Beijing most banks ' first set of mortgage interest rate adjustment 85 percent

The bank completely cancels 70 percent mortgage interest rate in the real estate regulation big environment, not only two suites, three suites mortgage tightening, the first suite mortgage discount also quietly "shrinks".　　This morning, reporters from the capital of several banks confirmed that the current majority of banks have canceled the first set of home purchase loan rate of 70 percent discount. Reporters from the industry, agriculture, China, Jian, Citic and other banks to understand that these days, the banks have been receiving the headquarters of the document.　　Whether it is first-time home purchase, or buy two suites, the new policy requires: to increase the down payment ratio, reduce mortgage rate concessions.　　A source close to the Citic Bank told reporters that the bank recently issued new rules, from this year's state regulation of real estate, the first mortgage rates have been from 70 percent, 80 percent, adjusted to the current 85 percent. The reporter investigates the first set of mortgage interest rate Bank discounts are understood, at present, each bank to the mortgage payment ratio requirement is similar.　　In the first set of mortgage rates, the capital to open a mortgage business of more than 20 banks, most have canceled 70 percent preferential rates. But not all banks are "one-step", unifying to more than 85 percent or benchmark interest rates, and some banks can offer a 75 percent discount rate, such as Citibank, to credit-good customers.　　But for ordinary customers, 70 percent of mortgages have been basically "extinct." Even so, it is not easy for homebuyers to apply for a 75 percent interest rate in a specific operation. Because the bank requests the loan person to provide the income proof, carries on the strict examination to its asset condition.　　For most customers, most of the actual applications are over 85 percent of the preferential rate.　　The industry suggested that when applying for a loan, you could ask a few more banks and choose a bank with a relatively favorable interest rate.　　Only affect the new mortgage customers old customers do not change the first suite also loans less than 70 percent interest rate, has been enjoying the benefits of the old customers will not be affected? "For customers who have already implemented a 70 percent discount on the loan rate before the adjustment, the current rate implementation standard remains unchanged."　　"Silver rate net analyst said, the bank adjusts" first suite "loan interest rate, affects the crowd mainly is the Bank new mortgage customer.　　The reason analysis and regulation have nothing to do with the bank in order to make more money for the first-suite lending rate, the CBRC and the People's bank stipulated that the benchmark interest rate can be up to 30%, the number of specific float, by the bank itself determined. The head of the bank's mortgage department, who declined to be named, told reporters that 70 percent interest rates were basically unprofitable for banks.　　The bank's tightening and macro-control policies have nothing to do but raise profits.　　In addition to cancelling the 70 percent discount on mortgage rates, some banks have recently prioritized higher-yielding loans, such as operating loans and consumer loans, because they can float interest rates.　　To help you settle accounts loan 百万20 more than 110,000 yuan for the first house buyers, the loan interest rate increased from 70 percent to 85 percent, meaning that the loan interest and monthly supply are significantly increased. According to the calculation, suppose the loan 1 million yuan, the term 20 years, according to the current 5The benchmark interest rate for loans over the year is 5.94%, compared with 70 percent interest rate and 85 percent interest rate, the monthly amount is 483 yuan, and the total interest in 20 is over 110,000 yuan. Loans 1 million yuan, 20 interest rate, monthly supply and total interest rate of the monthly contribution (yuan) total interest (yuan) 70 percent interest rate 4.158%6143.38474411.628.5 discount rate 5.049%6626.66590397.45 Total interest difference (yuan) 115985.83 months for the difference (yuan) 483.28 mapping/Mao Jingdong market impact or will stimulate the purchase demand ahead of the release of Wei Ka, the relevant person in charge said, currently, the two sets of mortgage interest rates up to the benchmark rate of more than 1.1 times times, three suites stop lending, in such "environmental pressure",　　The first suite can still have 85 percent discount, the home buyers psychologically still can accept. The person in charge believes that the real estate market adjustment has gradually stabilized, the mortgage interest rate should be adjusted higher this expectation, but will stimulate those who are now watching, there is a potential demand for housing groups to seize the "shot", so that the demand for home purchase early release. After a period of downturn in the mortgage market, the near future is expected to "hit bottom rebound." Wen/journalist Zhang Yi Zhang Yuan