Focused on negative credit records of customers, 20 years 50 million in loans to 190 per month more also
(Reporter Liang age) just to work less than three years of Mr. Chen first-time buyers, I did not expect to have overdue credit card records because not only did not hit off mortgage interest rates, has also been floating a 10%. Yesterday, the reporter visited the city commercial banks found that the first Suite 8.5 discount interest rate loans has become the past, and if the borrower has a negative credit record, the first suite loan interest rates may also have to go up 10%. It is reported that in the case of tight credit lines, some commercial banks began to consciously increase the mortgage interest rate, the energy into the distribution of business loans, to strive for greater profitability point.
Suite loan interest rates must go up first
pillar Mr. Chen, who lives in town, Banan District, to work less than three years, finally had enough to more than 10 million down payment, prepared Nanping the purchase of a 40 square meters of small units. Unexpectedly, Mr. Chen first-time buyers in a large state-owned banks to submit their loan application, the answer is lending rates have to go up 10%.
Chen found a bank loan officers inquire, to know their own credit card several times for failure to repay on time, resulting in a late record, the bank determined to have a negative credit records, mortgage interest rates must go up .
to the problem, consult the large state-owned commercial banks, Center for personal loans, the person confirmed this situation. In the past, similar to the Chen case, will not have this kind of
not only the first suite discount lending rate, but may go up, and more than that of a bank.
Bank branch Yuzhong Center for a loan said they also received a notice recently, a clear abolition of preferential policies, and mortgage rates may go up on the first suite. For credit card payments past due and overdue student loan repayments and other records of the first suite buyers, the need to pay a higher purchase cost.
loans more than 50 million also 190 per month
Bank staff calculations to reporters. At present, more than 5-year lending rate is 6.4%, 8.5 to enjoy the discount if the real interest rate is 5.44%, spread around nearly 1 percentage point. Individual banks lending interest rate will be the first suite on the basis of the benchmark interest rate go up 10%, that is 7.04%. Interest rates go up, the demand for first-time home buyers rigid, the most immediate impact is increasing pressure for the month. Contrast the current benchmark interest rate of 6.4%, close to the central bank to raise interest rates last twice 0.25 percent.
20 of 50 million housing mortgage loans, the repayment of principal and interest equal Example: According to the benchmark interest rate per month for the month was 3698.48 yuan, if interest rates go up 10% for the month as a month 3888.50 yuan, increase of 190.02 yuan per month.
Bank
pursuit of profit is the main cause of what caused the bank loan interest rates go up the first suite?
industry analysis, financial institutions in the country in the context of tightening credit funds, the banks have to pursue higher profits, only through the abolition of preferential mortgage rates, floating interest rates to achieve. This year, the country's monetary policy from Earlier this month, the central bank again raised the deposit reserve ratio announced, the rough estimate, the central bank may be a one-time freezing of bank system liquidity of about 350 billion yuan. The face of tightening credit, banks want the funds from the more limited benefit, only the expansion of mortgage spreads.
the same time, there are large state-owned commercial banks, credit policies and make adjustments in housing loans, improve business loans and small business loans. Some state-owned banks have loans grew from 80% to 40% adjusted, is expected to total less than last year half of the amount invested. Further reading
still banks in the implementation of individual 9 discount
the first suite of state-owned commercial bank lending interest rates go up, the first joint-stock banks whether Suite preferential loans still continue?
Yesterday, reporters from the city's major real estate agency that, at present, a small part of the joint-stock bank lending rates is also the first executive suite 9 discount, and not explicitly canceled. But some banks credit lines tight in general, even if there is preferential policies still need to wait for customers to line up lenders. The current backlog of these banks are still digesting last year's list of the mortgage, lenders will be the normal gate opening after the Spring Festival. Reporter Liang Ling
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