Strictly on the basis of the principle of risk-based pricing, the number of banks, mortgage interest rates down to less than the benchmark interest rate. "With the workers and peasants in the construction of four-line forum to convey the spirit, the first set of mortgage interest rates there will be a new round of adjustment." Insiders on the 4th to the China Securities Journal reporter, said the number of banks have credit quality shanghai villa customers to give the first suite interest rates, "according to the different risks, the Bank of China, Citibank, Bank of China, the first suite of loan interest rates up in the benchmark interest rate based on 10% discount, the interest rate first mortgage of the Agricultural Bank of China can play a maximum of 9.5 fold." four line the demonstration effect will enable small and medium banks to follow the pricing.
First mortgage interest rates raised the benchmark within
According to sources, the forum held recently in Beijing, China Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China, China Construction Bank, differentiated mortgage policy, the four will "join forces", the first suite of loan interest rates in the baseline interest rate or less.
The forum will continue to comprehensively implement the differential housing credit policy to meet the first ordinary housing loan demand, in the benchmark interest rate in accordance with the reasonable pricing of risks.
Observers said that due to the tension and other factors by the end of bank line of credit last year, some banks will first mortgage interest rates go up by 5-10%, resulting in significant increase in the purchase cost of the first suite.
"It was clear a number of banks issued a document, the implementation of the standards of first mortgage interest rate shall not be less than the benchmark interest rate for the same period." The source, for some time, the first suite of prime rate loans basically disappeared. However, more than in January of this year, the Construction Bank, Shenzhen Development Bank is beginning to come to the first mortgage interest rates down.
A joint-stock bank said that the bank mortgage application is basically a "one discussion for one". Customer credit rating, risk capacity, even where the areas of real estate risk status assessment, and finally the interest rate pricing. ICBC to the customer's interest rate is based on risk pricing, the CPPCC National Committee member of China Industrial and Commercial Bank, Mr Yang said.
Industry insiders estimate that the demonstration effect of the four lines, the small and medium banks mortgage policy adjustments. "With the loose pattern of mobility is further established, the first suite of loan 8.5% discount rate will reproduce the market."
Buyers can apply to a 7% discount rate, a close supervision of the said mortgage policy of the regulatory authorities did not adjust, and still is the first suite of loan interest rate shall not be less than 8.5%, down payment shall not be less than 30%. "This red line is not yet loose."
But the CPPCC National Committee member, counselor, director of the Jiangsu provincial government Song Linfei, and many members of the CPPCC Standing Committee, Dalian Wanda Group Chairman Wang Jianlin, the proposal called for, respond to 30% off first-time home buyers and for the first time to improve the type of home ownership mortgage recovery prime rate.
Mortgage and then into the bank "meat and potatoes"
According to sources who participated in the forum, in fact, the banks have been in the implementation of the differentiation of the mortgage interest rate policy, the branches according to the amount of funds and regional real estate risk profile appropriate to adjust the mortgage rates.
Late last year, because the bank's overall line of credit is extremely nervous, squeezed out the amount for priority support for enterprise customers.
The source said: "As the banks' corporate customers greater bargaining space, general business loans can go up in the benchmark interest rate on the basis of more than 15%, and even SME loans can go up 30-40 percent from the financial benefits to consider, as a pen 100 million loan under the premise of no risk, the banks of course are more willing to invest in the enterprise customers. "
Liquidity squeeze this year is to be eased. A bank official said, as the Bank of the second cut the deposit reserve ratio, increasing the bank loanable funds market funds falling prices will inevitably lead to low interest rates.
A bankers believe that the put in below market expectations of this phenomenon can be seen, with the downside risks to increase economic growth, demand for credit in sync down from the first two months of bank credit. Bank credit funds can not be effective connection with the safe and efficient project. "
Especially last year's fourth quarter non-performing loans ring increases, banks are concerned that a further increase in credit risk. On the one hand, the banks take the initiative rent house shanghai to adjust the credit structure, compression and exit part of the local financing platform loans, real estate development loans and Project loans; the other hand, more stringent bank corporate credit approval. "At this point, the mortgage business, the traditional low-risk business once again become a 'meat and potatoes'."
Post je objavljen 05.03.2012. u 14:23 sati.