Loan Profit space limited the first suites of some banks in Beijing have shrunk

Following the news of the cancellation of the "first set of mortgage rates" in Nanjing and Chongqing, the city's mortgage market is also "a mountain of Rain".　　Yesterday, reporters visited the city of several banks learned that the current city did not cancel interest rate concessions, but the preferential margin than a while ago a "shrink", can get 85 percent discount must be a very good lender. In a state-owned commercial bank in the area, bank service staff told reporters that the bank's rules, mortgage applicants can obtain a maximum discount rate of 85 percent, but this does not mean that most lenders can get the discount. "We have to review the credit credentials of the lender.　　"Customer service staff said that credit qualifications not only include the borrower's credit card has no bad records, the past credit repayment, and so on, but also with the lender opened in the bank account deposit amount, age has a certain relationship. It is understood that the city also has individual banks can give a 70 percent discount margin of "super low" mortgage, but only in the bank daily average of 300,000 yuan to 500,000 yuan of "high-quality customers."　　In fact, for most customers, the first set of mortgage concessions can only hit 85 percent. China Merchants Bank, ABC, and several other outlets, said that the vast majority of applicants finally received the first set of home loans preferential rate only around 90 percent.　　A lobby manager at one of ICBC's outlets said that both the average customer and the "quality customer" were performing more than 85 percent discount. Why do banks recently collectively raise the "threshold" of real estate loans? The bank's tightening of real-estate credit had to be "collected" because of pressure from regulators, according to one bank insider.　　But with two consecutive interest rate hikes late last year, banks continued to attract customers with lower-discount mortgages, with little profit margins and a further increase in risk. At present, the benchmark rate of RMB deposit for five-year period is 4.55%, five-year loan interest rate is 6.4%, if the loan rate is also calculated according to the 70 percent loan rates, the real loan interest rate of the lender will be as low as 4.48%, which equals the bank deposit and loan interest rate "upside down"　　And if, according to the current minimum lending rate of 85 percent per cent of banks, the real lending rate is 5.44%, the interest rate of five-year deposits is only less than 1%, and the loan profit space is limited. Industry analysts believe that in the past, banks in the total amount of credit is more lenient, through a higher preferential strength to attract mortgage customers is feasible. But the current mortgage control policy is frequent, credit is shrinking, so the bank also began to increase the "unit price" that is, the loan rate to increase the return on profits. (Reporter Shen Intern chong Xiao Meng)