10
nedjelja
lipanj
2012
Part of the bank deposit interest rate
Differentiation of competition is beginning to bank twice a day a bit adjustment
The people's bank of China announced expanded deposit interest rate rise space to 1.1 times the benchmark interest rate, the large Chinese commercial Banks that shanghai house did not quiet yesterday.
The people's bank of China (central bank) 7 days late issued announcement, cut announced financial institutions one-year deposit rate and benchmark lending rate 0.25% each, and first allowed deposit interest rate rise interval expanded to 1.1 times, a loan from the floating interval 0.9 times and 0.8 times extension, its effect in yesterday will have to have reflected.
First is the industrial and commercial bank of China, agricultural bank of China, bank of China, China construction bank and construction bank five state-owned bank to rise 1 year (with 1 year) within the deposit rate, followed by several the joint-stock Banks and foreign done immediately to follow up, the most effective should belong to some city businesses, with enough 1.1 times of the floating space, the one-year deposit rate rise to 3.575%, and of great and other line "melee" deposit of power. Zhejiang tyrone commercial bank is in website directly hit "I can deposit interest rate a floating ceiling" advertising at deposit, quite have the marketization of the gas.
Analysts said the Banks deposit interest rates began to differentiation, and generally not according to the maximum 10% to execute. As for savers, bank deposit competition around, can have more choices. And for for Banks, although the past loans have somewhat expanded space, but in the current economic recession, loan interest is hard to clear cut. So, despite the deposit rate to rise, makes commercial bank interest spread to become narrower, but the pressure in the short term is not revealed.
Another, according to people familiar with the central bank 7 evening meanwhile to the bank's internal release a document, require Banks to raise differential operation level.
File points out, "the financial institutions should adapt to the range of floating interest rate adjustment, strengthen financial hard constraints and the interest rate risk management, perfect pricing mechanism construction, improve the service level, with good differentiation floating pricing for customers to access, propaganda interpretation work, respect the independent consumer choice, reasonably determine the interest rate, and maintain the good competition order. Deposit, must pay special attention to plan as a whole assets and liabilities management strategy, strengthen the active liability management, strengthen the cost constraints; loans, to science, safety risk assessment loan processing contract relationship. To enact and perfect implementation of the measures for the implementation of the interest rate policy, to ensure the effective implementation of the internal management measures. The relevant system in the people's bank to report the record."
Five major state-owned Banks
To rise deposit rates
Yesterday morning, each big bank announced the new funds are a bit. Five big line "unexpectedly" and will deposit interest rate by the central bank is the benchmark interest rates rise, and each big line after the adjustment interest rates are consistent. By contrast, the joint-stock Banks in the morning disclosure is a bit by the central bank and the benchmark interest rate consistent, ningbo bank, tyrone bank is directly will deposit interest rate rise to 1.1 times.
But the first of concern is still five line. In icbc, for example, a current deposit interest rate rise 10% to 0.44% benchmark interest rate, is still less than 0.5% of the interest rate cut interest rates before; 3 months period from 2.85% rise from 3.1% to, the 6-month deposit withdrawal is fixed deposit rates rise to 3.3% benchmark interest rate 3.05%, the one-year deposit rate lump-sum withdrawal is 3.25% of the benchmark rate rise to 3.5%, and the central bank cut interest rates are announced before the interest rates to remain consistent. For two years, three one-year deposit rate, five-year and central bank's latest benchmark interest rates is consistent, the cut respectively 0.30, 0.35 and 0.40%. In addition, the loan interest rate cut icbc are 25 basis points, and the central bank announced the benchmark interest rate consistent.
"The five big done action is more uniform, should be negotiated the results." Peace fixed income securities of vise general manager shi lei said. Shi lei points out, although the five line to rise interest rates, but the bank deposit will not be cost of capital increase, interest rates on one-year and floating in the variety, the absolute amplitude gentler did not arrive at cap on bank capital costs limited. And more than one year varieties according to the benchmark interest rate only carry out, not rise.
