Some of the banks second-hand housing loans do not discount

Some of the banks second-hand housing loans do not discount the same is the first suite, new house loan rate 85 percent (reporter Ms. Li) First suite if the new house can also enjoy 85 percent interest rates, if the second-hand housing will have to carry out the benchmark interest rate.　　Recently, a handful of banks quietly raised second-hand housing loans interest rates, and short-term loans can not be put. A few days ago, Mr. Wang in the online fancy a set of three Gutian in the sale of second-hand housing, and sellers talk about a good 600,000 yuan purchase.　　Yesterday, Wang found a state-owned bank network to apply for a mortgage, when he learned that he intended to buy second-hand housing, the manager told him that even the first purchase, but also to carry out the benchmark rate, without any discount. Yesterday, the reporter as a home buyer to find the bank of the provincial branch department. A Mr. Yang surnamed a loan manager confirmed that the bank has just adjusted the mortgage policy, the first suite if the new house, the loan rate can also play 85 percent, if the second-hand housing, the minimum down payment or 30%, but the loan rate discount has been canceled, can only carry out the benchmark rate.　　He also told reporters that the current bank loan limit is very tight, the lender at least until the year after.　　Reporter then in the Construction Bank, Agricultural Bank, China Merchants Bank, Societe Generale and other bank lending departments to understand that most banks of second-hand housing and new house loans for the same rate, the first suite can be hit 85 percent, two suites need to float 10%, but also a few banks said that has stopped the issuance of second-hand housing loans, a loan business and new house developers only cooperation.　　Reporters calculate a sum, if the loan 500,000 yuan to buy second-hand housing 30 pay off, at 85 percent interest rates to be paid more than 515,000 yuan, the implementation of the benchmark interest rate of nearly 626,000 yuan, the difference is more than 110,000. "The loan is tight this year, and it is clear from the loan situation that there will be no growth like last year."　　"In the interview, a number of bank lenders admitted that this year, the overall credit has tightened, and the second is that the bank's emphasis on the mortgage business is weakened, and the higher value of a number of highly profitable individuals operating loans or personal consumption loans." A state-owned bank loan manager said that in the case of limited mortgage, the bank will first choose to cooperate with the new House developers, second-hand housing loans are relatively small, more complex to do, it is difficult to get the bank's favor. "Banks to raise second-hand housing loan interest rate, may be declined to second-hand housing loans customers."　　Reporters in Taipei Road, several real estate agents that if the first purchase, can still enjoy 85 percent interest rate, but the speed of the loan is slower, more than one months. A self-proclaimed and bank loan department familiar with the intermediary, said that some of the bank second-hand loan interest rate does not discount may be just a signal, this year, the amount of home loans to the tension, Wuhan City has introduced a new house limit purchase order, not excluding the Bank of the year to focus on the abolition of the first set of