Adjustment of mortgage interest rate lethality the strongest old customers worry about being implicated

"The country's new mortgage policy is to combat the speculation of the house, did not expect us to buy the first suite of these loans to the old customers are implicated, as if others are sick, but also to force unrelated third party to take medicine."　　　　"The public is worried by the news that Bank of China will raise the rate of the first mortgage loan in the last two days, and many people worry that the bank's action will lead other banks to follow up," he said. Interest rate adjustment is due to be divided into three categories of Bank of China last weekend, the New Deal rules show that in addition to reaffirming the new deal, and said "in principle to suspend the third and above housing loans", but also in all banks took the lead in the treatment of the stock of loans: according to the contract with the customer, in the interest rate adjustment mode expires,　　The first set of stocks, two sets, three sets and above the floating rate of mortgage interest rates adjusted to the benchmark rate of 0.85 times times, 1.1 times times and 1.2 times times. So "contract, interest rate adjustment mode expires" How to explain?　　Regarding this question, the bank related person in charge in the media interview, said BOC and the customer regarding the mortgage interest rate preferential contract existence three different circumstances, the bank to the stock loan interest rate preferential adjustment is not unilateral, the mandatory "one knife". According to the introduction, the first case is, from the beginning of 2009, the Bank of BOC to the branches issued a notice on the Mortgage Contract Supplementary agreement, the Supplementary Agreement stipulates that the mortgage interest rate is set to 2 years, the interest rate after the expiration of the new adjustment.　　Since the notice is not a mandatory supplemental clause, only some customers who enjoy the preferential mortgage rate have signed the agreement. The second is that, starting from January 1 this year, the Bank of BOC issued a new loan contract text to each branch, which made it clear that the mortgage interest rate is 2 years, the interest rate after the expiration of the new adjustment.　　However, owing to the inconsistent progress of the branches, not all branches were contracted in accordance with the new contract text, so the existence of branches has not yet implemented the new contract text.　　The person said that for the above two cases signed a supplementary agreement or a new House loan contract text of the customer, the interest rate of the period of 2 years.　　　　For the third, the customer who has not signed the supplemental agreement for 2009 years and who has not signed the new mortgage contract this year, the bank will continue to carry out the interest rate concession under the specific contract. The most powerful adjustment of mortgage interest rate is learned, if the rate of mortgage loans adjusted, the most affected is the last year to obtain 70 percent discount rate of two sets of loans. At the current benchmark rate, the 70 percent discount rate for 5-year mortgages is 4.158%, and 1.1 times times the benchmark rate is 6.534%, which is equivalent to an increase of 2.376%. Given the possible interest rate hike in the year, the real rise is even greater when the mortgage rate adjusts for next January.　　　　Combined with the country's recent continuous regulation and control measures, the loans to speculators will produce a huge psychological "lethality." Unilateral adjustment of interest rate is not the default reporter learned that at present other banks have not followed upBOC adjusts mortgage rate. Some people in the industry pointed out that other banks may have difficulties to follow up,　　Because at the end of 2008, when the first-suite customer's mortgage rate was reduced from 85 percent to 70 percent, not all banks signed the agreement, most of them adopted automatic adjustment, gave customers preferential treatment, if you want to raise the price, it may cause strong opposition from customers. However, the practice of raising interest rates on stock loans has also been questioned by insiders: if one of the parties to the contract makes an offer, the other party has a promise that the contract can be enforced. If one side disagrees, the other party unilaterally executes, it is a breach of contract. At present, 70 percent discount rate of mortgage customers, if the interest rate to 1.1 times times the benchmark rate, the cost of repayment will be significantly increased. Some lenders may not even be able to afford a loan break.