Q the first set of mortgage interest rates

Recently, the first set of mortgage interest rate by the news of the preferential suddenly in circulating among, the media have been in the news, says the first rent house shanghai set of mortgage offers will Sylvester stallone.

During the two meetings this year, according to the deputy governor LiuShiYu said, will ensure that the first suite a favorable interest rate and ensure personal menas first suite loans. Just need to say, though it is not very understand, but sounds very much look like, "differentiation" these three words special worth pondering. And in fact, long before the two meetings, four big line early in Beijing abdomen black "secret meeting" first set of individual mortgages, including mention, for the next four big line first set of mortgage rates or will not higher than benchmark rates.

Last year the first set of unique feeling rising mortgage rates let just need, developers after him, but in this spring to a warm embrace, but the embrace of the temperature on the warm public, will see the central bank that elusive heart.

So, what are the central bank this time to play trick? The first suite interest rates suddenly cut, to just need and developers are good? "Differentiation" treat is what circumstance? Cut exactly can low to? All this looks very good or otherwise mystery behind.

So, this world, there are three things, I'm afraid you never guessing-house prices, the first suite loan interest rate and the love. Guessing house prices drop enough move ground, guessing central Banks and mortgage rates down by first set of measures to top just sensitive nerve, and guessing in the establishment of the house on love is more let how human can. And so, in that state of mind realm, just need to have to put their doubts.

Ask, kunming exactly can't adjust tune?

Since the central bank in the sessions of the first mortgage interest rates issued advice, according to recently in Beijing, Shanghai, guangzhou, suzhou, hangzhou, tianjin, zhuhai 30 key city bank first set of mortgage rates survey, nearly nine ChengYinHang has returned to the benchmark interest rate, the Shanghai tianjin spike part will be back to the bank or 8.5 fold.

But the central bank is one of the country's central bank, four big line is one of the country's four major line, have good things always first to a city, the body in two, three city of kunming to just can also cut reaped the benefits of taste as soon as possible, the first look at the current real estate market in the end to kunming to cut a chance.

According to the real estate market the sort of "ungrateful" character, house property sales sell well, anyone with the good market effect is reduced, about to throw to the back of his head; And the housing market reversal, any a little good can be amplified, be market holds the god.

The first set of mortgage rates sudden drop, it is now, the housing market recovery warmed up agent, it is the good action nature unlimitedly. After all, compared with dark horse, fall and fall not malicious house prices for, preferential interest rates, is the real preferential measures. This is why just should be less concerned about the mortgage rates, it can say is just to have a room the first gens crossed a threshold which.

Since February kunming prices have started to decline, 3, 4 month kunming property market gradually rise gradually, volume warmer. Falling house prices direct stimulation and even gave up just need to her emotions that buy a house, the tide or will in the April during the spring storm surge. For these commotion just need for, first to face is the natural first set of mortgage interest rates.

Recently, the author has from Labour travel, agriculture bank, bank of China and China construction bank and, citic, China everbright bank, the people's livelihood, understands, at present in our city, are in the benchmark interest rate, and no preferential policies. Some Banks, says that according to the first set of mortgage rates a benchmark, is already a preferential policy. But the answer can let just need to calm? Obviously can't. When the author hold last hope dialed Shanghai pudong development bank kunming branch on the phone, and finally found the ray of hope. The bank has plans to carry out, to meet the conditions of the customers in the benchmark interest rate can be based on discount to enjoy the measures, which makes the first set of mortgage rates offers will recreate the kunming property market.

Although at present the implementation measures that a preferential cut. However, the author or to suggest a need to just can be calm Ann, after all the real estate market is not the national but kunming, and at the present market situation of kunming warmed up, to boost the just need to purchase, kunming to meet the first set of mortgage rate is only a matter of time.

2 q, preferential exactly "hui" who?

Since the P-, first set of mortgage P- into a threshold of existence as last year, in order to raise interest rates is with the control policy, and this year the suddenly cut, but doesn't mean policy will loose but the first set of mortgage rates for macroeconomic regulation really easing the only export. In the country under the trend of falling house prices, the export of the master is a subtle. Too much may lead to more market bubble, a country's regulation upset the applecart and is too small, and completely unable to fully cooperate on falling prices, have just need to make the most of all can afford the function of the room.