Cicc report yesterday that, from the bank deposit structure to see, in general current deposit account for 40%, and deposit is to 1 year or the three months to the 6-month deposit is in the majority, 2 years less long term deposits. In view of current deposit interest rate reduce small and fixed deposit rates flat, bank deposit average cost of funds won't happen obvious change. According to five done practices, the actual cost savings funds relative to a small drop even before the adjustment.
"A larger sense may be to reflect on the support of the liberalization of interest rate, big line should lead the way." Industry insiders point.
Part of the bank a day two change a bit
With five big done to action, home to more than the joint-stock Banks and foreign bank is obviously some unexpected.
A joint-stock bank staff yesterday morning news related to see that very surprised.
"We just according to the central bank's benchmark rate by one-half the one-year deposit rate by 25 basis points, have never thought big 'guild through the prices of keep deposit interest rates unchanged means. If we don't follow up in time, perhaps soon face' deposits of the situation." moving" The officer said, "inline everyone comment in succession, past day may be running out."
Therefore, share-holding system more Banks and foreign bank quickly follow up five line moves. To yesterday afternoon, Shanghai pudong development bank, hua xia bank, minsheng bank, Shanghai bank, shenzhen development bank and zheshang joint-stock Banks, and bank of east Asia and HSBC and the bank quickly changed a bit, to come down interest rates rise and go back to their original interest rates even higher.
For example, Shanghai pudong development bank yesterday in the benchmark interest rate according to the central bank released after deposit a bit, then quickly afternoon adjustment, raised current deposit, the one-year deposit rate, and five done interest rate consistent, from June 9, running.
Action more such as wide hair negotiable bank, the bank directly on the web site last night announced, from June 9 up within 1 year of the deposit interest rate rises all 1.1 times. But it is worth noting, China merchants bank to entry that morning, haven't announced rise deposit rates.
Bank of east Asia also released a June 9 began to carry out a bit of, of which the one-year interest rates for the benchmark interest rate 1.1 times, of 3.575%.
Bank of east Asia standing deputy governor SunMinJie told the morning paper reporter, no doubt, the bank to attract deposits, but it is not the cause of the reservoir based on high embrace.
SunMinJie said, and profitability mainly comes from the two pieces of: one is the size of the loan and the total assets of the scale expansion, 2 it is to carry. The economic environment is good, can increase the interest income. Although many Banks will 1.1 times the deposit interest rate rise cap with enough, but and financial product yields of 4% and 5%, compared to the attraction of the deposit or inadequate. Although current deposit is very important, but the bank deposit aspects in more willing to strength, because deposit can reflects customers' active choice.
City businesses send force certain trendency
Relative to the joint-stock Banks, including the city of small and medium-sized businesses, the bank is ready.
Shanghai agriculture firm a site staff revealed: "we got this morning deposit interest rate adjustment documents. The papers said, after adjustment in clear, the interest rates on deposits now advantage is bigger, to increase the marketing efforts." Visible, Shanghai agriculture business yesterday has rise the one-year deposit rate to 1.1 times the benchmark interest rate, from 3.575% to.
Another city business persons are also mentioned, yesterday morning many Banks in the meeting, mainly discuss the formulation of loan rate. Considering the current loan interest rates only a few execute floating rate cuts to the actual cost of financing a limited role. But deposit interest rates rise, especially small and medium-sized Banks very motivated, decision making, flexible city businesses will go ahead.
Ningbo bank also announced that it will take the lead in deposit rates rise to 1.1 times as one of the bank, will march, June, the one-year deposit rate hikes, to 3.135%, 3.355%, and 3.575%. Central Banks cut interest rates higher than before the deposit rates, after a cut of 2.85%, 3.05%, 3.25% overall risen 10%.
"We previously also worry that if only we reach the summit, floating guild that there are so many who follow up, and more than one year of deposit interest rates also rise all......." The bank a staff said.
Visible, Qingdao bank, tyrone Banks including bank of nanjing released final deposit rates are all is on the increase. Such as tyrone bank deposit rates lift two years to 4.51%, 3 10-year to 5.115%, above 5 years mention from 5.61% to.
