The interest rate 30% discount off of the housing loan is cancelled favourably

The interest rate 30% discount off of the housing loan is cancelled favourably
Last night, reporters were verified from the general headquarters of Bank of China, its branch of Beijing really " made it rigidly uniform " to the business of the housing loan ,Have cancelled the housing loan preferential interest rate of 30% discount off in an all-round way. This measure has initiated citizens' disgust: The country encourages implementing policy favour to the first suite debtor, what is China's behavior to cancel being favourable in an all-round way?
Reporter contact other and the three and all right immediately, find Construction Bank, Industrial and Commercial Bank, agricultural bank sell by 30% discount still.
Respond newly
Cancel and does not grant the loan to the stock
Cancelling the decision of the thirty percent discount preferential interest rate to some branches of Bank of China, reporters were wired in Bank of China Shanghai Branch last night, the response of the relevant personage is still " The branch is uninformed " ,The staff members of a site in Shanhai Bank of China say, the branch of Shanghai has not got the notice yet, apply to sell by 30% discount. Insider claim Shanghai the intersection of branch and aspect is study the implementing regulation at present, different customers' condition corresponds to different interest rate.
The general headquarters of Bank of China verified last night: Bank of China price at, go on appropriate adjustment to personal the intersection of house and loan rate really recently, reduce personal the intersection of interest rate and favourable range of housing loan, rise to, 8.5 roll over first preferential interest rate of suite by 30% discount off. But the general headquarters of Bank of China have explained: It is only some branches at present " Cut " Have lost the preferential interest rate of 30% discount off; In addition what this decision is directed against is new applicant, do not influence the loan customer of the stock.
After it is favourable for Bank of China to cancel, reporter contact other and the three and all right immediately, find Construction Bank, Industrial and Commercial Bank, agricultural bank sell by 30% discount still, Bank of China is only a individual case. The branch of Construction Bank Shanghai says, the proportion of the down payment determines the preferential interest rate, the proportion of the down payment is greater than 40%, it is favourable to enjoy 30% discount off; Among 30%- 40%, it is favourable to enjoy 25% discount off in the proportion of the down payment; The proportion of the down payment is in 25%- 30%, it is favourable to enjoy 20% discount off; The proportion of the down payment enjoys 8.5 to roll over favourably among 20%-25%. In addition Pudong Development Bank, CITIC, the intersection of Ever Bright and the intersection of bank and the intersection of Shanghai and branch say, have one cut away 30% discount off to be favourable.
Debtor
Cancel and does not accord with the original idea of the policy favourably in an all-round way
The reporter notices, this action of Bank of China has initiated many debtors' dissatisfaction too. "State policies to attack congenial, encourage, have the intersection of rigidity and people of demand buy house, it is such for Bank of China not to cancel all too first favour of suite, we ordinary people can not afford the room further! " Lying in a site of Jing'an District in Bank of China, citizens Mr. Zhang complains. Another young lady handling the business says, block in what has been walked to handle business nearby in Bank of China because of the salary by oneself, since the favours to the business of the housing loan of this bank are all cut away, plan to change the other banks: "I feel some medium and small-scale banks have preferential interest rate to serve too well also. "
The relevant personage of the Shanghai Academy of Social Sciences comments on this: "The methods of some branches Bank of China ' make it rigidly uniform ' are not really enough for humanization. What the country emphasized is to award the letter steadily and surely continuously and pay attention to taking precautions against the credit risk at present, assuare that presses, as to the customer in the first suite, the policy of the bank should be that ' protect ', but not cut away favourably for the fear to the risk. " However, this expert says, the differential interest rate of future may become the trend to price, "this is not bad thing, the free choice that citizens can get a good buy by shopping around. " Because the market competition of the housing loan is fierce, though the large-scale bank is from managing the strategic consideration to carry out some adjustment to the interest rate of the housing loan by oneself, but to smaller commercial bank, the business of the housing loan is still the high-quality business that they should strive for hard.
