the self regulatory mechanism of interest rate pricing in Shandong, we reasonably determine the borrower's credit status and repayment ability.
[business loan interest rate thirty percent off close to the public loan interest rate]
"30 percent off interest rates" is the first thing a lot of homebuyers look forward to, but from the present, it seems a bit difficult to return 30 percent off interest rates. According to the industry, according to the current central bank's latest adjustment of the interest rate policy, the 5 year loan benchmark interest rate is 5.4%, if the benchmark on this benchmark again 30 percent off, the loan interest rate is only 3.78%, basically close to the interest rate of provident fund loan. At present, most of the bank's financial product earnings remain between 5% and 6%, which is 1.22 to 2.22 percentage points higher than the 3.78% after the loan rate of 30 percent off, and the bank's benchmark interest rate is 3.35% for more than 5 years, but many banks are attracting deposits, and deposit interest rates are floating. If the policy is true for 30 percent off interest rates, then the banks have nothing to do. Profit can be made.
minimum first payment ratio of 1 Suites is 30%, the lower limit of loan interest rate is 0.7 times the benchmark interest rate and 2 has 1 sets of housing and the mortgage has been settled, the loan is repaid, the first suite loan policy
3 has 1 Housing and the mortgage is not settled, and the minimum down payment for the loan is repaid. The proportion of money in the industry is not less than 40%
40%
housing loan return to a certain degree of difficulty
one bank in the provincial city, one related person in the interview also said that most of the interest rate of commercial banks are at 5% off, four state-owned banks or 10 percent off, Ji'nan basically does not have lower than 10 percent off loan interest rates. "Now the bank's 5 year deposit interest rate basically can be above 4%, if we can really hit 30 percent off, then the bank will lose money." This also means that although mortgage interest rates have indeed entered the downward track, mortgage interest rates return to 30 percent off is difficult to achieve.
, at the other level, in the recent "guidance on improving the housing consumption of the provident fund management system" in Shandong Province, it is required that the housing provident fund loan rate in the city below 85% should actively carry out commercial transfer business and allow workers to transfer commercial housing loans that have been handled. Housing provident fund loans. And the housing provident fund loan rate is higher than 85% of the city, in line with the housing provident fund loan conditions for the payment of the loan application, approved by the housing provident fund management center, can be pilot by commercial banks to issue personal housing loans, housing provident fund management center give margin subsidies, supplement funds to be included in housing provident fund business expenditure . To a certain extent, this corresponds to the possibility of realizing the policy of "30 percent off" interest rate for the first suite of commercial banks.