3.79% interest rate clients may be adjusted first to mortgage boom or another attack

As BOC took the lead to "axe" the stock-loan clients, many mortgage clients began to worry that the interest rate concession they were enjoying would be adjusted.　　Industry insiders pointed out that the first to be adjusted when it is now enjoying 3.79% interest rate of 70 percent discount customers, do not rule out the possibility of the transfer of mortgage tide. Mortgage loans may be "moving again" to raise interest rates on our mortgage clients, and I am now asking about other banks. When the mortgage, although there are some fees, but compared to each month to pay more interest, rather than the mortgage ' move '.　　Mr. Yu, who handled the mortgage business in BOC early last year, told reporters. "It was thought that the new deal basically adjusts the customer who buys the house, unexpectedly our stock loan customer will also be affected." "Mr. Yao, who lives in Pudong Yang Shi, thinks that banks are" unreasonable "to cancel their stock loans," and that we were able to enjoy concessions in accordance with our policies, and it was expensive to buy a house, and now the cost is rising again. " "Banks adjust the rate of interest on mortgage loans, which means tens of millions of mortgage customers in the 70 percent mortgage rate only a year after the discount." The legal person points out that if there is a "interest rate will be adjusted at any time" clause in the loan contract, the bank has the right to make adjustments in accordance with current regulations.　　The reporter learned that the majority of the current Bank of personal housing commercial loans are floating rate contracts, these contracts in the implementation period, if the benchmark interest rate changes, the next repayment cycle banks have the right to automatically adjust interest rates. However, the bank also said that, "the first to be affected by the 3.79% loan rate of the mortgage customers, the contract was originally signed short, the expiration of the renewal is most likely to be recalled to the current standards, and now seems to be very low interest rates."　　"said a large state-owned credit ministry. At the same time, the bank insiders said that "the banking system does not show the lender is the first few suites, only to see the interest rate of loans." "And that means that banks have a lot of difficulty adjusting to customers with preferential rates. "Due to the inability to determine the set, if you want to cancel the discount on the stock of mortgage, only one client to the preferential rate back." But which customers will take the initiative to change the contract to raise interest rates?　　"The staff thought it was difficult to operate. Adjustment impact has spread to the investment market targeted to combat real estate investment in the "new Country 10", the impact on the market continues.　　Soon, some intermediary agencies said that there have been real estate discounts, some hot cities in the supply of second-hand housing increased, and demand side tend to wait and see.　　CICC believes that real estate turnover and falling house prices will be a big probability, and UBS reported that the 2010 average house price decline may exceed their current expectations: the decline 5~10%. The adjustment of the real estate market also affects the stock market, Monetta issued a report that, because in the A-share market, accounting for 70% of the current market value of the industry and the real estate sector of the linear correlation coefficient of more than 85%, so in the confirmation of real estate prices and sales can be a soft landing,A-share market trend will be under pressure. So where should we put the assets? East Asia China Wealth Management department pointed out that there is no standard answer, because there is no best, only the most suitable. For example, when a bank is conducting financial analysis for investors, it divides each investor's risk tolerance into different levels. Different levels of the appropriate product and configuration ratios are not the same. If investors are extremely averse to risk, want to guarantee the safety of the principal, then it is suitable for investment capital preservation type products, including interest rate linked products, capital preservation type of structured products, etc. if you can take a certain risk, the pursuit of asset growth, then it is proposed to separate the assets in the capital preservation and non-capital preservation products, covering structured products Mixed-bond funds, trust products and so on; if the investor risk tolerance is very high, then the investment of the non-capital preservation product can make up a large proportion, investment some radical stock, commodity product.