Differentiation has begun to show
Contrast the Banks deposit a bit, can also be found to their difference has set up a file in the show.
Such as nanjing bank to lift interest rates set threshold, 10000 yuan of the following the one-year deposit rate is 3.25%, and 10000 yuan (including) the deposit rate is 3.575%, the central bank to the provisions of the upper limit. And nanjing bank 10000 yuan (including) the five-year deposit interest rate reached 5.61%, 0.51% higher than the five line. Special is, nanjing to current deposit interest rate of the bank is still alike, are 0.4% did not rise.
Instead, Beijing bank, will only current deposit interest rate increased to 0.44%, and regular instead moved. Analytic personage points out, this and the bank is directly related to the characteristics. Because Beijing bank mostly for the scholars from renmin deposit, may want to attract more some current deposit.
Special and hankou bank, the bank only to the one-year deposit for two years and rise to 1.1 times the benchmark interest rate.
Although the bank yesterday lively abnormal, but many bankers say the reaction of customers and not very obvious. "Still, no people come and puts forward to want to transfer housing in shanghai deposits." A bank clerk said, "but, after reports in the media that prices of bank interest rates should be more lively."
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07
četvrtak
lipanj
2012
Purchasing power still need to price cut short for release
Recently, chongqing, wuhan, etc have eased the first suite accumulation fund loan policy. In the real estate market with a lot of suspicion, this "fine-tuning" caused the housing in shanghai market great attention.
On May 28, the chongqing housing accumulation fund management center announced it will relax the first suite accumulation fund policy. Loans by 30%, down from the 20% down, personal loans from 200000 yuan to 400000 yuan increase; Allow couples and lending, a family highest loan 800000 yuan; Loan limit by the account remaining sum of 15 times increased to 25 times and allows loan worker account balance payment; Loan time limit of 20 years increased to 30 years, and extend to 10 years after retirement.
The xinhua news agency arrangement found that, in addition to the chongqing, in late April, wuhan high-profile announced adjustment policy accumulation fund, use accumulation fund loan to buy the first set of housing lender can apply to the top eighty percent of the loan. That is, just to pay down twenty percent, the lender can easily buy a house.
According to the statistical research institutions, far more than 10 a two, three lines of accumulation fund buys a room to relevant policy city has adjusted. Among them, both the eastern economic developed city, also have the Midwest owes the developed city.
"Accumulation fund policy adjustment solved just need to purchase of the difficulties, but also to revitalize the stock room, maintain the health of the real estate market stability." Central south university of politics and law of institute of real estate finance and economics zhangdong think, accumulation fund policy of moderate fine-tuning the real estate development company regulation towards scientific.
Wuhan accumulation fund center in loans of said hu bin, rigid crowd through the accumulation fund loan demand, and to reduce the pressure head to pay; At the same time, and commercial housing loan interest rates were the same period, accumulation fund GeDai lower interest rates by about 2.1%, the person that buy a house of interest and other burden also is greatly reduced.
Recent adjustment of accumulation fund loan policy are concentrated in the city two, three city, Beijing, Shanghai and so on a city no action.
Even so, the accumulation fund to adjust the tide or caused many people to worry about. Not a few net friend from this association to 2009 international financial crisis, the property market in winter of the "back".
The national real estate executive vice President at the wolong is Elijah alliance that, along with the demand for release of rigid, property market and started to clinch a deal faded. The local government will need over just the name of "fine-tuning", add new buys a room to force for housing, "this is more like a release a signal, test market reaction, have also strengthened the confidence of the market, property market will will usher in a new round of rebound."
ZhangDongZe think, only P- other severe policy of substantive relaxing or quit, you a real property market regulation to relax.
"In the present state of affairs, the change of market sales mainly depends on the house prices adjustments. Developers only continued to depreciate sales promotion will win the" fine-tuning "released just need to purchasing power." Related research institutions sorting central China deputy general shanghai house manager YaoRui said that, in the long run, not to buy the ability is strong investment needs support, the housing market out of the downturn is still facing the difficult.
