source: Qilu Evening News, Qilu one point reporter Jiang Ning
, a reporter visited more than 10 banks in Ji'nan to understand that two joint-stock commercial banks have recently raised their first suite loan interest rates, but several big state-owned commercial banks and most shares, cities and cities Firms still maintain the benchmark interest rate policy in the first suite. A state-owned commercial bank, the head of the gold Department said, in fact, the biggest problem is that the loan will be long, in this case, many buyers will be passive "price increase" in order to get loans ahead of time, so it is often reflected that the bank clearly is the policy of the benchmark interest rate, but the actual hand is 5% or 10%.
a citizen in Ji'nan is handling the mortgage loan business at the bank.
the capital of the provincial capital has the first mortgage rate floating 20% "basically is the benchmark interest rate, since May, the mortgage policy began to tighten, and we have also increased from ten percent off to the benchmark interest rate." Mr. Geng, a branch president of a foreign bank in Ji'nan, told reporters that in fact, the local banks in Ji'nan had raised the first set of mortgage rates from the end of last year, and some large state-owned commercial banks had canceled ten percent off preferences half a year ago. "Banks like ours that were raised in May are very rare." In the business halls of the Shandong branch of a large state-owned commercial bank, Mr. Zhang, who is in charge of the loan business, said that the first suite is still carrying out the benchmark interest rate, and the two suite carries out the policy of floating 10%. Compared to the interest rate policy of mortgage loans, Zhang said that the biggest change this year was the reduction in the size of bank loans. "The scale is strictly controlled, and the actual loan amount has been reduced a lot." In the interview, four state-owned commercial banks, including industrial, agricultural, medium and construction state-owned commercial banks, and six banks, including the Bank of Qingdao and the Qingdao agricultural commercial bank, are implementing the policy of "the first set of mortgage benchmark interest rates, two suites loan up 10%", and the Ping An Bank is "the first suite loan as the benchmark interest rate, the two suite loan up 20%", in addition, Brunei bank and Xingye Bank said that in the first suite loan interest rate, in addition to the benchmark interest rate, it will also give 5% off interest rates to some of the cooperative and cooperative customers.
however, in the interview, Minsheng Bank and CITIC Bank indicated that the mortgage interest rate in Ji'nan has been raised recently. Ji'nan branch of Minsheng Bank, a related person in charge, told reporters that from June 28th, the interest rate of the first suite of Ji'nan branch of Minsheng Bank was adjusted to 20%, and the two suite loan interest rate was adjusted to the level of the first suite. In addition, a relevant person in charge of Ji'nan branch of CITIC Bank said that the loan interest rate of the one or two suite of the bank was up to 15%.
in the past half a month to get the loan now has to wait two or three months. "Although the interest rate of mortgage loans has increased, the more important thing is that the rate of payment is slow." Mr. Zhang said that the scale of housing loans has been reduced a lot this year because of the control of the risk reduction quota, and the loans taken in the past half a month will take two or three months to get. In fact, this scale of control has appeared since the beginning of this year. In March this year, Mr. Lee looked at a commercial housing in the eastern part of Ji'nan. He first sought the Cooperative Bank of the real estate and submitted the mortgage materials. "At that time, it was still a 10 percent off discount, and now it has been raised to the benchmark interest rate, but it has not been approved yet." Mr. Li said.
to this, the middle level leader of a business department of a city business bank said to reporters that the scale of housing loans was reduced this year, in addition to the regulatory factors, to a large extent the market reason. "This year, the problem of capital shortage is more obvious, you can see from the SHIBOR interest rate and financial income rate, after the lack of funds, there is not so much money to lend money, the lower speed will be understandable."
"most banks now maintain the first benchmark interest rate, but why do some people reflect the rise in interest rates? There are many reasons: one is that the interest rate of the bank's mortgage is always a differential rating, due to the impact of wages, credit records, the nature of the work unit and so on. The interest rate of the loan will be different; two, because of the slow pace of the payment, some buyers will be forced to "raise the price" to get the loan. Manager Zhang said.