129774133161406250_174Reporter Wu Tingting bade farewell to a year of the first set of mortgage interest rates credit "representation of rivers and Lakes". Recently, the securities Journal reporter visited a number of banks in Beijing found that since the beginning of March, the regulators stressed that the full implementation of differential housing under the background of the credit policy
tera power leveling, Beijing has many banks began to cut the first suite of personal mortgage loan interest rates, reductionRanging from 5% per cent. In four rows, ICBC, China Construction Bank to maintain interest rates, and agricultural Bank of China, Bank can perform 90 percent interest rate concessions. First suite rates to reproduce special reporter visited learned in four rows, agricultural Bank of China, Bank of the minimum can perform 90 percent interest rate, and ICBC, China Construction Bank will remain the benchmark interest rate. Members of the CCB, Chaoyang District, a branch of the credit businessReporters, the Bank's benchmark interest rate for Executive first suite. "At present has not received a notification from branches on the lower mortgage rates. "Bank a branch head of the Chaoyang District, told reporters, the row at the end of February, there has been interest rate when loose, dropped to qualifications according to the customer-specific assessment, the current minimum is 90 percent. He said, do interest rates since the concessions, theBank mortgage business showed a significant growth. The journalists visited a number of banks, about half of the banks mortgage Executive benchmark interest rate, the rest have come down. A credit manager of the Bank branch West third ring, told reporters, according to the branch of the notification, the branch had its first suite mortgage rates in early March, from the reference down to 95 percent. "Head officeTo draw the interest rates lower, so in the last year, many banks had adjusted its mortgage business, suites ranging from floating interest rate 10% per cent. Now there's been a certain amount of loose, but the interest rate as low as in 2009, 2010 will not appear in the short term. "A joint stock Bank Limited Beijing Branch loan business unit told reporters. "The firstPreferential interest rates to 70 percent since November 2010, there is basically no, according to the current rate of minimum requirements, the first suite-payment ratio shall not be less than 30%, interest rate shall be not less than 85 percent. "He said. And journalists visited the results of comparison, data provided by estate agents are more optimistic. Research Department of Zhongyuan real estate market statisticsShows: current mainstream of first-tier cities such as Beijing, Shanghai, the first suite of loan interest rate from February benchmark once again down to about 90 percent and 90 percent compared to previous conditions, current as long as the buyers meet the first suite of normal conditions, most can enjoy the treatment of 90 percent. Individual banks and even a resurgence of 85 percent. "At present we work with a dozen silverRow, qualification good customers, agricultural Bank of China, Bank of two banks to 85 percent, ICBC is expected next week, can also be executed according to the interest rate. "Chain home real estate (Twitter) told reporters that one person is responsible for coordination with the mortgage. In addition, according to centaline property's statistics, in addition to interest rate controls, four lines also clearly improve the efficiency of loan approval. It is understood that the Bank applying for home loansUp to 2 weeks. Industrial and commercial bank, Bank of the processing time is about 1 week. In the last three or four quarters, due to the amount of tension, lenders need to queue for 1-2 months, before applying for a loan on. Department of Zhongyuan real estate market research director Zhang Dawei told a reporter that, based on current market conditions, when there are a number of banks reduced interest rates, for customers,He Bank will also follow up the adjustment. Still, Beijing property market recovery was too early. Research Department of Zhongyuan real estate market statistics, as at 25th, new residential Agency March Beijing Number Sets to 5,848 units, clearly rose to the turnover per cent in January-February
tera gold, but compared to 11 of December there is a clear gap in 13 months after the purchaseOnly fourth. Foreign mortgage advantage is no longer "apparent mortgage volume down, comes to consult customers and so on. "Lamented to reporters a large foreign bank account manager. In January last year "eight new country" after the introduction, first suite preferential interest rates gradually fade out the market, especially the second half of 2011, credit became very scarceResources, coupled with asymmetric after raising interest rates on several occasions, individual housing mortgage loan business profit margins being compressed, a number of banks not only cancel the first suite of loan credit, and a rise in mortgage rates, 5%~20% of the benchmark interest rate for floating rate, and not only that, some banks will increase down to 40%, loan processing time is generally significantly longer. 2011-year funded massive compression in the mortgage business, resulting in some customers into the arms of foreign banks. CEO of several large foreign banks previously had told reporters, 2011 personal mortgage business achieved very good results. However, as the first set of mortgages from the banks interest rates in the near future return of benchmark interest rates and mortgage rates show signs of loosening foreign mortgage business advantageIs no longer obvious. Yesterday
tera gold, a customer of HSBC manager told reporters, the Bank's Executive first suites now 90 percent interest rate concessions, qualification very good customer, you can apply for 85 percent.
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