Interest rates on small and medium banks can still float 30%

(Reporter Chowa Linghuishan) Mr. Liang recently heard that the second mortgage interest rate will be canceled, he has already bought a second suite plan, he worries that the amount of repayment will be greatly improved. Reporters yesterday learned from the Guangzhou bank, the big bank lending more cautious, ICBC and other big banks made clear that loans to buy a second house interest rate will float 10%, and deep development and other small and medium-sized banks said interest rates can also float 30%.　　　　In addition, John Mortgage related people said that the current improvement of housing can still enjoy concessions, that is, the first suite per capita area less than 29.9 square meters, and then buy a second suite, you can down payment 30%, the loan rate of 30%, but if not the improvement of housing is more difficult. Big banks at least benchmark interest rates in accordance with the CBRC regulations, the purchase of a second set of non-improvement housing, a down payment of 40%, the loan rate of 10% floating.　　Banks have been loosening up in policy enforcement because of the different definitions of improved housing. Yesterday, the reporter called a major bank lending center to consult two sets of housing policy, the bank staff said vague, although not received the latest policy documents, but can not simply inform the first Shengcheng number of two suites and interest rates, he insisted that the customer data to be approved before the determination.　　The person said that the audit standard for the second suite is mainly the customer's credit record, as well as individual comprehensive assets. ICBC a network of people told reporters that the current policy on the second mortgage rates stringent requirements, interest rates must be based on the benchmark rate of 10% floating.　　The bank said that the recent mortgage policy has been adjusted, loans to buy a second apartment to cancel the preferential rate, can only carry out the benchmark interest rate. However, the deep development of the people told reporters that there is no notice of cancellation of interest rate concessions, if the purchase of a second suite can still find ways to float the rate of 30%.　　　　The bank has told reporters that the current two sets of loans can still enjoy a 30% discount on interest rates, but this kind of discount may be adjusted in the near future, has not received the relevant notice. Intermediary said whether the discount to see the bank reporter found that real estate intermediary attitude has also undergone a subtle change: The two sets of mortgage rate concessions can not be packaged, and other real estate agents, such as John, billion, and other property intermediaries said that the end of the bank's loan limit is almost exhausted, a number of banks have tightened the mortgage, the current preferential rates are difficult　　Whether to enjoy the concession depends on the bank's approval. "Since October, the attitude of the major banks towards the two mortgages has become clearer." Zhongyuan Real Estate related Personage tells a reporter. Bankers said they had received a policy document on October 14 to tighten the two-Shengcheng number of mortgage loans and the percentage of interest rates to float.　　As policy documents are issued to banks and banks and then issued to various outlets, there may be differences in time, but most banks are already implementing two sets of mortgage policies, especially in the four major lines more stringent. Zhongyuan Real Estate said, in fact, Foshan bank earlier than 3 months ago began to strictly enforce the two set of housing policy. To prevent credit risk, the major banks in Guangzhou are alsoIn practice, although the bank's current operating schedule is different, but the minimum down payment of 20%, interest rate hit 70 percent times has become history. Preferential cancellation of more than hundreds of yuan per month more than a real estate intermediary concerned for the reporter calculate a sum, assuming the purchase of a second suite, loan amount of 500,000 yuan, repayment period of 10, in accordance with the previous enjoy the lower 30% interest rate concessions, to adopt a matching principal repayment method, The monthly repayment amount is 5099.89 yuan, once the preferential rate is cancelled, according to the benchmark interest rate loan, the monthly repayment amount is 5535.97 yuan, the month increases 436.08 yuan.　　If the interest rate rises 10%, the monthly repayment amount increases to 5686.05 yuan, the monthly repayment increases nearly 600 yuan. "At interest rates, the big banks basically say interest rates at least benchmark interest rates, if the VIP customers, the rate can not float up to 1.1 times times, other ordinary customers are required to float 1.1 times times." Zhongyuan Real Estate people told reporters.