“I have heard
bank mortgage interest rate discount will increase these days buyers are very active, consulting, showings has been significantly increased.” I love my real estate brokerage firm Market Research Manager Li Chen told reporters.
reporter learned from the engineering, agriculture, construction four lines on the 12th, four head office does not change the credit policies of housing loans to individuals, but around the branch of actual operation flexibilities, discount relaxed. Experts said that the bank liquidity, and corporate demand, resulting in buyers discount the chance to increase.
major bank mortgage policy is mostly on hold, but there are also individual banks, “Dare”. Guangdong Huaxing Bank recently announced a high profile: the individual housing loan rates as low as 30 percent off. But to achieve the exceptionally harsh conditions of 30% off: to have the line of financial products to achieve a certain degree of financial integration, deposit the amount of several million dollars.
At the same time, the joint-stock banks are also waiting to see. Huaxing banks smaller, and will not be much impact on the market, whether to increase the discount efforts, I am afraid that depend on big firms. “A joint-stock commercial bank staff told reporters.
the Beijing area, the banks did not play 20% discount, but customers deep discounts probability big. Middle of last month, 10% interest rates are more difficult task is extremely rare, 15% more customers to obtain 85% discount, but now increased significantly. “A state accusing him of staff, told reporters.
Li Chen introduced, I love my real estate brokerage firm’s data show that the number of buyers to obtain mortgage 85% discount has indeed increased. “Banks will normally be adjusted according to the business and market the first suite of interest rate discounts to encourage consumer loans, the purpose of stimulating the economy, 85% off in the future should be more and more common.”Zhao Qingming,
financial experts believe that the current economic downturn pressure, uncertain prospects for business development and lack of demand for credit. In contrast, the mortgage business with a stable and a lot of demand for credit and down payment and mortgage, with less risk. Therefore, in order to stimulate the individual consumer credit, mortgage business to increase the possibility of preferential larger.
In fact, the regulatory body has always been to encourage banks to develop consumer credit business. Bank 7% interest rate era is gone, but the central bank personal loan interest rate floating range of the lower limit for the benchmark interest rate 0.7 times the standard has not changed. Interest rate cut the day the central bank to the commercial banks “Seniors  No. 142 document reaffirms the lower limit of lending rate increased by 0.9 times the benchmark interest rate to 0.8 times, personal loan interest rate floating range lower limit is still the benchmark interest rate of 0.7 times. “
In recent years, banks are the personal credit expansion as a strategic area of focus. However, in practice, limited credit resources, the banks are more inclined to the consolidated income rate of corporate loans corporate credit demand and bank bargaining space.
“but this year is special, elusive premise of the risk of corporate loans, credit-capitalized banks are more valued consumer credit business.” Central University of Finance and Economics banking research center Guo Tian Yong said, “but whether it will preferential margin expanded to 20% off, but also according to the turnover in the next few months, market conditions and other banks will discount. “
“banks to increase mortgage discount the intensity will again push up house prices?” is preparing to buy a house Miss Cui anxiously asked the reporter.the
experts believe that the past two years, commercial banks for the first mortgage interest rates and benefits have been changing since the 70% interest rate disappear, the first suite of interest rates since early 2010, all the way up last year was up 10% to 40 % of cases, and later to reproduce 10%, 85 interest rate discount. Previous changes, bank mortgage policy rate and the discount adjustment did not significantly affect the price trend.
first suite of changes in interest rates and house prices Change and there is no direct relationship buyers who give more consideration to real estate is expected to control policy. “said Zhao Qingming.
In addition, the CBRC recently developed by the commercial banks’ capital management (Trial) “the risk weighting of the two sets of mortgage re-reduced to 50%, heavy with the risk weighting of the first suite.
Guo Tian Yong believes that the current first suite and two suites of risk weights “equal” is the Bank to encourage consumer lending angle of departure adjustments. The Bank lowered the risk weights of the two suites, means that the operating suite loan approval may be smoothly than the original.
but he also stressed that the current macro-control efforts to control the government purchase of the two suites are not reduced, the policy of the banks of the two suites loans has not changed, based upon the benchmark interest rates go up 1.1 times the implementation of the down payment The proportion of 60%, not much that can operate on the interest rate concessions space.
(reporter Wu rain, Liu Lin)