BOC officially cancels 70 percent discount on mortgage rates

Reporters yesterday learned from the Bank of China, the bank issued a notice last week, the first suite of preferential rates from 70 percent to 85 percent.　　At the same time, BOC has completely ceased to cooperate with intermediary second-hand housing. "If you were to apply for 70 percent last week, this week would be a goner." Last weekend, the branch issued a notice, the first suite of interest rate can not hit 70 percent, up to 85 percent. Yesterday, when the reporter to deal with the identity of the lender to consult the bank manager Mr. Wang received such a reply.　　After that, the reporter called the Bank of China Wangfujing Branch, Xidan branch and BOC Beijing Branch Business Department, the three branch of the loan staff have unanimously said that the current in the first Bank of China interest rate to hit 70 percent already is impossible. It is understood that BOC mortgage business to play 85 percent is also very difficult thing, almost "crème." "Credit system can not have overdue records, career stability, the bank's VIP customers can apply to 85 percent discount."　　"People in the bank said. In the interview process, each customer Manager gave a "can do as soon as possible" proposal. This is mainly because banks now have limited credit. The bank, which ran ahead of all banks last year, suffered credit controls at the beginning "Now the bank can lend a small amount, to do it quickly at the beginning of the month, in the late may have no money to lend."　　BOC Account manager said the bank's loan business was suspended for 1 weeks in late January. Not only tightened the new house mortgage business, BOC to the second-hand housing market has also changed the strategy. According to reporters from the intermediary company and the Bank of the Interior learned that BOC has stopped the cooperation with the intermediary, only to do direct guest-type second-hand housing loans.　　According to the intermediary analysis, the first Bank of the intermediary rebate fee is not very agreeable, the second is the Bank of Credit Limited, so simply stopped the business. Market phenomenon 70 percent still can carry out the borrower demand more stringent at present the major banks have canceled the first set of mortgage 70 percent interest rate concessions news.　　Yesterday, the reporter from the Professional loan services, Wai Ka, know that from the current cooperation of the Bank's actual operation, personal purchase of the first set of housing loans can also enjoy 70 percent discount rate. Wei Jia, introduced from the current mortgage market, the central bank and the CBRC did not introduce the first suite loan rate of the new deal. Most banks can still enjoy a 20% down payment and a 30% per cent drop in interest rates on borrowers ' loans, but banks are more strict with borrowers: first, single borrowers must be first-time lenders to buy homes; married borrowers must be first-time home buyers in family members, Such borrowers will be able to enjoy the first suite loan concessions. Second, the bank's monthly repayment capacity of borrowers to review the strength, in addition to the requirements of monthly income certification in the monthly supply of more than twice times, but also must provide income proof in line with more than half a year of bank water.　　Third, the current bank of the borrower's personal credit audit more stringent requirements for personal credit records, no bad reputation, such as the borrower has appeared in a year three consecutive or accumulated six times overdue repayment, the bank will be lenient refused to sign. Reporter yesterdayJapan through the four state-owned banks, the bank, the bank's customer service telephone to understand that, in addition to BOC, other banks for the first set of mortgage interest rate concessions can be 70 percent.