Quiet long “the first anteroom loan has been lowest 7 booklet preferential benefits” the present rivers and lakes! The first time reducing the interest rate partly comes which along with the central bank three years and saved the loan fluctuation sector the brand-new adjustment, the Guangdong China (synopsis is newest dynamically) is popular the bank recently the high-sounding talk to announce that,Individual mortage interest rate is lowest may hit 7 booklets.This is the first anteroom loan interest rate discount is upward from 2010 lunar New Year's Day roads, even appeared last year surfaces the boat in 10%-40% situation, “deregulated” once more.
Although at present does not have other banks to put crease in it temporarily with the wind, but understood according to Yangcheng Evening News reporter that, the central bank this time the document which after-crops for each big bank reiterated: “Individual mortage interest rate fluctuation sector lower limit for datum interest rate 0.7 time.” This takes a stand regarding the central bank, some professionals believed, Fang Dai regulates by changes the pine tightly the inflection point or arrived.
The most banks had “9 to fold, 8.5 booklets”
The Huahsing bank aspect indicated, because the central bank is clear about the direction room loan interest rate to be possible to hit 7 booklets lowly, therefore does not exist contrary.“Our deposit interest rate all is to the upper limit, the loan then acts according to the customer situation as far as possible, in conforms to under the policy premise the preferential benefit fixed price.” The Huahsing bank related public figure stated that, hits 7 to fold not merely is certainly laughs uproariously, so long as conforms to the correlation condition, can obtain 7 booklets, which loan specifically conforms to the condition, the executive regulation is formulating urgently.
Local reporter visits many banks to discover that, after the central bank reducing the interest rate, many banks all quietly have given the first anteroom loan preferential benefit discount, has hits 9 to fold, 85 folds, but also some banks disclosed late time according to the central bank newest policy adjustment will be 8 booklets.This situation and last year and beginning of this year compared has had the earth-shaking change: This February, the majority banks to the first anteroom loan execution are the datum interest rates, has the bank still to surface the boat 5%-10%, but last year mostly carried out surfaces the boat the interest rate, the highest like deep development even surfaced the boat 30%-40%, had the bank even basically to close down the room loan service.
Some big silvers have sexual intercourse the loan department people in charge on 11th accept Yangcheng Evening News reporter when the interview indicated that, 7 fold the preferential benefit in fact never to forbid by the public proclamation, only is because last year Fang Dai regulated extremely strictly, added the market fluidity to lack extremely, only then caused the fund use price all the way to rise.As for the big bank can otherwise with the wind “7 booklets”, decide by the market supply-demand relation that, “we are now lowest for the customer also have 8.5 booklets, whether further drops also must observe the market response.” Some bank public figure believed that, the Huahsing bank is the bank which had been established newly, the scale is small, cannot too be big to the market impulse, 7 fold the preferential benefit to be able otherwise to appear generally also waits for the observation.
Bank: “7 folds basically is loses money”
The room loans 7 to fold the preferential benefit execution in 2009, after at that time just when the financial crisis, a real estate market piece of depression, the country for the stimulation real estate industry development, promoted wholesale the economical stimulation plan, the silver has had sexual intercourse the loan also generally to hit 7 booklets.To in 2010, the real estate market has regulated more and more strictly, the first half year bank cancels 7 to fold the preferential benefit one after another.In November, 2010, the supervising and managing department sends out the oral notification, requests the bank all to carry out the lowest eight 50% discount preferential benefit.From now on, except storage quantity Fang Daiwai, 7 will fold the preferential benefit in to increase in Fang Dai to vanish basically.To 2011, the first anteroom loan interest rate surfaces the boat becomes one kind of habit.Regulates the achievement along with the real estate market the gradually appearance, enters in 2012, the room loan interest rate preferential benefit starts to appear the relaxation sign.
“The central bank this time mentioned again 7 fold the preferential benefit, very possible also is in to the bank release signal, Fang Dai regulates may deregulate slightly, this significance is significant.” Has the bank public figure to think.
Shanghai easy to occupy real estate research institute Vice-President Yang Hongxu in its micro on abundantly to state that, the central bank “the monetary policy combination fist” “purely is the big advantage to the real estate market to be good”, but reduces the real estate industry comprehensively financing cost.To the common people, the room loan cost reduces comprehensively, can stimulate the buying homes demand, “the first wrap, two sets all profit”.
Above has sexual intercourse the loan department people in charge to indicate greatly that, early this year along with the real estate market business volume gradually rise, the bank room loan service also unceasingly is returning to warmer weather.But the pure interest rate and the fluctuation sector adjustment, cannot say the real estate market regulated relaxed, “limited purchases after all, limits loan and so on the crucial policies not to have the change.To the common people, the cost has lowered, to the bank, the profit space is compressed, 7 folded basically is losing money, therefore how the stimulation effect also did have to observe.”
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