Ji'nan's four largest state-owned banks return the benchmark interest rate to their first home loan.
buy the first suite to enjoy the benchmark interest rate. With the recent adjustment of the housing loan policy by the Bank of agriculture, at present, the lowest interest rates of the first four sets of mortgage loans in the provincial capital cities have all returned to the benchmark, which has brought positive benefits to the buyers who just need to buy houses. In contrast, the joint-stock banks are mostly "stay put" and the lowest need to float 5%-10%.
"recently, the higher authorities are adjusting the mortgage policy, and there is no official below." 27, the Agricultural Bank of Shandong branch business department told reporters that the first mortgage interest rate before the bank generally rose, now has the benchmark interest rate.
actually, before the ABC, the Bank of China and China Construction Bank had adjusted the first suite loan interest rate to the benchmark interest rate. 27, the Bank of China Ji'nan branch told reporters that the first set of mortgage loans can enjoy the lowest benchmark interest rate. The staff of the Bank of China Construction Bank, Quancheng Road branch, also said that as long as the customer's credit is good and the work is stable, the benchmark interest rate can be applied, and the first set of mortgage rate of the bank is at least 5%.
in the Bank of the industrial and commercial calendar, it said that the bank's first mortgage is the lowest benchmark interest rate, and the two suite floated 10%. This policy has been carried out for a long time. Compared with
state-owned big banks have lowered their first mortgage interest rates, and the joint-stock banks have remained steady, and most banks are "holding the line". Ji'nan branch of CITIC Bank told reporters that the bank's first mortgage interest rate has not changed in the near future, the lowest up 5%, the specific situation is also to look at the borrowers' qualifications, two suites generally floating 10%.
Huaxia Bank also implemented the first mortgage interest rate floating 10%, has not changed. Qilu bank Lishan Branch staff said that the bank's first mortgage interest rate rose 30%, two suites floating 40%. "Mortgage business has long been occupied by funds and costs a lot," the staff explained why mortgage prices were not reduced.
in addition to the interest rate is not loose, individual joint-stock banks are still suspending the mortgage business. Minsheng Bank, a branch of the seven branch, said the bank had suspended personal loan business for a long time. "This year's mortgage policy has not been introduced," the deep development of Ji'nan branch said that although the bank did not stop, but the mortgage is not this year's business focus, do not much.
analyze the return of the first mortgage interest rate which is difficult to change
regulation, nor is it a signal to relax the policy of regulation and control. Previously, the first mortgage interest rate "floating up" is closely related to the environment. Last year, the central bank raised its deposit rate for the six time, and the three increase in interest rates made the capital market full of tension. Against this background, many commercial banks such as Beijing and Shanghai quietly raised their first suite loan interest rates.
entered the new year. The easing credit environment at the beginning of the year created conditions for the relaxation of the first housing loan, when the change in the first set of home loans returned to the benchmark interest rate was only moderate, and the goal was limited to the demand for self housing. 銆