Guangzhou mortgage rate has not been unified to raise the price of banks is obvious

Qin Liping Yesterday, the market has been rumored that from March 1 onwards, the major banks in Guangzhou will raise the rate of individual real estate loans, one of the first house mortgage rates will be on the basis of benchmark interest rates, the rise is unknown, the second House mortgage interest rate will be raised to 1.1 times times the benchmark rate. "The first financial daily" interviewed the Agricultural Bank of Guangdong Branch, including several banks, have responded to the lack of a unified increase in the rate of personal mortgage loans notice, did not start on March 1 to unify the specific plan to raise mortgage rates.　　Yesterday, a mortgage account manager of ICBC said to this newspaper, the bank currently for the new application of the first suite of loans to carry out the benchmark interest rate, the second house mortgage rates at 1.1 times times the benchmark rate.　　But in fact, some banks in Guangzhou have raised mortgage rates. Merchants Bank of Guangzhou, a customer manager of a mortgage, said to this newspaper, for the first suite, the current interest rate level for the benchmark rate of 5%, one months can lend, "floating 5% is already the bottom line, to tell the truth, even if the upward 5% we are not willing to do now." He said it was hard to say whether the first suite would still be able to enforce a benchmark interest rate of 5%, depending on the bank's availability of credit lines.　　And for the qualified customers, the second house mortgage rates on the benchmark interest rate on the floating 10%~15% about; for the less qualified Account manager, the current two suites on the benchmark interest rate on the floating 20%~30% of the lending situation. The bank has a customer manager said that the current first suite rate is based on the benchmark, two sets of 10% on the benchmark interest rate, and the interest rate is approved by the bank agreed to the loan interest rate, rather than on the day of the loan confirmed interest rate. But if the customer is not good enough, the second apartment loan interest rate on the benchmark interest rate on the floating 15%~20% also exists.　　Guangzhou agricultural firm A mortgage manager also said that there is no notice of interest rate hike, still according to the document issued by the headquarters in February, the first set of the lowest benchmark interest rate, the two sets at least 1.1 times times the benchmark interest rate issued, but the final interest rate should be determined on the day of the loan. In fact, in the middle of February this year, some banks in Guangzhou have already cancelled the preferential rate for the first suite, and the benchmark interest rate or the benchmark rate is up 10%. In the interview, we can see that some of the banks to increase the trend is more obvious. A joint-stock bank mortgage business people to this newspaper said that at present in Guangzhou market, there have been some joint-stock banks to take a cooling attitude to the first set of loans, "do very little." The first suite to benchmark interest rates, reported to the leaders do not approve, because they have to consider the comprehensive income. Loans into scarce resources this year, banks would rather lend to quality customers, that is, comprehensive contributions and comprehensive income of high customers, such as in the bank to make a loan, but also to contribute to deposits, can buy some financial products and insurance, can handle credit cards and other business. "The person said that at present some joint-stock banks to deal with the first set of loans to accept the benchmark rate of floating 10%~30% conditions, otherwise do not accept the loan application." "Two suites are the same, some joint-stock banks in the interest rate has no first set, two sets, are to float interest rates." ”