Banks are forced to raise interest and sign a contract.

Banks to raise the first set of mortgage interest rate buyers house after households and not get the loan bank approval of the same loan promised to 85 percent of the interest rate, when the house is over and the loan contract is formally signed, the bank will charge the benchmark or even float 15% of the interest rate, resulting in the loan cannot be issued and the seller will not receive the room payment.　　Because of the tight credit line, many banks have raised their first mortgage rates, even for customers who have signed the same loan, in order to "fill the price". Buyers to increase the price is difficult to accept higher than yesterday afternoon, Shenzhen, some "other lenders" to the Shenzhen Banking Regulatory Bureau complaints.　　After the Spring Festival, because of the big four state-owned banks, including most of the banks, there has been a reverse price to improve the first set of mortgage rates, resulting in many places have a house over households, but can not get loans embarrassing situation. An "interest rate discount adjustment victim 2," the QQ group yesterday gathered hundreds of "other lenders." Group of netizens said, "Just the general manager of the bank loan call me, asked me to pay 2 per thousand of the financing fee can be a priority loan." "Another netizen said:" My bank account manager to me to want more than 7,000 yuan of wouldn't, put 85 percent paragraph. "The general manager of a mortgage company in Guangzhou told reporters that the agency's business, which was filed in the year before, was currently 30% without lenders, and that the amount of 15%~20% was that the bank had granted the same loan in a year ago."　　At present, the bank adopts the "tow" method, saying that it will look again next month. For those whose houses have been transferred, the price of the bank has put them in a dilemma, on the one hand, if the banks to accept the price increases, the cost of their own mortgage will increase a lot.　　It is difficult for buyers to accept such a price increase. On the other hand, if the price is not accepted, the bank cannot afford to pay the seller, and there is a breach of contract.　　If the house back to the seller, to 100 square meters of 2 million yuan in the house as an example, if the transfer, the buyer and seller will pay 162600 yuan tax, due to the buyer's default, taxes and fees have to bear the buyer.　　Banks either drag or drop the new deal is not against the first set of home loans, why the banks to raise prices, the same loans to the customers also a knife cut it?　　Industry analysts said that this year because the central bank to raise the reserve ratio, the majority of bank credit lines have to passively compress, in this case, in order to price replenishment, banks have to try to raise interest rates.　　Yesterday, the reporter to CCB, ICBC and other branches in Guangzhou to understand the situation, the bank believes that banks need to adjust the real estate regulation of the credit rate. ICBC Guangdong Branch of the Department of Business Response said that the personal mortgage loan time required according to customer information integrity, processing one or two hand real estate transactions registration procedures, the specific circumstances of the registration time, the different cases will not be consistent, but generally do not have the phenomenon of delay in lending. It is understood that ICBC in Guangzhou branch of the relevant provisions of the signed loan letter of intent of the housing loan, in line with the contractSubject to the terms of the agreement, the first-time home buyers ' loan preferential rate can still be executed according to the contract.　　CCB Guangdong Branch of the office of the head of the reporter said, the current first-suite home loans basic cancellation discount, two sets of mortgage interest rate floating in the benchmark rate of 1.1 times times.　　Bank of China and other relevant people told reporters that the start of the suite's interest rate is generally the benchmark rate, for some quality customers, according to the actual situation to use 85 percent of the preferential rate.　　However, a mortgage company boss revealed that the bank with the loan is valid for a period of time will be ineffective, the current bank is either to take the strategy of drag, the customer expressed a tight limit, lending to, or to the client to accept a higher interest rate, immediately lend.　　Case House has been transferred to the bank but the price of the recent, because the bank to raise the first set of mortgage rates, in the market waves. The Gaozu in Zhongshan was bought last September, and the seller signed a sale contract, paid a down payment, then went to a joint-stock bank to apply for a 172,000 yuan mortgage, because it is the first suite, the bank agreed to give 85 percent of the interest rate, and in November out of the same loan book, with the letter clearly stated interest rate down 15%, said that after the completion of the mortgage can be issued loans.　　Get the same loan book, Mr. Gao and the seller to the Housing Bureau handing over the house transfer procedures, the house in last December 2 transfer, and on 29th out of the pieces. Then years later, Mr. Gao went to the bank to deal with the formal loan contract, the bank printed out the format of the contract is blank, the account manager said to carry out the benchmark interest rate, Mr. Gao did not agree that the bank, refused to sign the contract. So the house has been unable to do the mortgage, can not put money.　　The seller because the house has been transferred, the room is not collected, every day to find Mr. Gao and intermediary noisy.　　Yesterday, Mr. Gao called the Bank account manager again, the other side said that either Mr. Gao accepted the benchmark rate, immediately signed the contract and the loan, or Mr. Gao gathered 300,000 yuan deposit in the bank for 3 months, to handle a VIP card, the bank promised to give 90 percent interest rates. Lawyer Bank exists contract negligence Associate Professor Li Wensheng of law School, Guangzhou University, said in an interview with reporters although the bank and the client did not sign a formal loan contract, but the same loan issued by itself has constituted a commitment to have the legal effect, now the bank quicker, is contrary to the principle of good faith, the bank's counter price, both default,　　and tort, should bear the legal responsibility. Beijing Lida Law firm lawyer Yu Yu Analysis said that, for such a situation like Gaozu, although there is no formal loan contract, but the bank of the same loan is an agreement, is a certain degree of legal binding, now because of the price of the bank caused the contract can not be signed, the bank has a contracting fault.　　As for the negligence of the contract, the 42nd article expressly stipulates that in the process of concluding the contract, the parties have violated the principle of honesty and credit and caused losses to the other party, and shall be liable for compensation. Reporter observes the mortgage market chaos this reporter roughly statistics, since last January, about the adjustment of mortgage policy, onUp to seven times. However, when the New Deal is published, there are often some doubts to be solved, such as the need for clearly defined concepts that are not clear and what to do during the transition period is not stipulated. As a result of each new deal announced, banks in the implementation of the fragmented. If the old rules are good for short-term performance growth, banks will procrastinate on the basis that the new rules are not enacted;　　The bank generally raised the first set of mortgage rates, it is not within the national New deal.　　The country's regulatory policy was intended to combat speculative buyers, to support the purchase of the first housing rigid buyers, the result of the implementation of the first set of home loans are stuck tightly, two sets of mortgages is easier to lend. We all accuse banks of being overbearing and unscrupulous. But banking insiders complain that the frequent adjustment of the mortgage policy, the banks are also at a loss, such as the 30% discount rate of preferential policies, is originally the financial crisis in the special period of the country to boost the economy of the special policy, but the new deal on the announcement, whether it is a newly-applied mortgage customers, or have a deal of Asking the bank for a 70 percent interest rate, now that the special period has passed, interest rates have returned to normal, but those who have 70 percent interest rates, because of the protection of the contract, in the absence of a clear policy in the country can not easily return to the benchmark rate. Reporter Fangliping, liang