Abolition of the four major banks or prime rate loans first suite

 Following the joint-stock banks had total abolition of preferential interest rate loans after the first suite, recently, the four major banks have begun lending suite on the first knife, the first prime rate loans suites facing the fate abolished.

Following the joint-stock banks had total abolition of preferential interest rate loans after the first suite, recently, the four major banks have begun lending suite on the first knife, the first suite prime rate loans face the fate of being abolished.

abolition of joint-stock banks offer

Recently, Beijing broke the news that ICBC Beijing mortgages since yesterday started the New Deal, the first suite to buy second-hand housing, in principle, are in accordance with the implementation of the benchmark interest rate, eliminating the preferential rate to float downward earlier; buy a new house, real estate developers development loans in the bank accepted, the first suite of real estate can perform the benchmark interest rate a loan can also be the implementation of a minimum of 8.5 fold. There will be some flexibility in the specific implementation, such as VIP customers may have some interest rate concessions.

Yesterday, the reporter called part of ICBC branch in Guangzhou Finance Department staff learned that the news is that, for the first suites loans, current interest rates still fall a minimum of 15%, but the policy at any time may be changed.

Cheng, Guangzhou, said Lu Zhiguang, general manager of the mortgage game, said the Guangzhou market, joint-stock banks has almost fully abolished the preferential interest rate loans first suite. Last week, the broad issue that the implementation of the benchmark interest rate on the first suite; deep development issued a notice that the credit for the first suites interest rates go up 10% of the implementation of the New Deal. Although many banks have not made it clear that the first suite to cancel the preferential interest rate loans, but has rarely issued the first suite lending rate to float downward, and some banks even if the loans have been granted the same book, but that changed on a whim, so the basic mortgage companies do not apply to the joint-stock bank loan of the first suite.

secretly four lines around the corner

Lu Zhiguang said after the four major banks who did not dare stand up to do the first one, so the maximum credit can still get the first suite to fall 15% preferential interest rates, but lending rates to fall out of the first few suites. Last two days, four lines at last action, banking department of a loan on the mortgage company said that if the customer accepts the benchmark interest rate, you can immediately loan; if we can only accept the interest rates will have to queue up to float downward, when no one can say lenders are not allowed.

Lu Zhiguang said that although the bank did not explicitly said it would cancel the first suite of prime rate loans, but has been interested in the benchmark interest rate to guide the customer to the estimated long, the market has changed we must comprehensively, and as long as there where a large First-line stand, other banks will soon follow.

two sets of mortgage down payment yet implemented

for the newly released two sets of mortgage down payment to 60% of the New Deal, Lu Zhiguang said the latest news from the banks is four lines will begin Feb. 1 New Deal, the Second Suite in recent days also in accordance with the old method for 50% down payment, but on the secondary market transactions due to the recent bleak, little impact.

Lu Zhiguang said that the current season comes just second-hand property market, coupled with the New Deal, leading to 5-year revenue rose within the house, now a rare second-hand property market, property inspection off scarce, many intermediary company stores day difficult to meet a customer buy a flat. Therefore, very few mortgage companies regard the recent delivery of parts for the transaction.

Bank rigid performance requirements are affected red

a banking source said, most banks are listed companies now have the pressure of performance assessment, is very tight this year, bank credit lines, natural hope to find a relatively high lending rates, the price of fill volume. Currently on the market of personal business loans, interest rates have generally go up about 20%, while the two sets of loans are generally only go up 10%, the first suite loan interest rates and even the need to float downward, so for the first suites loans, the banks do not have long positive, an-point person in charge of the Guangzhou Branch of Bank interviewed made clear that even when the bank loans this year, a focus on personal business loans, the mortgage, no new lines, only when customers Also back after a paragraph, only the amount paid out.

in Guangzhou, Chen has worked for a business to buy the first suite of marriage, see the recent market after a series of policies marvel: costs are getting higher and higher, and saw two of the rooms, I do not dare buy a house thing.