Also the insider points out, some branches of Bank of China cancelled favourably because lent money and dashed too quicklily last year, can check the data reveal, Bank of China promoted a loan business unusually swiftly and violently last year, dash, in other several great to walk family, appear many to lower than housing loan wealth management product of 30% discount off while being favourable to interest rate, customer of VIP. "Though, the preferential interest rate products of housing loan have already been cancelled now, form the pressure to Bank of China too, should type a question mark on its capital sufficient rate, non-performing loan rate, so it is very difficult for Bank of China to continue the preferential policy this year. " A bank insider says.
Doubt
Would the other banks follow up after the Spring Festival
Though distribute new dispatchs up to the reporter, many banks and head office of Shanhai say " 30% discount off is too favourable to cancel " . But will this measure of Bank of China initiate the festivals of the other banks heel wind?
To sending the completely different view two times on this market, it is the trend that one party thinks the preferential interest rate urgent, other banks must tighten up too after festival, even will say that claims, have already issued and cancelled the internal opinion with favourable 30% discount off inside several banks; The view of another party thinks, the credit supply of this year is protected and accused of, as to the house-purchase people of the rigidity demand, so long as meet the verification condition of the bank, 30% discount off is favourable can still get and keep. "Bank of China has been only that some branches have cancelled 30% discount off favourably up till now, it is discontented to already initiate a great deal of, it is believed that other banks will learn a lesson too, pay attention to one's own commercial image, deal with the interest rate of the housing loan comparing ' humanization '. " A unwilling supervision personage who reveal the name thinks.
The reporter notices, since the end of last year, really the tendency which become tight exists in the business of the personal housing loan. For example many banks say the favourable situation of the interest rate wants " look at the personal situation " " the distinguishing is treated " for sum ,This actually implies obtaining preferential interest rate to need to meet a great deal of requirements: If the single debtor must be that individual buy house on loan for the first time; The married debtor must be a first loan house purchaser in the kinsfolks, such a debtor could enjoy a suite to grant the loan favourably; Require monthly income prove more than 2 times in monthly mortgage, must offer with income proving half a year more than the intersection of bank and flowing water,etc. that conforming.
In addition, the bank insider says: "Since the beginning of this year, grant the loan, it tightens up to be irrefutable fact already gradually, head office the intersection of loan and amount die definitely every month, if go beyond the monitored plan of head office at the end of the month, besides circulating a notice of criticism, will punish. " Before this, Bank of China has already fallen into Bank Supervisory Committee to " dash " because of its business of housing loan Too quickly, already to the rumor of the deposit reserve ratio of difference of actually doing.
And last December, Central Bank determined to strengthen the policy implementation of differential credit. The reporter is wired in the credit department of every large bank of Shanhai this morning, there is " acts on one's own " in the bank Draft the space of the interest rate, the difference between a loan interest rate may be further widened among the banks after the Spring Festival.
Background
The housing loan of last year of Bank of China " Wash violently "
Last September, the intersection of citizen and Mr. Wang claim, receive message of Bank of China, say and hold the interest of province and support the activity at present, if choose to transfer to mortgage, the rate per annum of the house can be reduce to 3.78%; The intersection of citizen and Mr. Yu reflect, receive telephone of Bank of China, claim " the ideal family " that should walk too It is favourable to popularize, the preferential interest rate of the housing loan can be hit to 6.4 and rolled over. What concept are 3.78% of loan rate? This means common reserve funds have 3.87% lower loan rate than at present, at present, interest rate of RMB of the commercial loan of our country is 5.94% in more than five years, what the common loan rate of the housing loan is referred to is this interest rate, and the interest rate of 30% discount off known very well for everybody means promptly favourably that makes 30% discount off on the basis of interest rate in five years, namely 5.94% * 70% =4.158%. Have dialed 6.4 to roll over in other words.
The response at that time of Bank of China was: Bank of China has been lending money according to the standard of Bank Supervisory Committee strictly all the time, has never fixed any preferential interest rate without permission, also without any special arrangement, " 6.4 is rolled over " It is Bank of China " The province stops and supports " One sincere financing products. The reporter verifies newly, this fund caused the products discussed warmly to already stop selling last year.
Last night, reporters were verified from the general headquarters of Bank of China, its branch of Beijing really " made it rigidly uniform " to the business of the housing loan ,Have cancelled the housing loan preferential interest rate of 30% discount off in an all-round way. This measure has initiated citizens' disgust: The country encourages implementing policy favour to the first suite debtor, what is China's behavior to cancel being favourable in an all-round way?