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03
nedjelja
lipanj
2012
College entrance examinations room is a cover
Search the web for "the university entrance exam room" can find a lot of "top room" and "feng shui room" kind of links. Parents in order to figure giovanni cobolli gigli, would rather shanghai house spend some money to also want to let the children live in the "top room" in, but the reporter found that the "top room" is more virtual reel. The expert reminds, avoid the examinee to the new environment does not adapt, examinee had better stay at home.
The university entrance exam room hit top brand
Only a short distance from the university entrance exam time less than a week, students for the exams in the final sprint, parents also no idle. In order to ensure that children can on time on the test day arrived in the examination room, in recent years, more and more parents choose the university entrance exam that a few days let students live in the examination site nearby.
The reporter asked the haidian, xicheng several examination site near the hotel, June 6 to 8 th room only months before they have booked. Some parents to let the child can be familiar with hotel living environment, also booked a week before the room. In the hotel was snapped up, a lot of the examination site near the university entrance exam room also became one of the attacked compounds the optional. And these the university entrance exam room, many claim room in previous years lived high marks the examinee, finally admitted to the "tsinghua university and Peking University", is "feng shui treasure-house", in order to attract a lot of parents of vision.
Hit up the rent stunt
Yesterday afternoon, the reporter contact a long changchun street near a "top room" homeowners. First, the reporter in ordinary renters identity call the homeowners, homeowners said they usually do "short rent" and was responsible for many homes, room one day price for 150 yuan.
Then, the reporter number changed again call the landlord asking prices during the college entrance examination, the landlord said on their lives in this house, only when in the university entrance exam of foreign rent. Because used to live here for several of the candidates got 600 points, so in order to get everyone to "with some happy," his friend to live in during the college entrance examination, let the students can live in the "top room". And this "top room" price is then promoted to 168 yuan a night, harmonics meaning "all the way to send".
Then, the reporter also contacted the haidian district near several examination site billed as "top room" landlord, these are the landlord called their house had admitted to "tsinghua Beijing university" student, but when a reporter cross-examine candidate name, but the landlord falteringly couldn't answer. The room price and with the family room with regional than your out a few yuan to one hundred yuan.
To this, the house agency company concerns chief told reporters, many dozen "top room" and "feng shui room" homeowners actually all was in such a stunt to attract tenants. Because the average such house give everybody the impression is good environment, quietly, and supporting facilities complete, so many homeowners by the name of the university entrance exam is to attract new business.
S experts remind
Change the living environment may affect the examinee play
The Beijing youth law and the psychological consultation service center teacher remind candidates and parents, although for the university entrance exam room can save some for the examinee the road time, but suddenly change living environment to the examinee may have great not adapt, instead affects exertion of candidates. If the examinee's home is not far from the examination site special, examinee can arrange time, live in the home of the more familiar.
S related news
The ordinary university plans to recruit 8000 national defense students
The morning paper dispatch (reporter ShiJianSong) yesterday, the reporters from the city that, this year cadet wise and national defense students recruit students plan has already been determined. More than 40 the military colleges plan recruit students 15000 people, and 86 colleges of the training of the national defense students signed for a total of more than 8000 people.
The examination yuan, head of the remind candidates, national defense students in advance in undergraduate admission batch, and not to the examinee and the parents collection housing in shanghai any charge, and to recruit students to plan are in the ministry of education "sunshine the university entrance exam" web site published. Alert on society about "internal recruit students index" admissions fraud crime.
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02
subota
lipanj
2012
Shenzhen new land reform eschew small property
Shenzhen BuJiZhen dense small property right area, since may by the heavy rain often sneak attack. After scouring the heavy rains, plastered with small property right sales advertisements shanghai house on the wall of the left a road for advertising paper of fade in red, green, mark, but after a moment, a new sales advertisements were quickly with stickers again, covers the faded advertising "ocean".
