Stock mortgage interest rate discount shrinkage supply risk increase

Concerned about the new deal analysis of the property market, BOC "individual dash" adjust preferential or just release the signal to warn the House mortgage contract is not clearly stipulated that "preferential margin adjustment", each line said "not good to move" Yangcheng Evening News reporter 刘薇 Intern Zheng "BOC first announced adjustment of the stock mortgage interest rate concessions" this news, It has become a focus of attention after the recent real estate policy. Although the Guangdong Bank has not implemented the new deal, other banks have not followed up, but many old home loans customers are very concerned about whether they will be "adjusted." Yesterday, the reporter to a number of banks to consult the "Mortgage contract provisions on preferential margin adjustment is how agreed" this issue, many bankers are "Mongolian check", which also makes the adjustment of preferential margin is likely to become a "vacuum" in the contract.　　In addition, the stock of mortgage interest rate concessions narrowed, some bankers think that does not rule out will increase the risk of break. The contract is less about "preferential margin adjustment" the change of the floating ratio of the mortgage and the adjustment of interest rate itself is not a concept, so whether the preferential margin of the bank to raise the interest rate of the mortgage is related to unilateral breach of contract.　　In this regard, BOC's explanation is: The contract with the customer has a two-year review period, the expiration can be adjusted according to the corresponding provisions. According to the reporter survey, BOC not all mortgage contracts have this agreement. Currently, the most commonly used in BOC is a "generic version" of the contract, under the contract, in addition to "the People's Bank of China to adjust interest rates or interest measures", banks have the right to adjust the lending rate.　　That is to say, there is no time limit on mortgage interest rates, unless the state issued a provision to cancel the discount, all banks must be implemented, BOC can cancel the concession. But the two new versions of BOC's contracts are embedded in the mortgage-rate concession period.　　If true, the most affected should be the BOC customers who signed the supplemental agreement early last year. The reporter also checked the construction Bank's mortgage contract, found that there is no "preferential margin" for special agreement.　　ICBC, the bank, the deep development and Societe Generale all said that the actual operation of the use of its headquarters in a unified form of the contract, the "preferential margin" adjustment how many bank account managers are not clear, but also the Customer manager said the contract did not make a clear agreement. According to the legal profession, any adjustment should be in accordance with the terms of the contract, if there is a definition of ambiguity in the contract, the parties need to be renewed, or any unilateral change of any party will be considered as a default.　　Some bankers believe that the bank's proposed regulation should be based on the study of the terms of the contract, the possibility of banks to take the initiative to break the law is less. Multi-line Stance "policy will not change I will not change" reporters looking at the housing adjustment policy in recent years found that the adjustment to the margin only 2008 years. At that time, the housing market downturn, in order to stimulate the home consumer countries issued a number of incentives, and the mortgage rate concessions from 15% to 30%, a large number of banks on the stock mortgage also carried out polling, as long as the relevant policies, no bad records areCan get 70 percent, the specific adjustment methods on some banks automatically adjusted in the system, and some banks and customers signed a supplementary agreement. "The signing of the supplementary Agreement to see the agreement on the floating ratio has no agreement, but the automatic adjustment how to solve it?" "A banker is also confused. "At that time, the state moved, the bank was moving, there is policy basis." Now the country has not moved, the bank is not easy to move.　　"A big bank home loan department head said, although BOC has been" out of the way ", but the most secure is the state first policy, otherwise the bank does not produce customer churn, the image of the impact is very large, but also offend a lot of quality customers, this is also the banks do not want to see.　　Reporters yesterday visited a number of banks in the city also found that most banks are more inclined to the country to introduce policies before making adjustments.　　Is the bank's move a "signal"?　　There are also bankers speculate, perhaps BOC this "one-man dash" has its policy implications. "may be the top of the bank as a pilot, to test the market response, but also to speculate speculation in a warning."　　"A joint-stock Bank mortgage department people said. However, regardless of the purpose of the policy, the move by BOC has made many people feel dissatisfied. Mr. Yao pointed out that if you are really in the bank to do the mortgage, unless the prepayment or one-time payment, otherwise the policy will have to reach out after the fall of the neck "kill", because like two suites, three suites transfer to other banks will also be executed Shang, transfer loans have no meaning. The interest rate on mortgage loans has narrowed, and some bankers believe that it will increase the risk of breaking out.