Loan dispute reappearance: Contract signed May 75 percent discount changed

Every reporter Xuzi from Shanghai recently, "Daily economic news" has been received from all over the country to call the readers, most of the focus of attention is "the bank did not comply with the contract to postpone the mortgage payment." Guangzhou Citizen Huang (alias) this week to reporters, it was in September last year and CCB Tianhe Branch signed a mortgage purchase loan contract, the purchase procedures have been fulfilled, property card has already been transferred, but today, the bank has not yet issued a purchase loan. Huang said: "I was the first suite purchase, when the contract with the bank, the bank gave a 75 percent discount." However, the signing of the contract is nearly 5 months, the bank on the basis of tight to delay my room, but also to the original 75 percent discount rate to 1.1 times times the benchmark rate. "Suddenly changed the 75 percent interest rate to 1.1 times times as the first home purchase, and the first payment ratio of more than 40%, when Huang was promised by the bank, it will be the bank 75 percent loan concessions."　　September 26, 2010, Huang signed a loan contract with the bank, and signed the "Special signing clause". According to the information provided by Huang, the "floating interest rate, which is 25% per cent of the benchmark interest rate", is stated in the 31st clause of the special sign.　　The day after the signing of the loan contract, the bank signed a notice of consent to purchase mortgage. The reporter in Yellow Orange provides the contract last see, the signing date is "September 26, 2010".　　At the same time, the CCB Guangdong Branch Personal loan contract Special chapter also clearly visible. According to the Guangzhou Yida Mortgage Service Co., Ltd., which handles the real estate mortgage, Mr Zheng recalls: "Huang signed the contract, after the completion of the property transfer procedures, and last December transfer success, the property card to the bank after the mortgage loan." But at that time the bank did not lend. "Since there is a promise and the bank is covered, I just have to wait for the bank to lend." Huang said, "But after the spring festival, the CCB staff called me, saying that because of the tightening, the bank has to readjust the lending rate."　　"According to the calculation, the total amount of yellow orange commercial loans of 700,000 yuan, mortgage 15, if it is 75 percent discount rate, yellow orange monthly repayment of 5338.87 yuan; if the loan rate is adjusted to 1.1 times times, the monthly payment will be increased by 770.83 yuan, so that the interest of 15 years will be more than 140,000 yuan "I have dealt with the bank many times, but a staff member told me that the bank is now in a tight line and is currently lending only 1.1 times times the interest rate," the regulator will investigate Huang said. "The bank is now saying that the mortgage rate will be raised to 1.1 times times the benchmark rate to lend, or it will be pressed." But the bank also said banks are unable to guarantee lending time even if they are being adjusted.　　Mr Zheng said. Now let the yellow orange worry is, because is to buy second-hand housing, if the bank is slow to lend, then she will not be able to get the house.　　Now the house can not get, the property card also can't get. For Huang, the dailyEconomic news yesterday to the Guangdong Provincial Bureau of the CBRC reflected the matter.　　The relevant staff of the information service of the CBRC said that it would be necessary to know the specific circumstances before replying. "At present, we do not see the mortgage contract, and the fact is not very clear, we will understand the matter as soon as possible, and answer you."　　said the person. CCB Guangdong Branch Office Zhou manager said: "Now the bank's credit line is very tight, delaying the lending may have, but such a long time case, we have to understand, and then give customers an account." We will reply to you as soon as the investigation is clear. "Since the two sides have signed a contract, the contract will be established and effective according to the contract, and both parties shall fulfill their obligations and assume responsibility according to the agreement," said Hu Yihua, a lawyer at Hanliang law firm in Beijing. ”