So, without a doubt, the central bank cut proposed policy, is to ensure that just need the pent-up demand, and the key is not cut how much, but in a cut and preferential intent, it sure is to just need good news. But, careful study of the CPPCC central bank put forward thinking, "will ensure that the first suite a favorable interest rate and ensure personal menas first suite loan" this sentence will discover a lot of doubt. The "differentiation" let a person very puzzled, this "differentiation" in the author seems to contain a lot of information is.

P- make issued the first set of mortgage interest rates and after, the bank is the most of the loan business turned to the enterprise and the group to the individual, small loans by countries require only perform very strict. Actually it's very clear, not they only like enterprise loan, they are more like a man really small loans. Because, compared to the big done business loans, small private loans more and less risk, the bank would prefer to deal with. So, the author have reason to think that the more advantageous to the first cut measures is the bank for a party.

"Differentiation" it is reflected in the bank cut preferential mystery, the author visit our city after some bank that, if carried out preferential cut, that is targeted preferential, such as senior VIP customers, comprehensive assessment has a good many of the repayment ability of the customer, the bank and the designated development business cooperation, buy the project customers. In this "differentiation", "targeted" screening can really enjoy preferential just need could only be accounted for 30% of the total.

Therefore, the first set of mortgage rate is not really the most just need to service. Instead, but the bank, and the bank service with the developer of the favorable interest rate of sales promotion means. For the overall market, it is a double-edged sword, interest rates too low, stimulate to buy a house enthusiasm, developers blind development, even in tough macroeconomic policy, it is also a may cause horrible house prices rebound. Don't forget the price is how was up, its history and not how long past.

3 q, 8.5 fold how true?

To be a human bottom line, also sensitive first set of mortgage rates have their own bottom line, is known as the "red line". The red line of high and low, affects the entire market, especially the movements of the house prices. So, to spread among the lowest current discount can be as low as 8.5 fold, the author have great suspicion.

The first set of mortgage rates in 2009 had the lowest discount 7, the state spent two years with the macro-control inhibit house prices, this year produced results, so, if the first set of mortgage interest rates at the lowest that really preferential 8.5 fold, what does that mean to the house.

Let's examine: with 1.5 million yuan, a mortgage, 20 years of house, for example, in 8.5 fold down interest rates, the month for the 10740 yuan, total purchase cost (i.e. property prices and interest) of about 2.578 million yuan; And in the benchmark interest rate, the month for about 11675 yuan is that buy a house, the total cost is 2.748 million yuan. In contrast, the total cost of a preferential interest rate than the cheap when no preferential 170000 yuan, or 6.2%. In interest rate 8.5 fold, 20 years the interest on loans to save 224000 yuan in total.

In other words, when a building have the profits to the 10% of cases, if can get 8.5 fold in the favorable interest rate, so the total cost of the purchase will save 16.2%. Just need to it, this would mean that in house prices have fallen in the foundation, if is 8.5 fold loan interest rate is favorable, you may still can save more money. Just need can be happy, but the market will need to be careful.

See now Banks cut measures and the whole of the market environment to see, still can't happy too early. Investigation shows, including the our city, across the country, most Banks or common executive benchmark interest rate, but for high quality customer will have a favorable strength. A state-owned line of credit staff, told the author, for that first set of individual recently housing loans can give a 8.5 discount to the news, it has also given a positive response. The first of the specific suite discount rate was not static, specific to see whether homes for bridal chamber, the total amount of loan and applying for fixed number of year to comprehensive judgments, especially the customer's credit standing.

That is, 8.5 fold not impossible, but still is based on the differentiation "treat basis. After all, in national macro-control still don't relax, continues to tighten, and on the basis of bank also dare not by water. So, I think, just need not reckless entering the market to buy a house, the multi-level comprehensive thinking. 8.5 fold isn't bad, but all this must be established in the market on shanghai villa affordability, only the market is good, just need to buy a house to really can buy at ease.