Ji'nan first house loan bid farewell thirty percent off interest rate Era
source: the Ji'nan daily
30 percent off rate of mortgage loans at the time has finally become a "history". Reporters from a number of banks in Ji'nan, recently received the notice of the head office, cancel the first suite loan interest rate thirty percent off discount. At the end of the year, banks have not yet seen the tide of repayment in advance.
old mortgage interest rate discounts are
at present, all banks in Ji'nan strictly carry out the new housing loan policy, and all the applicants who intend to loan are handled according to the new mortgage policy. However, relative to the cancellation of the first suite of 30 percent off preferential interest rates, more people are concerned about the adjustment of the stock loan policy, many of the stock loan customers are worried about to be affected. "The first set of mortgage rates I handled before the first set of interest rate is 30 percent off interest rates, now each bank has carried out the first mortgage rate of 15% off, my mortgage interest rate is also to implement the new policy?" yesterday morning, Ms. Zhang came to the business hall of a bank in the city to consult the staff of the bank.
Construction Bank a staff member told reporters that the previous year has completed the housing loan procedures and the loans have been released in accordance with the rate of mortgage rates at that time. "That is to say, if the borrower completed the first set of the first set of mortgage interest rate 30 percent off formalities, and has already released, this part of the borrower still enjoy the original interest rate preferential policy. At the same time, the borrowers' repayment policies that have already handled two sets of mortgage loans and three suites are just as they used to be.
reporter learned in an interview that now the banks did not receive interest rates to raise the loans, but the borrowers have enjoyed more preferential policies in the future or an unknown. A joint-stock bank mortgage department head said that when the contract was signed at that time, it did not specify how long the interest rate of the mortgage was 30 percent off, and the cancellation of the housing loan was a "word".
housing loans for the next month to adjust the month for
"last month to increase the interest rate, my mortgage month for this month will not rise ah?" Mr. Wu, the 20 day of the housing loan, before the monthly repayment of more than 1780 yuan. I wonder if this month's supply will increase. In fact, we are far more worried than Mr. Wu. Recently, many mortgage slaves went to the bank to ask whether the mortgage repayment amount has been adjusted this month. "The loan business which has already been released has remained unchanged according to the original interest policy." ICBC staff said, "but according to the state regulations and the general bank notice, from January 1st next year, this part of the loan has been paid in accordance with the current interest to interest."
the head of the retail loan department in Ji'nan branch of Xingye Bank said that the default floating rate of the bank is the next year adjustment, which is the first month to adjust interest rates for the next natural year after the interest rate increases. Take the interest rate increase as an example, mortgage customers mostly start interest rates next month. If the mortgage customers and banks agree to adjust the next month, they will adjust their monthly payments next month after raising interest rates, but this is rare. He suggested that when people understand their interest rates, it is better to ask direct lending banks.
advance repayment tide has not yet appeared
the "control portfolio" in the face of the mortgage market, is there a citizen choosing to repay the loan in advance? In an interview, the reporter learned that all the banks in Ji'nan have not significantly increased their loans.
Ji'nan Agricultural Bank said that there will always be a lot of customers who repay the loan ahead of the end of the year, but this situation has not yet appeared. CCB staff said that because of the stock mortgage policy has not been adjusted, the stock of mortgage customers have not had a substantial impact, so it is not likely to lead to the tide of early repayment. The Bank of China also said that after the central bank continued to raise interest rates in 2007, many citizens chose to pay back in advance, which did not lead to the early repayment tide, and the overwhelming majority of the mortgage clients were still paying the money.
according to an analysis by a financial manager of the Ji'nan branch of China Merchants Bank, due to the tightening of the recent credit policy, once the payment is made in advance, if the loan is applied to the bank again, the difficulty is bound to increase, and the cost of the loan will be higher because of the increase of interest rate and the cancellation of the 30 percent off preferential. At the same time, the stock market, such as the capital market is more explosive, mortgage customers if they have idle money, obviously more willing to invest to gain high income, and will not be 0.2 percentage points to increase interest rates, eager to repay the loan in advance.