ABC: 70 percent discount on old mortgage is expected to continue next year

CCB said it will continue the concession, BOC is not clear Yangcheng reporter 刘薇 reported: The central bank twice in the year, in accordance with the practice of bank adjustment rate, most banks will be January 1 next year to implement two interest rate after the new rate, but before the 70 percent, 80 percent of the mortgage concessions will continue?　　28th, Agricultural Bank of Guangdong Province, vice president of the Zeng to Guangdong Radio "livelihood Hotline" to the public to throw "reassurance": as long as the regulatory policy unchanged, the bank loans in the old mortgage customers can still enjoy a minimum of 70 percent discount. In early November this year, the regulator issued an oral notice asking banks to cancel the 70 percent discount on their first suite and move on to a minimum of 85 percent, which was seen as the end of "the best rate in history", but the verbal notice did not involve an adjustment in the amount of housing loans. "As long as the regulatory policy does not involve the stock of mortgages, according to the contract, the original agreement is 70 percent, the next January 1, even if the interest rate hike, the discount should still be unchanged."　　Zengzhaohua said that in the contract between ABC and customers, there is a situation that will change the discount, that is, "if the policy adjustment", "so only the regulatory authorities to adjust the stock mortgage concessions, the head office has arrangements, we will follow the adjustment."　　Zengzhaohua also said that overall, next year's credit is bound to tighten this year, the difficulty of obtaining loans from banks will also increase, the Guangdong Agricultural Bank in 2011, the loan business will focus on supporting the first suite and the demand for housing loans, the speculation on the residential, non-self-residential investment needs will be tightened. Yesterday, the reporter consulted the Guangdong Provincial Construction Bank, BOC and other other banks. A mortgage manager at CCB also said the 70 percent discount for old mortgage customers should continue next year, only the benchmark rate will rise, she advises lenders if there is no special need for the best not to advance the loan, because "like such a discount will not be the next year", the current construction Bank of the first suite of the lowest implementation is 88 percent, " Credit is tight next year, maybe even this discount may not.　　And the earliest announced to the stock of loans discount "move Knife" bank, because the loan contract agreed to adjust the time has not expired, whether to cancel the 70 percent discount is still not clear. If the old home loan 70 percent discount can continue, to the lender is undoubtedly a positive. With a 800,000-yuan 20-year commercial loan in accordance with the matching principal and interest repayment method, implementation of the benchmark rate of 6.4%, monthly for 5917.58 Yuan, the implementation of 85 percent discount, the interest rate of 5.44%, the monthly supply of 5476.02 yuan, if you can continue to play 70 percent, the interest rate is 4.48%, the monthly supply of 5052.56 yuan.