Ji'nan mortgage interest rate 10 years minimum part of the first suite of bank interest rates can hit 10 percent off
Shun Net - Ji'nan times
the mortgage rate is so low, do you want to buy a house now? After a new round of interest rate reduction, the loan benchmark interest rate has dropped to 10 It's the lowest in the year. Before November 21st last year, the benchmark lending rate for loans over 5 years was 6.55%. After 6 times of interest rate cuts, the benchmark lending rate for 5 years or more has dropped to 4.9%. In 27, the reporter learned from a number of stationed banks that in the backdrop of the real estate market, the bank began to pay attention to the mortgage business. After the reduction of interest rates, the interest rate of the first suite of loans was generally 5% off, and a few banks were as low as 10 percent off.
see the market: the first suite rate is generally 5% off, the lowest can reach 10 percent off
recently, the Bank of Qingdao has launched a mortgage rate of 15% off in Qingdao, which leads to a number of banks in Qingdao, and the public buy the first suite to enjoy more benefits. Reporter 27 from the Bank of Qingdao Ji'nan branch learned that its 15% off in Qingdao did not copy to Ji'nan, the reason is that the Qingdao bank in Qingdao has a large number of cooperative developers, strong negotiation ability, but in Ji'nan only more than 10, and each building of the cooperative banks are more than one, although the Qingdao bank will be willing to the first Suite loan interest rate dropped to 15% off, but the property takes account of other banks' pricing level, and does not accept the kindness of Qingdao bank.
the interest rate can be hit 10 percent off at present for eligible personal first suite buyers, and the next step will not be ruled out and the possibility of falling to 15% off after the successful negotiation of some developers. Qingdao bank Ji'nan branch of the relevant people.
Industrial and Commercial Bank of China, Qilu bank and other related leaders said that although the bank profit space after the reduction of interest rates further compressed, but did not affect the bank to continue to offer interest rates for buyers, the first suite of customers, if personal credit is better, generally can enjoy the interest rate of 5% off. Reporters learned that this is also the prevailing market in Ji'nan mortgage market.
the loan interest rate of small and medium-sized enterprises is high in the previous years, the bank is more important, but now, the risk of small and medium-sized enterprises loan is high, which brings a lot of bad debts to the banks. Although personal loans are low in profits, there are very few customer defaults, so many banks again take the mortgage as their main business. A non - named joint-stock bank responsible person said that in the interest rate reduction under the quasi stimulus, the property market rebound signs are obvious, which also provides an opportunity for the bank loan.
wake up: when can we pay the latest interest rate in accordance with the latest interest rate? We have to see the issue of
the recent public consultation. In fact, the interest rate is so low that it is not necessary to pay the loan in advance, buy a financial product, or do some other investment, which is equal to the money made by the bank's money. On the 27 day, a financial manager of the central branch of ICBC said.
there are 5 interest rates cut this year. For most old mortgages, the new rate will be adjusted in January 1st next year. Qilu Bank of retail department responsible person told reporters: the most cost-effective is 2008, 2009 mortgage loans, when the contract agreed to hit 30 percent off, at the moment more than 5 years of the benchmark interest rate is 4.9%, the actual interest rate after discounts of 3.43%, far lower than the bank issued financial product yield. At that time, 30 percent off was the special policy of extremely wide monetary policy, which is impossible in the future.
the bank insiders remind the public that not all old mortgage loans are carried out in January 1st next year to implement the new interest rate standards, specifically to see the contract agreement, some of which are calculated from the date of the customer loan, and the interest rate is adjusted a year later. In addition, the interest rate discount will also depend on the contract agreement.