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The author:(作者)aaapublished in(发表于) 2014/8/14 8:12:09 As many banks cut interest rates to rescue the mortgage rates in first tier cities loose
As many banks cut interest rates to "rescue" loan policy to redirect loose
Wusi Dan
After progressively liberalize restrictions around the following, the first loosening of mortgage interest rates have begun to spread across the country.
Recently, the Shanghai agricultural Bank announced in August lowered mortgage interest rates. Since then, cities such as Beijing, Guangzhou, Shenzhen, Foshan, some banks continue to cut mortgage rates.
Changsha, Hebei is the latest to join the queue.
Changsha, according to local media reports, Changsha first mortgage can be applied to the base rate of the Bank, but the Bank will be implemented as properties purchased by borrower qualifications, risk pricing, not every customer will be able to apply for the preferential interest rate loans.
However, the first finance journal financial search platform "into 360" found on first set of banking mortgage rates lowest in the Changsha area also 5% float, such as industrial and commercial bank, China Merchants Bank, and other banks to float 10%. Second mortgage rates, most banks are floating 10%~20%, CITIC Bank will even float 30%.
Centaline Managing Director of Hunan says Hu Zhigang told the newspaper reporter: "Changsha let go of restriction of the role is not clear, whether the property market will pick up more on the mortgage policies. The funding activity than in first-tier cities of Changsha, Changsha, thus higher mortgage rates than first-tier cities. Once mortgage rates have come down, and will have considerable impact on the market. ”
Almost the same time, Hebei is also loosening of mortgage rates news. Hebei, according to local media reports, the Bank cut its first mortgage rates a few days ago, previously 20% above the base rate cut to benchmark interest rates have moved up 10%. However, much of the rest of the first mortgage rates so far haven't seen loose.
Take Shijiazhuang city as an example, this reporter Rong found on the 360, the local ICBC down mortgage rates have indeed lowered to 1.1 times the benchmark interest rate, Bank of China, Bank of communications, China Construction Bank and Huaxia Bank debut set mortgage rates above are base rate 10%.
Earlier, on the North, and wide, deep-four in first-tier cities also have come loose mortgage rates.
First is Shanghai, Shanghai agricultural Bank of China announced in August will lower mortgage rates, the first mortgages more than 2 million to 95 percent.
Shortly thereafter, some discounts at the banks in Beijing, but the threshold is hardly cheap. CITIC Bank provides 90 percent preferential interest rate for second-hand real estate agents to cooperate; HSBC's policy is that if clients in Fortune 500, listed companies or civil servants, and workers can be identified as customers of HSBC, you can play 94 percent minimum; ABC to premium customers up to 95 percent off.
Enter by August, Guangzhou ICBC took the price adjustment, above's first interest rate from the previous base rate lowered to float 5% 8%, cut second-home 15% from the original floating interest rates to floating 10%.
Shenzhen adjustment more likely. Reporters found that mortgage rates are generally above the benchmark rate last month compared with 5%~10%, since August, the Bank of China, the four major State-owned banks such as ICBC, China Construction Bank, Bank of communications Shenzhen branch of first mortgage interest rate returns to benchmark interest rates, HSBC, led by China Merchants Bank Shenzhen branch set mortgage rates provide 94 percent and 98 percent discounts respectively.
However, some bank customers get the first mortgage base rate sets a certain threshold, does not meet the requirements is still the floating range 2%~5%. For example, the first suite of Bank of China Shenzhen Branch requested a loan of 1 million or more to get the benchmark interest rate, and you float below the 1 million 2%.
Fujian province could even have a "min-eight", requiring banks to relax credit: raised after buyers who pay off their loans, again applying for housing loans, by first lending finds first change room (first-time buyers improved the ordinary commodity housing) by first lending finds. Buyers housing units identified do not include their own building, housing and inheritance, moves houses and have paid off the mortgage of second-hand housing; financial institutions loan downpayments and low implementation rates in accordance with the policy provisions.
Local banks mortgage rates have loose, differentiated housing loan policy in response to Central Bank on the one hand, on the other hand let go of the pressure to relax restriction of appeal after the mortgage.
In May, the central banks to implement differentiated housing loan policy, improve housing financial services-related work, and the "Central five" measures, priorities in support of the first mortgage.
With strategic Advisory Research Director Hongwei ZHANG believes that policy shifts from the current mortgage terms, at present, Bank mortgage approval cycles, some of the banks mortgage rates for some conditions to fall, marks the beginning of mortgage policy "fine tuning", into the directed easing. From the perspective of first set of owner-occupied housing mortgage interest rates, Fujian, Guangxi, Chengdu, Wuhan, Shaoxing, baotou and other local government "rescue" measures and mounting, in August after loan approval cycle is expected to be further shortened, tilt to the first set of home lines will demand, high interest rates will gradually decline in the process. From the perspective of cycles, and expects this process may last 3-6 months, mortgage rates in the fourth quarter of this year could be a substantial retreat.
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