Guangzhou: Dahon return to the small line differentiation
Generally go up 5% to 40% compared to two months ago, Guangzhou, some banks first mortgage interest rates have recently dropped.
Yesterday, a staff member of the Guangzhou Branch of "First Financial Daily, said the bank recently has been the first suite of loan interest rates, go up 5 percent from the previous benchmark interest rate return to the benchmark interest rate.
In Guangzhou, the four lines have been caused by three banks down the first mortgage interest rates to the benchmark interest rate. This is mainly due to the housing market downturn, trading volume shrinking. "Yesterday, a real estate agent said the newspaper.
Four lines compared to the first suite of small and medium-sized banks in Guangzhou loan interest rates render the differentiation of the situation, such as Shenzhen Development back to go up 30% to 40% down to go up 20 percent earlier in the benchmark interest rate on the basis of the original float up to 10% now raised to go up 5% of the bank also increased. But there are also some small banks to relax interest rates yesterday, Guangdong Development Bank, Guangzhou Rural Commercial bank outlets, a credit manager, told this newspaper that the first mortgage interest rate is not lowered, based upon the benchmark interest rates go up 10% execution.
"As far as we know, some banks loan this year in the negative growth in the state by the end of this situation must be reversed, so to speed up lending, otherwise it will be criticized by the head office, generally beginning of the year, the loan will need to achieve positive growth. "a joint-stock Bank Guangzhou Branch loan staff, the newspaper said.
Beijing: do 9.5% more than 2 million of deposits
In Beijing, the four lines, and China Everbright Bank, and other joint-stock banks mortgage interest rates according to the implementation of the benchmark interest rate. China Merchants Bank, CITIC, Shanghai Pudong, Shenzhen Development Bank, the first mortgage interest rates, there are different degrees of float.
The same time, the above-mentioned bank loan staff were told this newspaper that the final lending standards or according to customer's specific circumstances.
A Dahon loan manager told this reporter that, if it is large customers applying preferential interest rates: "If the deposit of 500,000 to 1 million may apply for the 9.5 fold, from 1 million to 2 million can apply for 10%, more than 2 million apply for a 8.5 fold, and to ensure that can apply to. "
Normalized preferential concessions, still have to queue, the loan manager, said: "the end of the loan is almost impossible to wait until the first quarter of next year should be more lenient."
The other branches of the bank loan, Head has said that even if more than 2 million can only apply for a 9.5% discount.
In this regard, specializing in mortgage mortgage financial services investment in Wei Jia Anjie relevant person in charge of a company limited by guarantee that does not actually exist so-called "interest rates to relax": "domestic banks for the first suite of policies has been the implementation of the benchmark interest rates, only without making the mortgage business for small and medium banks, mortgage interest rates will inevitably go up. "
The responsible person said, at a time when the Bank of inventory by the end of each period, the individual bank's regional branch because there is no completion of the annual task, may give the interest rate of 10% or 9.5% discount, but this is only an isolated phenomenon.
Shanghai: Dahon clear loose
The newspaper learned a number of banks from Shanghai, the first suite of loan interest rates no signs of abating.
Among them, ICBC and Agricultural Bank of China in principle, continue to perform the first mortgage first Fusan Cheng, interest rates at least for the benchmark interest rate policy, the Bank of first mortgage interest rates at least 1.05 times the benchmark rate, while CCB is also the benchmark interest rate or, as the case may go up to a certain extent.
Have not received the relevant notification to relax mortgage policy, a state accusing him of Shanghai Branch of personal financial head of the reporter said, "nor will there be a first mortgage interest rate to fall offers at least the first Fusan Cheng and benchmark interest rates, some customers may have to floating interest rates. "
Another state accusing a branch president more bluntly: "At least for now, the real estate development loans and personal loans are clearly not loose."
Shanghai a sub-branch credit department official told this newspaper that: "the first mortgage is generally down payment of 40% of Daowu Cheng, interest rates will need to benchmark interest rates go up 20 percent to 25 percent."
In the second and third tier cities, the first home loans interest rates be
"This kind of thing is not convenient." Yesterday, a Governor of the Bank of anonymity, Xiamen City, told this reporter that the central regulation so strict, as it is not a crime against the wind
The reporter learned that the CCB Xiamen branch first mortgage rates are still running 1.1 times the benchmark interest rate policy.
"Even though individual banks, lenders loose, and not universal." Anonymity of Xiamen in the banking sector, 1.1 times of the first suite of interest rate policy is the second half of this year, there is no relaxation of the regulatory signal. lines are still not act rashly.
The first suite of loan-directional loose
Loan interest rates for some cities the first suite of "return" Liu Yuan Senior Manager of the Research Center of the Central Plains Group, which kept potential rate cut, tight liquidity eased market effects.
"This is before the first suite of loan interest rates increase, similar to the reasons for the sudden increase of Sony Parts Replacement loans more difficult, mainly by the mobility, not the bank's credit policy has occurred a fundamental change." Liu Yuan said that before because of the credit limit is insufficient to pick customers to bank with floating interest rate threshold. Liquidity tension eased, and so will naturally be reflected in interest rates.
He believes that in the backdrop of the macroeconomic policy of "fine-tuning", the bank some years ago to "relax" or understandable.
December 11, the People's Bank of China Monetary Policy Committee member Li Daokui in Guangzhou, Apple Keyboard the first suite of loan policies should be directed to relax the current more stringent control for the first suite of eligible loans, preferential interest rates to cancel, and extend the loan period "For both to buy a house, and good credit customers should be liberalized, to help restore the real estate transaction volume, while driven by the gradual recovery of the upstream industry."
The Central University of Finance and Professor Guo Tian Yong has also said that, now do not rule out the central bank to continue to reduce the possibility of deposit precision, the first suite of loan rates are still falling space.
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