Pearl River Delta Credit Survey: Interest rate floating 9%-120%

First Suite mortgage rate has been 1.1 times times, the rural household account can enjoy 95 percent, the amount is false, the highest loan price is the truth of the financial weekly retail banking laboratory researcher Li Wenshan/Wen no unprofitable banks, the bank's loan types are constantly shuffling and playing games between each other. A renewed rise in the reserve requirement rate has made bank lending more tense. How to get as much benefit as possible in this situation is something the bank has been considering.　　This is also the root of the bank loan game. The people's livelihood has stopped the home loan nearly half a year, the big bank has reclassified the credit type preference pricing Ability High "now the quota is so tense, the mortgage interest rate floats the space is not very big, and the loan time is relatively long, has no profit to say." But businesses like SME loans or some business loans to business owners are different, and these rates are buoyant, and lending time is only 1-2 years old. We are now actively expanding this category of loans.　　Said Mr Chen, a SME credit person at Minsheng Bank Guangzhou branch. From the above, we may be able to understand why banks are starting to switch their lending priorities to higher-priced loans such as SMEs.　　It is understood that in fact, as early as last year, Minsheng Bank in Guangzhou, Shenzhen, Dongguan and other Pearl River Delta region has begun to gradually stop the acceptance of home loans and many of the loan amount to its current main push brand credit and SME loans. Careful observation can be found in the Minsheng Bank of many branches of the electronic screen will play on the "Business credit" slogan, its attention to the extent of this. "Probably after last November, the business of the mortgage almost all stopped, if a customer to consult about the mortgage, we will say that the main mortgage is now not in the push of credit."　　Minsheng Bank Shenzhen Branch of a branch of the president of the reporter disclosed. In addition to Minsheng Bank, some joint-stock banks such as deep development, Societe Generale, CMB, Everbright and so on have shown a high pricing capacity of the momentum of the loan.　　But these banks are still doing mortgage business, no Minsheng bank to stop the mortgage is so crazy. "It is true that many banks in the industry are moving to the types of loans related to SMEs and so on." The so-called good steel used in the blade, with limited resources to obtain as much as possible returns, the bank exists this practice is not delicious. Like the state-owned four lines because originally spread the stall is bigger, and also has more large loan projects, so the classification of loans is less obvious than joint-stock banks.　　"Shenzhen a joint-stock Bank branch credit director revealed. He also said that "the further tightening of the loan line and the country has introduced a lot of support for SME lending policy, and SME loans is not yet deep digging in the region, so many joint-stock banks hope that in such a period can also be a certain degree of restructuring of the loan pattern, Seek to further improve the level of pricing capacity of loans. "The shortfall is just an excuse for banks to seek better loans," said Ding Wei, vice president of the Bank of the late last year."We are always looking for a reasonable structure with a lower capital consumption and the largest scale in terms of retail lending," the financial Weekly said in an interview. Although the pricing capacity of non-mortgage loans is higher, but the same loan amount, do mortgage capital consumption is lower, but not the mortgage is more capital consumption, the 2011 CMB's mortgage and non-mortgage loans are expected to be 6:4.　　"It follows that the consideration of the types of bank loans is to a large extent not only the issue of pricing but also other factors such as consumption of capital." Ping An bank, a branch of credit in charge, said, "Like our peace this is not very large banks, in fact, it is not our turn to select customers, as long as there are customers to come to us, we hope to be able to serve and retain as far as possible." "In fact, the demand for home loans is still very large, I know that there are many not big banks in fact the amount is not as tight as the big joint-stock banks, they are also in the main to carry out the mortgage business in order to expect these businesses to get more customers." For small banks, the moment is a good time to expand clients through mortgages.　　Said the ping-an person. "There are a lot of banks, especially big banks, that are nervous about foreign propaganda, and the inability to make timely loans for mortgages is just an excuse to look for better borrowers and expect higher rates," he said. In fact, these banks do not reach such a level of tension, which also exists in the high price, who is willing to accept higher interest rates, to whom to lend quickly. "The first mortgage rate has already floated 10%, the rigid demand is still very big at present even if the bank accepts the application for the loan, but the interest rate already" is not the same. First Suite mortgage rates are already missing, and many banks ' current first-suite mortgage rates are almost all 10% of the benchmark rate, and some of the applicants ' lending time drags on.　　Even if all processes have been approved, the loan is delayed. Had previously suffered "interest rate discounts were suddenly canceled by the bank, lending time uncertainty" of the mortgage aggrieved incident, "said some parties," a lot of people have rigid demand for the first set of mortgages, the state should not be fully across in interest rates, to take into account those who do not exist investment in property behavior of the self-buyers demand. The interest rate is so tossing about, we these housing debt will be much more. "Ping An bank said," Now the mortgage concessions have disappeared without a trace, at present, if the rural residents can still do 95 percent, if it is the urban hukou so the interest rate is basically the benchmark rate of rise, of course, the current first-suite down payment or 30%. He also disclosed that, "although the mortgage rate is still relatively high, the mortgage loan cost is higher, but there are still many buyers in demand." Like us and poly, Vanke and other real estate developers to carry out the loan of the primary room, the number of days has not been launched, there has been a lot of people to submit applications, all hope that the current bank has a quota to quickly handle. "Several people who have recently become formal" mortgage slaves "spit out theirVoice, "See the previous mortgage interest rate discount on the matter, in fact, very worried about the heart." In fact, interest rate hike interest increases this is one thing, another worry is fear if the bank can not timely lending, the agreement with the developers agreement will be wasted, may appear both to pay liquidated damages prepared to get the house and no, that is really lend your money. So now even if the interest rate is relatively high, but as long as the bank can lend on time, still want to apply as soon as possible. After all, buying a house is a big plan for life, and I really don't want anything wrong. ”