What information does the four major banks raise the interest rate of Beijings first mortgage interest?

category:Society
 What information does the four major banks raise the interest rate of Beijings first mortgage interest?


From the 15% off and 10 percent off of the benchmark interest rate to zero discount, up to 1.1 times now. As one of the effective measures to control the property market, the first mortgage interest rate in Beijing continued upward. Not only is Beijing, but since last year, the first suite interest rates of Shanghai, Shenzhen and Zhengzhou have been generally rising. Beijings four big companies also act at the same time because city strategy meets the needs of market regulation. The Beijing branch of ICBC said in an interview with a reporter that the first suite of loans accepted after May 7th (containing) was not less than 1.1 times the benchmark interest rate of the peoples Bank. Before May 7th, it can be implemented according to the original interest rate policy, but it should be completed before May 31st. China Construction Bank Beijing branch said that in May 7th (inclusive), the new mortgage business was accepted. In principle, the first mortgage interest rate baseline was adjusted to 1.1 times the benchmark interest rate. ABC and Bank of China also said this week that the first mortgage interest rate will rise to 1.1 times the benchmark interest rate. Whether to carry out the policy of floating interest rates to sign the net as a node, a few days ago, brokers are working overtime to do the material, and can sign the net as early as possible. 7 days net signed buyers begin to carry out the new credit policy. Mr. Zhang, a real estate agent in Chaoyang District, Beijing, said. Why the four major banks at the same time raised the first set of mortgage rates in Beijing? The director of the banking institute of the Financial Research Institute of the Chinese Academy of social sciences has just said that this is the need for the banks to adapt to the regulation of the national real estate market, on the other hand, the banks will consider themselves in the context of the high cost of capital and the strong demand for the credit of the enterprises. Resources are allocated to areas with higher returns and better mobility. Insiders pointed out that housing credit policy is an important means of Chinas real estate regulation, and the regulation of real estate in Chinas hot cities needs to continue. Take the Beijing area as an example, the volume of second-hand housing transactions picked up at the end of last year has been extended to this year. Since this year, in addition to the decline in the volume of holiday factors in February, the volume of second-hand housing volume in January and March were over 10 thousand sets, reaching 10 thousand and 400 sets and 11 thousand sets respectively. Under the regulatory tone of housing and housing speculation, the long-term mechanism and the implementation of the city strategy are still the driving force of the real estate policy. At present, in addition to strictly implementing the existing restriction and restriction policies, the regulation and control of hot urban housing loans is expected. Zhang Bo, the chief analyst at home, said. Reporters learned that before that, the first mortgage interest rate of China Everbright, CITIC, PUFA and other shareholding banks in Beijing has been 1.1 times the benchmark interest rate. CITIC Bank said that it still implemented 1.1 times the first mortgage interest rate unchanged. How much will the increase in interest rate increase Reporters in Beijing, Shanghai, Shenzhen and other hot city survey found that for buyers, loan interest rate means the increase in the cost of housing. Compared with this, some people who just need to buy a house feel that loans can be approved very well. In recent years, the first home loan interest rates of hot cities, including Beijing, have been going up all the way. According to the 360 data, the average national first suite loan interest rate in March 2018 was 5.51%, equivalent to 1.124 times the benchmark interest rate, and the ring rose by 0.92% in February and 23.54% last year. A reporter found that at present, there are still some banks in the Shanghai region providing the first set of preferential interest rates, but it is difficult to get the discount rates, and the lenders qualifications are very strict. CITIC Bank and Hang Seng Bank Shanghai areas first home loan interest rate even went up 20%. Not only is the first tier cities, Zhengzhou and other second tier cities, the first mortgage interest rates have also generally risen by 10%. Mr. Li of Beijing recently intends to buy the first suite of mortgages, commercial loans 800 thousand yuan, repayment period of 25 years. In accordance with the equal principal and interest repayment method, the interest rate will rise by 10% and the benchmark interest rate should be more than 69 thousand yuan. We are just needed, married to buy a house, regardless of interest rate is the benchmark or floating, the house is to buy, loans can be approved very well. Mr. Li said. Reporters visited Shenzhens major banks to understand that some banks have slowed the approval of mortgage loans. Now the new personal loan examination and approval is more difficult, a few months ago, the application is still backlog. A large bank customer manager in Shenzhen told reporters. Banks have stepped up the audit of loan qualifications and have slowed down their lending rates for prudential supervision. Zeng Gang said, the market environment has changed a lot, and the protection of rigid demand is mainly to ensure the supply of loans. Mortgage growth overall decline, we should increase support for reasonable demand. Since last year, in the big background of the strict regulation of the real estate market, the growth of the banks mortgage and the overall housing loan has declined, which is one of the reasons for the slowing of the price increase and the smooth market in some hot cities. However, analysts pointed out that housing credit should not only help prevent risks, curb bubbles, but also meet the needs of residents for rational housing demand. Zhang Dawei, chief analyst at Zhongyuan Real estate, said that the benchmark interest rate is relatively low at present, even if it is not up to 10%. As the cost of capital continues to rise, mortgage interest rates continue to face rising pressure. Banks should take measures from the loan quota, interest rate, approval and other links to give priority to the demand for home ownership and improved housing demand. The financial management departments should encourage commercial banks to increase their support for the demand for reasonable purchase, such as the appropriate incentives to the first set of banks, which have been paid more for the first set of mortgages. Dong Ximiao, senior researcher at Chongyang College of finance, Renmin University of China, said. Pan Gongsheng, vice president of the peoples Bank of China, said that the peoples Bank of China will urge commercial banks to strictly implement the differential housing credit policies, to implement differential pricing for housing loans and to actively support the reasonable demand of residents, especially new citizens, to buy housing. In addition, the experts said that the interest rate of the provident fund loan is lower than that of commercial housing loans, but the current need to increase the support for the first suite of provident fund loans, improve the loan amount, and simplify the loan process of the provident fund, and increase the penalty for the developers to refuse the provident fund loan. Source: Xinhua Daily Telegraph editor: Xun Jianguo _NN7379 Banks should take measures from the loan quota, interest rate, approval and other links to give priority to the demand for home ownership and improved housing demand. The financial management departments should encourage commercial banks to increase their support for the demand for reasonable purchase, such as the appropriate incentives to the first set of banks, which have been paid more for the first set of mortgages. Dong Ximiao, senior researcher at Chongyang College of finance, Renmin University of China, said. Pan Gongsheng, vice president of the peoples Bank of China, said that the peoples Bank of China will urge commercial banks to strictly implement the differential housing credit policies, to implement differential pricing for housing loans and to actively support the reasonable demand of residents, especially new citizens, to buy housing. In addition, the experts said that the interest rate of the provident fund loan is lower than that of commercial housing loans, but the current need to increase the support for the first suite of provident fund loans, improve the loan amount, and simplify the loan process of the provident fund, and increase the penalty for the developers to refuse the provident fund loan.