The lowest interest rate on first mortgage may be raised to 85 percent

Recently, CCTV reporter learned that, according to oral notice, commercial banks to buy the first set of housing mortgage minimum standards will be changed: down payment minimum 30%, interest rate is the same as the benchmark interest rate of 15%, that is, the first set of home loans preferential rate of 85 percent implementation. Yesterday, the CCTV "economic Information broadcast" broadcast "first set of mortgage minimum interest rate or up to 85 percent" program, this has been a more detailed report. reported that in the two days, the cancellation of Beijing and Shanghai on the first set of housing loan interest rate of 70 percent of the news aroused great concern of many people, CCTV reporter subsequently learned that, according to oral notice, commercial banks to buy the first set of housing loans to implement the minimum standard will be: the minimum down payment 30%, interest rate is the same as the benchmark rate of 15% downward,　　That is, the first set of mortgage rates at the lowest rate of 85 percent per cent, two housing for the lowest 50%, the rate of implementation of the benchmark rate of 1.1 times times, prohibit the third and above housing loans. However, for the housing loan policy, commercial banks are still in accordance with the previous and customer contract terms of implementation. The program group also calculate a sum of account: 30-year 1 million mortgage loans, the benchmark rate of 6.14%, from 70 percent adjusted to 85 percent, the month to pay more than 555.31 yuan, more than 6663.72 yuan a year.　　But CCTV reporters said the banks have not yet received the relevant official documents.　　CCTV reporter then called China Construction Bank customer service telephone, customer service personnel said, now has not received the relevant documents, but the first suite down payment ratio of 30% to 40%, the loan rate must not be lower than the benchmark rate of 0.75 times times, down payment ratio of more than 40%, the loan rate must not be less than 0.7 times times the　　ICBC customer service Telephone said that if the customer first payment ratio of 30% or more, the loan rate is generally not lower than the benchmark rate of 0.8 times times, if the bank believes that the risk of customer loans is low, will be appropriate downward, but the minimum is not less than 0.75 times times the benchmark rate.　　The Beijing News Most banks in the first half of the city have played 85 percent of the current rumors of the "first set of mortgage rates may be raised to 85 percent", most of the city's banks have tightened their first mortgage-rate concessions in the first half of the year, with a 85 percent per cent discount on their first homes, according to several bankers. "It's just that our banks have tightened their mortgage rates, and the authorities have not halted the 70 percent interest rate concession," he said.　　"We welcome the policy of the authorities to impose a maximum rate of 85 percent per cent on the first mortgage, so that we can also reduce peer pressure," the banker said. Reporter Zhang Bin trainee reporter Qianyu