On May 25, shenzhen official start the second land management system reform, but in the new land reform overall scheme, the industry was thought to be the key factors of land reform success of small property right "made" problem is a muddle, without any more detailed rules for the implementation, shenzhen land related departments facing small property "made" is to keep secret.
But that hasn't moved on small property right market of the normal trade. "Developers or want to bite a log, can FangPan arbitrage will continue to arbitrage, the money in the hand not afraid and policy on time." A small property right of shenzhen developers old Pope to "the Chinese times" reporter revealed their true state of mind.
Shenzhen secondary land reform of opportunities
On May 25 as the starting point, shenzhen from 2010 was brewing this round of land reform official start, this is the second time in shenzhen history of land management system reform, but also the third time in China's history of land reform test to try. Shenzhen, the reformist eldest son will make what breakthrough triggering concerns.
According to relevant media reports, according to reform plan, shenzhen will be to "property rights market clarity, configuration, economical and intensive, scientific control" as a principle of land management system reform, first try first, establish a highly urbanized area land use and management mode, establishes the land resources, realize the role of market allocation of land utilization efficiency, and legalization of the management of land.
And the land classification counterpoising truly, improve land market operating mechanism and land capitalization to try and exploration, it is shenzhen the emphasis of the reform of the revised land.
"Shenzhen if don't through the old city reconstruction, release the land resources, this the resources of the city can't activate the developers of the loss, more than the fiscal revenue for the government, also badly affected." A national enterprises listed room was vice-president with our reporter mentioned shenzhen accelerate the significance of the land reform.
Shenzhen this land reform, has intensified in urban land function adjustment and the examination and approval power of autonomy, the developers of the second use land mouth development ability advantage will also highlight.
"I hope the land capitalization for exploration has been bound to a land income of local fiscal revenue, this also is to transform exploratory central expected the hope of shenzhen." Shenzhen government departments to our director, points out that all over the country are studying how to solve the problem, the reform should be able to shenzhen give some guidance sexual orientation.
Media reports said the, shenzhen land planning and approval of the expansion of autonomy, and make some originally through the land allotment, etc occupy the land of enterprise benefit. According to statistics, including deep konka, special force A, baoan real estate (formerly known as deep hongkey, deep, deep mulberry of heaven and earth, oct, sha he shares, deep industry group, cofco real estate and business real estate, deep vibration industry, deep tian jian A large number of shenzhen enterprise all through the urban renewal transformation, obtain A lot can be developed land resources.
Not start small property
In shenzhen land reform try the water, hot debate outside the small property right with the experts by shenzhen as the success of the land reform important examination questions.
Shenzhen comprehensive development tourism and real estate research institute, director of the center SongDing recently media said, made by the small property right can not effectively implemented it, shenzhen land reform will appear a huge loophole, (effect) will sell at a discount greatly. Only the breakthrough, to talk up land two times update and recruit take hang reform, and continue to land reform measures such as capitalization. "The most important piece of don't move, all other. Joint" He said.
However, strangely, the reporter interviewed in shenzhen city planning and land resources committee, and other relevant departments, responsible continue to deny that will take further action against small property right problem. In talking about small property right of land ownership a history of problems, and the leadership of the attitude of small property right, many choice of the lot.
Then the reporter interviewed the small village is located in shenzhen for property rights, found in the local developer eyes, "small property counterpoising truly" seems to still is a distant topic.
"Made clear this topic is?? Discuss for a long time, estimates that a short time is difficult to have a countermeasures." The whole family are old Pope in shenzhen is engaged in the development and sales business of small property right, the old expert that shenzhen recently "land reform" again small property right of a hot debate on the China times after the reporter said, the so-called counterpoising truly it is difficult to implement, inside short time will not for this kind of housing development have substantial impact on.
Old Pope niece in BuJiZhen open small property right intermediary store, in the face of the numerous project is what they a, 8 July ZhuZhaiFang stories of the house, on the pink wall brick, unified installed to guard against theft, "because the project construction level in this area of small property room do have advantages, at present all units already sold out, the occupancy rate for seven into." Old Pope niece told reporters.
