The four major state-owned banks cancelled the 30 percent off preferential policy of the first suite loan.
source: the capital of the new Beijing newspaper
down payment of 2 per cent is up to 20 percent off; the four major state-owned enterprises "Cancel" the first housing loan 30 percent off preferential
the reporter learned yesterday that the general bank of China Agricultural Bank has issued a document to the branches, from April 1st, will be The interest rate of the first suite was raised from 30 percent off to 20 percent off. So far, the four major state-owned banks have adjusted interest rate 30 percent off preferential policies.
reporters learned from the Agricultural Bank of China that since April 1st, the down payment 20% has enjoyed 20 percent off interest rate concessions. At the same time, the implementation of the new loan policy should be applied flexibly by the lender's specific circumstances, such as the good credit situation of the lender, the large scale of the loan, or the clients of the Bank of agriculture, and the customers who buy the bank's financial products can enjoy a more favorable loan interest rate.
with the Agricultural Bank's 30 percent off interest rate adjustment, the four state-owned banks have already tightened the preferential policy of the first suite 2 down to 30 percent off interest rate. Among them, the Bank of China, ICBC and ABC have explicitly abolished the 30 percent off interest rate discount. CCB needs to pay 4 or more interest rates to fight 30 percent off. Starting from April 1st, if the first payment is 2, ICBC will execute interest rate of 15% off, and CCB and ABC will execute interest rate of 20 percent off. If the proportion of the down payment is higher, the interest rate can be slightly reduced. The Bank of China raised the lending rate of the first suite to 15% off.
while the loan interest rate is gradually improving, the application of mortgage loan is becoming more and more difficult. Property buyers Mr. Wang told reporters that the mortgage he applied for in January was notified by the bank at the end of March, and was rejected by banks because of several overdue records.
it is understood that at the beginning of this year, many banks had implemented credit control, and the mortgage business has been suspended or suspended for some time. Although mortgage lending was restored to normal in February, it was very critical in the choice of customers, and some loan clients who were considered "higher risk" after comprehensive evaluation faced more stringent loan conditions.
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preferential cancellation of "real home buyers"
7 discount discount, non investment buyers pressure increased, investment customers affected smaller
after the bank clearly canceled 30 percent off mortgage interest rates, ICBC also issued a notice, the first suite no longer enjoy 30 percent off interest rates. Mortgage interest rates are being gradually reduced or even cancelled. Under the background of macro regulation and control of the property market, the measure to curb speculative demand is very clear. But some people in the industry worry that the "hit face" will affect the rigid demand, or even form "investment speculation demand" to "rigid demand" "extrusion effect"?
"30 percent off loan basically do not get down"
these two days, Shanghai white-collar Chen silver in the East Garden Jia Jia garden near the outer ring to see a set of 77 square meters of house, the total price of nearly 1 million 400 thousand yuan. Although it is the first place to buy, but in the application of the loan, the intermediary told him that the Bank of industrial and Industrial Bank, construction bank and other banks have closed the door to the 30 percent off interest rate, and the threshold of some small banks has also been greatly improved.
reporter learned from the Shanghai branch of ICBC that the bank has cancelled the first mortgage loan interest rate of 30 percent off, if the first payment is only 20%, the loan interest rate can only be hit to 15% off, the first payment is 30% and above, the loan interest rate can be hit 20 percent off, of which the good quality customers with good credentials can enjoy 25% off preferential.
Construction Bank, Shanghai branch of Minhang branch, a staff member told a reporter that the first suite is different according to the first payment, the loan interest rate is different: the first payment is in 20%-25%, the loan interest rate is 15% off, the first payment is in the 25%-30%, the interest rate can be hit 20 percent off; the first pay more than 30% can enjoy the profit rate 25% off. For reporters "down payment more than 40% can enjoy 30 percent off interest rates" inquiry, the staff said: "say so, but basically do not do."
in fact, commercial banks, such as China Merchants Bank, Shenzhen Development Bank and Xingye Bank, cancelled the first suite of 30 percent off interest rates at the beginning of this year, raising the threshold to 15% off; for the second suite loans, the benchmark interest rate was generally implemented even up to 10%.
"I used to know that the second suite has no loan discount. I didn't expect that even my first purchase would be implicated." Chen Di said helplessly.
Zhao Wei, deputy general manager of Shanghai famous individual loan agency, investment consulting Management Co., Ltd., said that the focus of the bank this year is rather than "making scale", rather than "making profit", which is based on the reduction of interest rate concessions. Behind this is the apparent tightening of bank credit. Zhao Wei introduced, in addition to the gradual cancellation of interest rate concessions, another outstanding performance is to run the loan cycle lengthened, from the application to the loan is generally about 40 days, and now it takes 55-60 days. In late March, banks also had to face the conditions of the loan application, saying that they had no quota, and had to wait until April.
investors do not care about the discount, cancel
in response to the change in interest rates, the reporter counted the accounts. Take the first purchase of a 1 million 500 thousand yuan housing as an example, the down payment is 30%, and the loan is 70% or 1 million 50 thousand yuan. At present, the current 5 year loan benchmark interest rate is 5.94%, the 30 percent off interest rate is 4.158%, and the loan year is 15 years, then each month is reimbursement of 7850.12 yuan. After 15 years, the interest rate is 1 million 413 thousand and 22 yuan, of which the interest is 363 thousand and 22 yuan. If the 20 percent off interest rate is 4.752%, the monthly repayment will be 8168.32 yuan, and 15 years later, the interest rate will be paid 1 million 470 thousand and 298 yuan, of which the interest rate is 420 thousand and 298 yuan.
the interest rate changes 90 percent off, which costs more than 318.2 yuan per month. Chen Di's monthly income is about 8000 yuan. He has decided to share the burden with his girlfriend after buying a house. He said: "at present high house prices, for the first buyer, even 30 percent off interest rates, the monthly repayment to consume a large piece of income, and then increase 100 yuan is not a small burden."
, however, for small investors who made a lot of money last year, the small change in interest rates caused much less pressure on them. Even if the two suite, the benchmark interest rate up to 10% to 6.534%, the purchase of the housing to pay 9166.26 yuan per month, more than 1316.14 yuan per month, in the strength of their own funds, house prices are still rising in the situation, more than a thousand yuan to the investment guests, the house, finished in the acceptable range.
Chen Shiling, general manager of Yongqing housing, said that in the current financial situation, investors are most concerned about not the bank's interest rate, but the loan amount, "as long as we can borrow money, the changes in interest rates do not care too much."
Xinhua News Agency