It is difficult for many banks in Ji'nan to get the first mortgage interest rate.
http://finance.eastmoney.com/news/135920130627301493063.html
in this "money shortage" event, not only has brought a setback to the stock market, but at present, this force has gradually spread to the personal loan business.
yesterday, reporter telephone line of China Bank (market share bar trade point), traffic bank (market share bar trade point), industrial and Commercial Bank (market share bar trade point), Agricultural Bank (market share bar buying and selling point), Construction Bank (market share bar trade point), Chinese Bank (market share bar trade point), China Credit Bank (market share bar trade point), Minsheng Bank ( Ten banks, such as the service hotline, found that the first suites of the Bank of China, industrial and commercial bank, China Merchants Bank (market share bar), CITIC Bank and other first suites loan interest rate has been restored to the benchmark interest rate.
a personal loan customer manager at a commercial bank, Ji'nan branch, told reporters, "although there is no new policy now, it will not be so easy to get 15% off or ten percent off of the loan interest rates before. Today, mortgage auditing may be more stringent, to examine personal qualifications, age, loans, personal age and so on. And for the first time to be approved, the loan time before the end of June can be reduced until July. A month ago, the reporter also dialed an artificial customer service call from China Merchants Bank. At that time, the customer service representative said, "the discount on the interest rate of the first suite is 15% off or ten percent off, and a series of personal qualifications should be taken into account. In this connection, the representative of the customer service is not talking about discounts." It only introduces "6.55% of the national benchmark lending rate."
interview, the reporter learned that the current personal first suite more than 5 years loan interest rate 6.55%, personal car (market) loan within 3 years (including 3 years) benchmark interest rate is 6.15%, more than 3 years of personal car loan interest rate 6.4%. A customer manager from a large state-owned commercial bank said, "the main impact of the money shortage is on financial products, and banks are eager to absorb short-term deposits. The best way to get fast storage is to sell high yield financial products. In terms of loans, the short-term will not be immediately reflected, there will be a process. "
in the face of slow rate of loan approval and reduced discount, a real estate agent also agreed. "Banks will not tighten their mortgage business until October." A real estate agency staff said, "and now it is beginning to tighten, and the current banks' money shortage 'has a certain relationship, and also in March and April, the second hand housing property market was affected by the five issues, many banks have hit 15% off or ten percent off of the loan interest rate concessions, many banks lending and appointment. We will accomplish higher business and turn to other businesses with higher profits when the loan amount is limited.