First housing loan in Ji'nan
source: Qilu Evening News
"the first set of mortgage interest rates can be 10 percent off?" recently several banks first set of mortgage interest rates discounted news, reporter found that the Bank of Ji'nan in Shandong has not discounted. However, "the first mortgage interest rate into the downstream channel" has become a consensus among many people in the industry.
recently, it has been said that many banks have given interest rates to the first set of high quality customers. "According to the risk, the first rate of the first set of mortgage rates of the Bank of China, Citibank and Huaxia bank can be 10 percent off on the basis of the benchmark interest rate, and the first rate of the first housing loan of the agricultural bank can be 5% off."
"many customers today have heard about the news and have called to ask whether the mortgage interest rate can be discounted." 5 afternoon, the Bank of China Ji'nan branch credit officer told reporters that they did not receive notice of mortgage policy adjustment, the first mortgage is still the lowest benchmark interest rate.
in addition, the Shandong branch of the Agricultural Bank of China also denied that the first set of mortgage discounts had been discounted, and the bank still carried out the lowest benchmark interest rate.
since the state has strengthened the regulation of the property market, the rate of mortgage rate discounts is basically extinct in the market. As the liquidity of the bank is tightened, the banks have also adjusted the first set of mortgage rates from the benchmark to varying degrees.
, however, under the guidance of "implementing the differential housing credit policy to meet the first common housing loan demand", the first housing loan policy began to loose from the beginning of this year. The four major state-owned banks have reduced the first mortgage rate to the benchmark, and the mortgage rates of some shareholding banks have also been downgraded. "
" although most banks in the provincial capital of the first mortgage rate is not discount discount, however, with the liquidity of bank liquidity is easing, the first set of mortgage interest rates still have a space to reduce. A person in the provincial capital of a commercial bank, credit department, said.
another source of news, recently, China's four state-owned banks in Beijing held a symposium to study the differential housing loan policy, and will "join hands" to control the first set of mortgage interest rates within the benchmark interest rate. According to the analysis of the industry, "small and medium-sized banks will follow pricing in the demonstration of big banks."
reporters understand that, at present, the regulatory authorities have not adjusted the mortgage policy, and the interest rate of the first set of mortgage loans should not be less than 15% off, and the down payment number should not be less than 30%. The first mortgage interest rate should be maintained on this "red line" if the interest rate is lowered.