The bank's profit is increased after the stock room contract is signed

April 14, the State Council on some cities in the rapid rise in housing prices, proposed four measures.　　"Huaxia Times" reporter learned from a variety of channels, ICBC, CCB and BOC as an example, all branches issued to the national notice, the abolition of the first Suite mortgage interest rate of 70 percent discount. When the reporter calls its customer service as the first home loan applicant, the response is basically a down payment of 30%-40% people enjoy the highest interest rate of 75 percent, while the down payment of 20%-30% only enjoy the highest preferential rate of 85 percent.　　Then ICBC Zhongguancun Branch credit to reporters calculate a sum, to loan 550,000, the period of 30 years, for example, mortgage interest rate of 85 percent than 70 percent will pay bank interest nearly 200,000 yuan, the principal and the expiration of the total amount of 1.044 million yuan.　　Miserable only "quasi-house slaves", if the purchase of a house, bank loans were dismissed, do not buy, and will face the embarrassing situation of payment of liquidated damages, because the mortgage was refused to buy a house can only be a tiger. First suite interest rate 70 percent "one-size-fits-all" Some of the "mortgage slaves" that are currently in the process of housing loans are very concerned about the dilemma in the sensitive period of macro policy. Many "would-be mortgage slaves" worry, "because if you are asked to increase the down payment or interest rate according to the new rules, it is possible that due to insufficient payment the first lead to default or trading failure." "Take ICBC as an example, April 26, each branch received the notice of the headquarters, 26th before the bank to inform the buyer of the transfer and completed or have received bank loans of the above two types of loan applicants, continue to enjoy 70 percent of the preferential policy, and then under the new rules. ICBC Asian Games Village Branch loan officer explained: "If not transferred before signing all the interest rate of 70 percent of the contract will be regarded as invalid, the text can only be complied with." "As a result of the bank's new mortgage restriction policy, also let all over the corner of the second-hand house store overnight changed a" role ": the original busy selling the broker became a" breach of dispute ", the original busiest to help customers do mortgages and property rights procedures of the" warrants "department Now" empty ",　　And the original more leisurely complaints department and Legal Services department became the busiest department. Subsequently, the reporter joined the "loan problem" QQ Group, found that there are 24 members, 80% are due to the refusal of the mortgage and the seller and intermediary companies to create disputes between the buyers.　　These buyers have one thing in common, that is, the down payment is delivered in mid-April, but in the process of the loan in late April to the beginning of this month, the banks introduced restrictions on the new deal, resulting in their loans failed, resulting in disputes. "Mortgage interest rate adjustment is a policy factor, if I (buyer) want to break a promise, the loss of who should bear?" A Netizen's question causes the netizen attention. This is called "Purple Xiao People Xiao" Netizen has delivered the seller down payment and intermediary costs, and bank loans 70 percent of the interest rate is not down, there is no ability to increase its down payment.　　Once the breach will pay the seller double deposit compensation, and intermediary fees will have to go no return. This has a problem, netizens said "policy factors", that is, real estate macro policy adjustment in the endNot "force majeure"? Zhang Haiyang, a real estate legal advisor, explained that force majeure was an objective situation which could not be foreseen, unavoidable and insurmountable.　　The real estate regulation policy is not unpredictable and not insurmountable, because the policy only causes the change of payment method, does not cause the sale cannot complete. In fact, from the 2007 "9 27" mortgage policy to the end of 2008 bailout policy, and then to this year's "new Country 10", real estate credit policy changes are well-known facts.　　And in the "new Country 10" before the introduction of the two representatives, the main domestic media have been painful batch of high prices, and predicted the central government will hit the property market. Therefore, the recent property market New deal does not belong to force majeure, effectiveness can not be higher than the contract agreement.　　Buyers can break the check-out, its economic losses who to bear, the key to see how the contract is agreed. An intermediary company staff in the Huaxia times, said in an interview, if there is such an agreement in the house sale and purchase contract, "if the reasons for the bank and not the lender, resulting in loans can not be processed, then the two sides can terminate or cancel the contract." "At this time, the purchase of the first payment due to the increase in demand to terminate the contract, is reasonable, not a default."　　If there is no definite agreement in the contract, then the buyer defaults. Bank profits "were increased" after the banks announced the cancellation of the first suite rate of 70 percent discount, the bank of April 23 immediately announced that, according to the contract with the customer, in the interest rate adjustment expires, the stock of one, two or three and above the rate of floating mortgage rates adjusted to the benchmark rate of 0.85 times times respectively, 1.1 Times times and 1.2 times times.　　This is the bank in February after the first cancellation of mortgage 70 percent preferential rates after another initiative. In fact, to move the stock house loan interest rate depends on the contract, which is related to the adjustment of interest rate cut.　　According to the reporter understands, each bank mortgage contract to the interest rate adjustment way the stipulation is not identical, moreover 2009 the stock House loan interest rate cut when the choice method also has the difference. When China's CBRC launched the 70 percent mortgage rate in early 2009, the system automatically adjusts.　　ICBC because of "a large number of customers difficult to operate alone", the stock of customers to carry out the bulk of the interest rate downward, that is, 70 percent discount rate is automatically generated, not separate contract. The other is the way in which customers apply for and sign supplemental agreements, an example of which is the supplemental agreement of the Bank. In addition, according to the reporter understand, CCB also adopted the customer's own way of application.　　Specifically, for example, the BOC part of the agreement agreed to a two-year period, and some of the agreement only stated that the float 30%, but there is no agreed period. Industry insiders said that, from a legal point of view, the bank has the right to interpret the downward interest rate, if the practice is not "permanent", can be adjusted to maturity, the bank to raise interest rate concessions do not have the legal risk.　　However, if it is a separate contract, the statement 70 percent interest rate is a "permanent" clause, the bank can not arbitrarily change. But when the reporter calls CCB, ICBC, its related personage said,At present, there is no policy to adjust the credit rate of the stock house.　　And the operation of the stock of customers may restore the fat profits of bank mortgages. Wang Shihao, vice president of Shanghai Bank, had a lump sum account for the media: The commercial bank's long-term deposit cost is about 3%, the operating cost is about 1%, the business tax is 0.2%, and the three sums close to 70 percent mortgage interest rate of 4.158%. In addition, the costs incurred by the loss of bad debts and capital consumption are borne by the banks in vain.　　So far, the loss of bank interest caused by the stock of loans is about 70 billion. But the "this WTF" loan rate from 70 percent to 85 percent, Guotai report that if 40% of the stock room loan rate from 70 percent to 85 percent, then the mortgage interest rate will rise 89 basis to 5.05%.　　Estimates of two mortgages in the home are about 30% to 40%, so a rough estimate of the impact on bank profits is 1.5% to 3%. Industrial securities analysts are more optimistic that, because the bank one, two or three suites interest rate adjustment range and the proportion is different, so the unification according to average personal mortgage interest rate floating 15% calculation, to 2009 year end data as the benchmark, can increase the net interest margin of the listed bank 8 basis points.　　Taking BOC as an example, the net interest margin can be increased by 9 basis points, the total thickness of the listed bank net profit of 6.3%, BOC net profit can be thickened 7.14%. Analysts believe that in 2008 after the international financial crisis, the banking industry generally believed that the crisis lasted longer, long-term interest rates may continue to be depressed, so 2009 released 70 percent of billions of mortgages, the rapid economic rebound, inflation, the cost of capital all the way up, last year, the huge amount of home loans to become a big burden As a result, the cost can only be shifted by raising interest rates on the mortgage.