Reporter contact other and the three and all right immediately, find Construction Bank, Industrial and Commercial Bank, agricultural bank sell by 30% discount still.
Respond newly
Cancel and does not grant the loan to the stock
Cancelling the decision of the thirty percent discount preferential interest rate to some branches of Bank of China, reporters were wired in Bank of China Shanghai Branch last night, the response of the relevant personage is still " The branch is uninformed " ,The staff members of a site in Shanhai Bank of China say, the branch of Shanghai has not got the notice yet, apply to sell by 30% discount. Insider claim Shanghai the intersection of branch and aspect is study the implementing regulation at present, different customers' condition corresponds to different interest rate.
The general headquarters of Bank of China verified last night: Bank of China price at, go on appropriate adjustment to personal the intersection of house and loan rate really recently, reduce personal the intersection of interest rate and favourable range of housing loan, rise to, 8.5 roll over first preferential interest rate of suite by 30% discount off. But the general headquarters of Bank of China have explained: It is only some branches at present " Cut " Have lost the preferential interest rate of 30% discount off; In addition what this decision is directed against is new applicant, do not influence the loan customer of the stock.
After it is favourable for Bank of China to cancel, reporter contact other and the three and all right immediately, find Construction Bank, Industrial and Commercial Bank, agricultural bank sell by 30% discount still, Bank of China is only a individual case. The branch of Construction Bank Shanghai says, the proportion of the down payment determines the preferential interest rate, the proportion of the down payment is greater than 40%, it is favourable to enjoy 30% discount off; Among 30%- 40%, it is favourable to enjoy 25% discount off in the proportion of the down payment; The proportion of the down payment is in 25%- 30%, it is favourable to enjoy 20% discount off; The proportion of the down payment enjoys 8.5 to roll over favourably among 20%-25%. In addition Pudong Development Bank, CITIC, the intersection of Ever Bright and the intersection of bank and the intersection of Shanghai and branch say, have one cut away 30% discount off to be favourable.
Debtor
Cancel and does not accord with the original idea of the policy favourably in an all-round way
The reporter notices, this action of Bank of China has initiated many debtors' dissatisfaction too. "State policies to attack congenial, encourage, have the intersection of rigidity and people of demand buy house, it is such for Bank of China not to cancel all too first favour of suite, we ordinary people can not afford the room further! " Lying in a site of Jing'an District in Bank of China, citizens Mr. Zhang complains. Another young lady handling the business says, block in what has been walked to handle business nearby in Bank of China because of the salary by oneself, since the favours to the business of the housing loan of this bank are all cut away, plan to change the other banks: "I feel some medium and small-scale banks have preferential interest rate to serve too well also. "
The relevant personage of the Shanghai Academy of Social Sciences comments on this: "The methods of some branches Bank of China ' make it rigidly uniform ' are not really enough for humanization. What the country emphasized is to award the letter steadily and surely continuously and pay attention to taking precautions against the credit risk at present, assuare that presses, as to the customer in the first suite, the policy of the bank should be that ' protect ', but not cut away favourably for the fear to the risk. " However, this expert says, the differential interest rate of future may become the trend to price, "this is not bad thing, the free choice that citizens can get a good buy by shopping around. " Because the market competition of the housing loan is fierce, though the large-scale bank is from managing the strategic consideration to carry out some adjustment to the interest rate of the housing loan by oneself, but to smaller commercial bank, the business of the housing loan is still the high-quality business that they should strive for hard.
Also the insider points out, some branches of Bank of China cancelled favourably because lent money and dashed too quicklily last year, can check the data reveal, Bank of China promoted a loan business unusually swiftly and violently last year, dash, in other several great to walk family, appear many to lower than housing loan wealth management product of 30% discount off while being favourable to interest rate, customer of VIP. "Though, the preferential interest rate products of housing loan have already been cancelled now, form the pressure to Bank of China too, should type a question mark on its capital sufficient rate, non-performing loan rate, so it is very difficult for Bank of China to continue the preferential policy this year. " A bank insider says.
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