Banks make a big difference in mortgage rates next year

The State Council yesterday made clear that the implementation of differentiated credit policies should be intensified.　　This morning, the reporter wired up the major banks in Shanghai, the credit part of the information to get a staggering consensus-although the current row on the next year's lending is not clear, but the bank still has "independent" to draw up interest rate space, next year, the difference between bank lending rates may further increase. The bank's latest stance "will be different" this year, many home loan applicants have been feeling the difference in the level of interest rates offered by banks. Mr. Wang, who applied for a loan in the middle of the year, said he had started his application in ICBC and was told that interest rates would only hit 80 percent, but then at Ping an bank, he received a 72 percent discount.　　"By next year, the difference could be further expanded," said a joint-stock bank credit manager. According to the spirit of the executive meeting of the State Council yesterday, "in the real estate credit policy, we should increase the implementation of differentiated credit policies and effectively guard against the risks of various types of housing mortgage loans." This is the first year of the central government to the domestic housing price trend positive stance.　　"Senior financial commentator Ma Hongman said this morning. Of course, the recent market on the mortgage market to tighten the rumors, the regulator gave a clear denial, the CBRC deputy chairman Banding said the CBRC's policy on a suite of rooms and two has not changed. "We expect the real estate market to continue in the current situation without major new policies," he said.　　Xiaosuning, president of Shenzhen Development Bank, also thought so. Last year, affected by the financial crisis, Kwok 131th stipulates that the interest rate for two sets of mortgages can be determined by the trade bank on the basis of the benchmark interest rate. But in the actual implementation, because the risk can be "fair" to determine, the major banks of the two sets of mortgage policy once appeared loose.　　Next year, will banks ' discretionary interest rates have a "tightening" in the policy context? "It is entirely possible that this ' regulation ' is likely to be further refined. "Although the credit situation of the bank is not clear to the next year, even if there are no changes in policy, banks still have greater autonomy in drawing interest rates," said the head of the Shanghai-owned large bank.　　"All along, the mortgage, especially the two sets of mortgages have been in the fuzzy zone, the relevant policies to allow banks to set aside the" room "is also larger. The big line has the progressive interest rate "impulse" for yesterday's meeting spirit, the reporter today carries on the interview to the bank credit part of Shanghai. "First house down payment 20%, the highest can enjoy 70 percent discount, so far did not receive the first set of mortgage interest rate increase to 80 percent notice." This is the latest statement from ICBC's customer service staff. The statement from the CCB is, "if the second suite per capita area than the local level, the minimum down payment of 40%, mortgage interest rate increase, the specific increase in accordance with personal circumstances, branches and sales department flexible treatment." "From the deep development of the saying is," the current policy of the first house down payment minimum 20%, the interest rate can float 30%. "It is worth noting that the first half of this year, the interest rate of trade bank loans has declined, because the housing market competition is fierce, although large banks from their own business strategy to take into account the mortgage rateSome adjustments have been made, but for smaller trading banks, the mortgage business remains the quality of the business they strive for. "The mortgage boom, launched by small and medium-sized joint-stock banks in the first half of this year, is a good example. "The head of a bank credit department analyses that next year is likely to be more flexible, advising lenders to" around ", while the likelihood of receiving preferential rates in small joint-stock banks is much more likely.