Raise the rate of loans

Our correspondent Chu Yu Changsha reported that "at the end of last year, my colleague bought a car and implemented a benchmark interest rate." Last week I went to the mortgage car, the interest rate unexpectedly floating 10%.　　Zhou, a Changsha citizen who has just had a mortgage tightening and interest rate on the rise, found that a loan to buy a car also had to pay more interest. According to a reporter visited yesterday, two quarters since the beginning of this year, Changsha, some banks have started to raise the car lending rate, the increase range from 10% to 20%, the highest floating up 40%.　　At the same time, a handful of banks have imposed restrictions on car lending thresholds. Increase the rate of car loans, some banks are very active "for car mortgage loans, banks are basically the implementation of the" risk pricing "principle, this year's interest rate level floating is certainly a trend.　　Yesterday, the province ICBC sales center in charge of the department told reporters. "Our loan interest rate floating right down to the branch. In addition to good customer access to the benchmark rate, most customers will be properly floating 10%-20%, up to 30%.　　The person said. "Only to the purchase price of more than 100,000 yuan customers to issue loans, 100,000 yuan under the car basically do not do."　　"Bank of Communications, Changsha, a branch of a network of loans staff said, at the same time, the level of car loans generally will float about 20%." China Merchants Bank Changsha Baisha Road branch loan workers said that the current bank on the loan model prices are not limited, its car lending rate is generally the benchmark interest rate, but must pay about 3% of the guarantee fee. When the reporter indicated that he is the bank gold customer, the car loan interest rate can float downward 10%, the personage insists, "this already is the lowest interest rate, again low does not have." "On that day, the reporter asked to the CCB car lending rate floating" 30%-40% "is high, construction Bank Furong branch of the credit center, said," Now the bank loan line is generally tight, even if the benchmark interest rate to customers, banks may not be able to timely lending. " At the same time, Everbright Bank Changsha branch and Citic Bank Changsha branch of the people also said that the rate of car loans generally 10%-20%. "If the customer qualification and other aspects of the condition is not too good, the buoyancy will be higher." "Small profits are low, some banks are not cold" car mortgage loan risk is big. A small sum of money low, we basically do not make car loans. Minsheng Bank, Changsha branch of the head of the credit center said. and vigorously into second-hand housing loans to the postal Reserve Bank of the car market but high hanging "Shine". "This year the entire banking line of credit is tight. The size of the loan is small, and interest rates are naturally higher.　　"The head of a bank credit in Changsha said.　　According to the rationale, the mortgage tightening, as a personal loan accounted for a large amount of car loan market should be the major banks of the policy tilt.　　Especially in the May, the car manufacturers inventory pressure significantly increased, some car brands in the recent launch of a drastic price reduction measures to attract car buyers, the major banks should reduce the threshold of car loans to promote the rapid development of car loan consumption. On the contrary, the rate of car loans is not falling and rising. A banking analyst who declined to be namedThat, in addition to the risk of car loans, the overall credit line from the tight, and other factors, the general increase in car lending rate is inseparable from interest rate "sound tight" effect, but also with the banks in the balance of the loan proceeds. According to the reporter accounting, before, according to the Central bank lending benchmark interest rate, that is, 3 years of car loan interest rate is 5.4%, 3-5 years 5.76%. Premium customers can float 10% on base rates. The 3-year period is 5.94%, and the 5-year period is 6.336%, after 10% on the base rate. That is to deal with 100,000 yuan, 3-year car loans as an example, car loans consumers will increase monthly for 24.4 yuan.