Public housing loan interest rate discount may shrink

The central bank raised the reserve ratio of six big banks, compressed the scale of credit yesterday, the head of a local bank personal housing said the central bank raised some bank reserve requirements in the four quarter, the public in the recent mortgage purchase may be affected.　　In the morning of 11th, the Central bank informed ICBC, ABC, BOC, CCB four state-owned commercial banks and China Merchants Bank, Minsheng Bank two joint-stock commercial banks, will increase the 6 bank reserve requirement ratio 50 basis points.　　The head of a local bank's personal housing ministry said that some banks would have been in the four quarter due to liquidity tension and actively shrink the scale of credit, now the central bank to raise the reserve ratio, the credit for the issuance of personal loans will certainly be further reduced. How will it affect the individual to do the mortgage? The owner of the analysis: on the one hand, under the same loan conditions, The former citizen's first suite may enjoy a 85 percent interest rate discount, can even enjoy a 80 percent interest rate discount, there may be only 90 percent interest rate concessions in the future; On the other hand, after the banks tightened the individual mortgage interest rate concessions, the impact of further liquidity tightening, personal mortgage interest rate concessions at the beginning of the end of the year again the possibility of easing, which is tantamount to promoting　　The banks are also "regulating" the housing market from lending rates.　　The rest of the city's banks, which have been hit by the reserve requirement ratio, also said it would be more difficult for mortgage buyers to get more loans because of further reductions in funds used to make loans after the central bank raised reserve requirements. "In our mortgage-first suite, we still have a 85 percent discount on loan rates," he said. "A property at Jiangbei District North Bin Lu said that although the bank that cooperated with them had been raised the reserve requirement ratio, there was no notice of the bank tightening the rate of personal mortgage interest rates." Reporter Zhang Bin