Ji'nan's first home loan interest rate rises, some banks float 5%-20%
Author: Sang Hai wave
the first set of mortgage interest rate 30 percent off has become a glance, even if it is the implementation of the benchmark interest rate is also rare. In Ji'nan, Shandong, the first suite loan of the CCB rose 5% on the basis of the benchmark interest rate. Earlier, several banks in Ji'nan had raised the first suite loan interest rate.
14 afternoon, I consulted the Construction Bank of the Bank of Ji'nan Quancheng Road branch of the Construction Bank in the afternoon, the staff said, receiving the notice from the higher authorities, from September, the loan interest rate of the first suite floated to 1.05 times the benchmark interest rate, and the actual interest rate implemented the differential interest rate policy according to the different conditions of the loan customers. Prior to that, the first suite of loans to implement the benchmark interest rate.
with the increasing tension in bank credit, it is impossible for the first suite to discounted, and even the banks that carry out the benchmark interest rate are not much. In Ji'nan, CCB was not the first to raise the first home loan interest rate. Previously, China Bank of China, Agricultural Bank of agriculture, Bank of communications and most joint-stock banks have risen to 5%-20% on the basis of benchmark interest rates, and a few banks, such as deep development and people's livelihood, have no longer done personal housing loans.
"the tighter the credit line is, the mortgage interest rate may continue to rise, and will not relax in recent months." The head of the Personal Banking Department of a provincial capital bank said, "the credit limit is less, but the profit index has not been reduced. We can only do business with high income, that is, small and medium enterprise loans and personal management loans." The lending rate of SMEs can at least float 30% on the basis of benchmark interest rates. After
interest rate adjustment, the interest burden of buyers is correspondingly increased. Take 20 years of 1 million yuan housing loan as an example, the current benchmark interest rate is 7.05%, up to 1.05 times the interest rate is 7.40%. After floating up, the borrower needs to repay more than 211.87 yuan a month, and the total interest is increased by 50847.88 yuan in 20 years.