Ji'nan intends to promote preferential policies to promote property market banks say that interest rate reduction is not large.
recently, the urban and rural construction commission of Ji'nan has drawn up the "comments on promoting the steady and healthy development of the real estate market in our city", and launched a series of preferential policies for buying a house, including the lowest first payment ratio for the first suite of commercial loans. It is not less than 25% of the total house price, the loan interest rate is not less than 0.7 times the benchmark interest rate, the lowest first payment ratio of two suites is not less than 40%, and the loan interest rate is not less than 1.1 times the benchmark interest rate. With the full opening of the two child, many families want to change a big house. The correspondent has learned that the policy of the two suites has been more favorable and more unified. The ratio of the first payment to the commercial loan is 4, and the interest rate is 1.1 times the benchmark interest rate.
the first suite rate is generally 5% off, the lowest to 15% off
"now housing is very suitable, I just bought a set. In November this year, the volume of real estate transactions in Ji'nan was higher than that in October. There were signs of warming in the property market, the price of house prices could rise, and the bank is also very favorable for the policy of walking quantity. Mr. Wu, a loan manager of the Qingdao bank, told reporters that a month ago, the lowest down payment ratio of the first suite was reduced from 30% to 25%, and the first suite was also repaid, and the interest rate was reduced to 15% off a week ago. "A few days ago is Qingdao first introduced mortgage interest rate 15% off, after negotiation with the developer, now Ji'nan can also achieve 15% off, of course, the premise is no problem.
in addition to bank 15% off of Qingdao, other banks in the first suite performed 5% off of the first suite rate, and a few high quality customers could reach 10 percent off, with the current 5 year loan benchmark rate of 4.9%, and 5% off after the discount rate of 4.655%.
in the lowest proportion of the down payment, most banks execute 25%, and a minority executes 30%. Other banks are divided according to the marital status, such as the Agricultural Bank, considering that one person's ability to repay is weak, and those who buy the first suite are at least 30% and 25% if they are married.
lower room interest rate reduction space, the bank said 30 percent off unrealistic
according to the Ji'nan urban and rural construction commission of the above draft, the first house and the first suite after a loan to buy a house, the loan interest rate is not less than 0.7 times the benchmark interest rate. In this regard, most of the banks said that it would be "unrealistic" to return to the 30 percent off interest rate in 2008.
Qilu Bank of Retail Director Wang Zongqiang told reporters that now Qilu bank's mortgage interest rate is basically 5% off, a few high quality customers can reach 10 percent off, "10 percent off is close to the limit, now the deposit and loan spreads are getting smaller and smaller, the bank profits are falling, the day is not good, so the room rate of mortgage interest rate reduction is not large, 30 percent off It's impossible. If we drop further, banks may have a hang up phenomenon, interest rates are too low, banks may shrink the mortgage business, and it is not a good thing for people to buy a house loan.
loan did not pay back and then buy a house, first pay 4 percent interest rate up 10%
Tung's house this year a new son, round his one and one girl to make a "good" wish, because the house is now only 90 square meters, he is now full of thought is to change a big house, to improve housing conditions.
28, the reporter visited more than a dozen banks with mortgage services, and found that the policies of each bank were more consistent with the two suites, that is, to apply for commercial personal housing loans to buy ordinary commodity housing for households with 1 sets of housing and that the corresponding housing loans have not been settled. The minimum proportion of the first payment is 40%. The lending rate is up 10%, or 1.1 times, on the basis of the benchmark interest rate.
if the loan of the first suite has been paid off, then a lot of banks call it "the first suite", and the interest rate can be 5% off as the first suite. However, each bank has a different demand for down payment, most of which is 30%, while a few banks, such as Qingdao bank, Qilu bank and postal savings bank, are fully replicating the "first suite" policy. Not only the interest rate is discounted, but the ratio of down payment is also the lowest to 25%.