Ji'nan first suite loan interest rate rises two suites highest floating 30%
source: the Qilu Evening News
first suite loan rate also floated! The major banks in Ji'nan, Shandong province have adjusted the implementation level of mortgage interest rates. The first suite went up to 5%-10%, two suites went up 15%, and some went up 30%.
industry believes that the credit policy continues to tighten and the impact on the property market should not be underestimated.
for the past six months, the first suite interest rate has jumped four times, from 15% off to 1.1 times. The cost of buying a house is getting higher and higher.
an example to calculate the pen account
less than 10 days to buy a house more than 140 thousand interest
"house selection, the home consultant also told us that the first suite is the benchmark interest rate, now together with materials to run loans, the interest rate floated 10%." Recently, Mr. Xue, who just bought a house, found that less than 10 days before and after, the mortgage policy became more and more unfavorable.
not long ago, he bought a set of more than 140 square meters in a real estate in the calendar. Because of the government's price limit, the price of house prices has not risen much. As the first home buyer, Mr. Xue is still a little lucky.
submission of the purchase of certification materials, this week just completed the net signed, all the loan information is ready to complete, the bank customer manager with the real estate cooperation informed him, according to the latest notice from the superior, the interest rate of the first suite floats 10%, has been implemented.
Mr. Xue has no room for discussion. His total rent is 1 million 900 thousand yuan, and he plans to pay 30% down payment, and the remaining 1 million 330 thousand yuan will be all loans. He calculated carefully that if the interest rate went up by 10%, according to the 30 years' equivalent principal and interest, it would be more than $400 a month. The total interest rate is about 1 million 350 thousand yuan, more than the previous benchmark interest rate of 1 million 210 thousand yuan, more than 140 thousand yuan interest.
think more than tens of tens of thousands of interest, Mr. Xue on the meat pain, want to change a bank, but with this building, there are 3 banks, basically a market, the same interest rate of the first suite.
you rise I also rise
first suite of interest rates up 10%
the reporter consulted with China, agriculture, industry, construction and other state-owned banks of the first line of credit personnel, found that the first suite of loan interest rates have been raised recently.
the head of a branch of a state large bank in jisji said: "we began to adjust from this Monday. The first suite is basically floating 10%, and the two suite floated 15%."
according to its introduction, the individual housing loans previously accepted (excluding) in August 22nd met the 3 conditions and could be carried out according to the original policy.
1. has already obtained the formal net signed contract
2. letters have been completed
3. of the first payment of loan has been fully paid
from the August 18th zero, the new acceptance rate of the mortgage rate is raised, the first suite of loan interest rate is floating 5%-10%, the two suite is up to 15%.
according to a credit manager in Ji'nan branch of Bank of China, according to the personal situation of the customer, the mortgage interest rate of the first suite is floating 5%-10%. If the letter is good, there is no bad record of overdue credit card and other bad records, and open the designated business, it can be applied according to the floating 5%. At present, it can also be approved by the basic examination and approval. . "But now the adjustment is very frequent. It is suggested that customers who apply for loans should not rush to catch up sooner."
two suites highest floating 30%
not only new home mortgage interest rates generally rise, second-hand housing is the same.
the head of a real estate agency near Baihua Park said: "so far, two or three banks have been able to offer the benchmark interest rates, and I don't dare to say it tomorrow. Anyway, more and more floatation, in the first half of the year to buy the first suite of loans, is generally 10 percent off discount, in such a blink of time, even a benchmark interest rate is not easy to find. We definitely recommend low interest banks to customers, but this is more and more difficult.
before, the mortgage interest rate of two suites in Ji'nan generally rose by 10%. Now most of the state-owned banks are up 15%, and some small and medium banks are up 30%.
the credit manager of a joint-stock bank of jisji said: "the loan interest rate of our two suite is up to 30%, because the previous mortgage business has been done too much, so we must control the scale and contract the mortgage business according to the requirements of the superior. For two suites simply floating 30%, customers are willing to accept this price to do, do not accept to pull down.
in the east of a real estate, a city business staff said that the first suite can also give the benchmark interest rate, but there is a threshold, customers must meet certain conditions: that is to buy a year's financial products or deposit a year's deposit, and not less than 20% of the total loan, that is, 1 million yuan, to deposit 200 thousand of the fixed deposit.
step by step to tighten
the first suite of first suites in half a year, "four jumps"
this reporter learned that the floating rate of housing loan is a nationwide phenomenon, not unique to Ji'nan.
the average interest rate for the first suite of first suite loans rose to 4.99% in July this year, equivalent to 1.02 times the benchmark interest rate. This is the return to the benchmark rate for the first suite of loans across the country for four years after the emergence of a comprehensive benchmark interest rate in 2013. From the first apartment loan average interest rate trend, in July, the national first suite average interest rate increased by 2.25%, up 12.38% compared with 4.44% in July last year.
the government of a large state in jisji said the bank's allocation to the scale of the mortgage is closely linked to the level of interest rate execution, that is to say, in the case of the total plate, the interest rate of the loan is high and the amount of the mortgage is given priority to. All provincial branches must raise their prices if they want to grab the amount that is already tight.
in fact, this year, the first suite of housing loan policy has been tightening step by step, the new house before and after the Spring Festival still has 15% off of the preferential, but quickly 10 percent off become the mainstream, the first suite in May was generally adjusted to 5% off, some small and medium-sized banks to implement the benchmark interest rate. Subsequently, major banks abolished discounts and began to float in August.
the first suite loan interest rate will achieve "four links" in half a year. The industry generally believe that the impact of credit policy on the property market can not be underestimated. With the rising cost of housing funds, the market will be further suppressed.