She said it is these developers see advantage in this area of business opportunities, such as China vanke, large developers have assigned, subway is opened, the more business areas have also already forming, etc.
These development pattern in the old Pope's eyes, a small property right problem may not be resolved within a short time one of the important factors.
"Exactly how to screening, qualitative, and planning, it needs to take a long time, but this time intervals, trading is in progress in the market, buying and selling, secondhand the room of transactions between the houses, the 'householder" is difficult to define and property rights, how to determine what qualitative as a scheme to take out? Or is easy to do." Old Pope told the reporter, "the government difficult to master the small property right trading real data, so even if has a plan, also can only stay on the frame, hard as small property right market 'tailor cut'."
Drowned in the underwater tangle
In fact, the interests of the parties to deep game pulled at small property right, made clear the implementation of such measures.
"A large number of small property right is to be able to build, don't rely on the power of the developers can solve? In fact, the local ZhenWei, village of village cadres, and the related institutions and unit is also the leading strength, the construction of the small property right, they have extra income than through the land rent, and let the house of truncated if the development, or made clear, that will make illegal process, an illegal for examination and approval in the front will break to everyone's interests."
In the old Pope home door inn intermediary, reporters noticed specially to commonly known as the "order" investors, they took a fancy to a regional house, will let them leave a few sets for intermediary.
Second land reform background, on the market about policy and all kinds of rumours measure of incoming, but have no small property right trading produce a great shock.
Reporters from old Pope place to realize, multiple small property right developers and investors in recent months since is in constant FangPan. "It is to want to continue the arbitrage, the demand is so great, put a plate is made round blood." Old Pope to our FangPan talked about the original intention.
"Developers of arbitrage opportunities there are still many times, investors can profit from the ChaoFang, side with a side room with a cash wait for policy changes, even if one day the dilemma facing demolition, their income has also reached the expected level." Old Pope explained.
Old Pope says, small property right to stop things are Shouting for many years, but trade still exists, the construction is under construction, and now to deal with can't simply one housing in shanghai size fits all. Developers see these trends, the in the mind is eating the "nerves".
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01
petak
lipanj
2012
A dish offer jiading ascension
According to a website as of May 31, statistics, this weekend (June 2-June 3,) there were seven estate plan in Shanghai opened or addition push homes, launched a total of 1300 shanghai house homes near, a flat last weekend. Of them, the modern city of baoshan three flowers with 389 sets of registered the quantity, expand the market.
This weekend the entries estate plan, many are not directly a discount.
3 flowers modern towers dish sales offices a workers say, the project of the launch of 389 homes, average in 25000-26000 yuan/square metre, specific favorable had not been determined.
Meilan lake garden (BBS photo album door model between example comment on maps search) sales department officials say, the addition push more than 30 sets of two room availability, all price is in 16500 yuan/square metre, "sold the is not."
As the only market this weekend plans a in inner building, located in the may flower hui zhabei house court (BBS photo album door model between example comment on maps search) says, the project will add 100 sets the push homes, average in 31000-36000 yuan/square metre, pay intentions to enjoy 50000 yuan gold buckle 100000 yuan of preferential, otherwise other preferential opening out on the day.
Still persisting in "a few much batch of" push dish poly jasmine mansion (BBS photo album door model between example comment on maps search), this week plan addition push 60 apartment houses and a few villa stack, and it is the continuous 9 weeks addition push building homes, price and the previous levels.
With li wan fei jiading road (BBS photo album door model between example comment on maps search) plans this weekend with push 90-150 square metre fine decoration two rooms, three room, all price is in 16500 yuan/square metre, bulk in every square metre 1000 yuan reduction. The price is 14000 yuan/square metre of early promotion price to rise.
Analysts believe XueJianXiong said zhong this weekend, the Shanghai property market is still strong push disk volume that developers want to strike while the iron is hot, continue housing in shanghai to "QiangShou". But, almost all push the dish a high building pricing before.
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