Author: Zhou Fang source: Ji'nan daily
building (data photo)
all banks in Ji'nan suspended from the end of last year The mortgage has been re opened. Reporters visited 9 banks in Ji'nan on the same day and learned that the interest rate discount coefficient of old banks has not changed this year, and they can continue to enjoy 30 percent off interest rates. At the same time, new housing loans in some banks still get 15% off interest rate concessions.
old housing loans still enjoy the "best interest rate in history"
with the introduction of the new mortgage policy, all banks in our city began to raise real interest rates in the second half of last year. Most banks will increase the interest rate discount of the first suite to 15% off, and some banks completely cancel the interest rate discount and carry out the benchmark interest rate. This month, the old mortgage is to adjust the monthly payment according to the new interest rate. Many people are worried: can they enjoy the 30 percent off interest rate, can they enjoy this discount this year?
the reporter has consulted the Ji'nan industry bank, the Construction Bank and other related heads of banks. No notice has been received to adjust the discount coefficient, so we can continue to enjoy 30 percent off discount now. The 30 percent off discount for old mortgages can continue, which is undoubtedly a good thing for lenders. The 30 percent off interest rate that began 3 years ago has been regarded as the "best interest rate in history".
the new housing loan audit conditions are more stringent
the beginning of each year, the mortgage loans of various banks are relatively well-off, but this year it is abnormal. Reporters today have learned from many banks in Ji'nan that many banks have been carefully lending this year because of the "lessons" that led to regulatory concerns at the beginning of 2010. Citizens can still get a 15% off interest rate discount in some banks, but the audit conditions are much stricter than before.
a mortgage manager of Bank of China told reporters: "we can apply for a 15% off interest rate discount here." However, in addition to meeting the requirements of first suite, no loan and good credit, other conditions are also required. These conditions include bank VIP customers, teachers, civil servants, doctors, staff in institutions, etc. Reporters learned from the industrial and Commercial Bank of China, to meet the requirements of the mortgage customers can give 15% off interest rate concessions. The reporter consulted the customer manager of many banks, most of them said that the 15% off interest rate discount is not difficult to apply yet, but the 30 percent off interest rate discount will not happen again.
repay the loan account do not forget to deposit more money
in 2010, the central bank two increase in interest rates, according to the loan interest rate "the following year adjustment" general rules, this month the old mortgage to carry out the new interest rate. It is estimated that after two increases in interest rates, the interest rate over five years will rise from 5.94% to 6.40%. The lending rate of 30 percent off will be adjusted to 4.48%, 15% off to 5.44% and 1.1 times to 7.04% loan interest rate. With the total loan amount of 500 thousand yuan, the term of 20 years' loan and the method of equal principal and interest repayment, the three cases will be 86 yuan, 109 yuan and 149 yuan a month this year.
People's Bank of China Ji'nan branch reminded that the people who need to repay the mortgage can contact their own loan banks to find out the time nodes of the increase in the amount of the mortgage and the monthly supply after the increase of interest rates, and adjust the amount of the repayment in time. If the public still repayments in accordance with the previous monthly payments, it may be overdue and will leave a negative record on the record of personal credit, which will affect the management of the re loan and credit card. Bank managers also remind mortgage clients that a few hundred yuan can be deposited more in the mortgage account in order to avoid bad records due to insufficient bank withholding.