Two sets of mortgages tighten wind up and the rate will rise up to 10%

Wind: The second set of mortgage rates will be abolished in the near future, the benchmark rate of implementation can rise up to 10%.　　Details will have to wait until this week's official notice. An intermediary received the bank's latest verbal notice: Wind: The second set of mortgage rates will be canceled in the near future, the implementation of the benchmark interest rate floating up to 10%.　　Details of the implementation will be announced this week. Wen/Konghua, Lin early phase of a real estate in the Pearl River New Town, a 120 square meters of units yesterday, Ms. Zhang finally came to the real estate, but received an unexpected message: The original agent to help her calculation of the amount has been raised. Because the agency has just received the latest verbal notice at several lenders, the second mortgage rate will be lifted in the near future, with a benchmark interest rate rising up to 10%. "Details of the implementation will have to wait until this week's official announcement that the bank has already ventilated us and has not recently pledged to customers that two mortgages will enjoy a lower rate discount." "Buyers: The increase in interest rates for more than 1300 Yuan Ms. Zhang is the second loan to buy a house, if the loan of 1 million yuan, 20-year current rate calculation, the implementation of 70 percent interest rates and the increase of 10% interest rate, the latter than the former more than 1300 yuan, the total interest is nearly 320,000 yuan. "Originally the income of our family to calculate, deduct monthly only just enough to spend, but now monthly repayment suddenly more than 1000 yuan, the pressure is quite large."　　"The House to buy or not to buy, Ms. Zhang immediately into contradiction." In fact, the two sets of mortgage interest rate is not new bank rules.　　June 22 this year, the CBRC issued the "notice on further strengthening the risk management of mortgage loans", has stressed two sets of loans must be down to 40%, 1.1 times times the rate of lending standards, and reiterated that two sets of mortgage standards should not be arbitrarily relaxed.　　An intermediary who declined to be named told reporters that, following Beijing, Shanghai Bank said the loan application should be based on policy, with the Guangzhou side of the bank's full year of loan tasks completed, but also began to the market "to wider is to do." Bank: Whether the "one-size-fits-all" execution is undecided. Since the two housing loans are related to the improvement of houses, quality customers, whether the above customers in accordance with the "One-size-Fits-all" standard to carry out the floating rate? In this regard, the bank does not have a clear statement. declined to be named in the industry, said the loan limit to loosen some of the banks, tend to improve the housing implementation of the appropriate downward interest rate, a small number of quality customers may still enjoy the benchmark interest rate or a slight reduction, but this part of the client access threshold is very high, the card is very strict, the interest rate cut is very small, and the loan line has been very tight banks,　　is inclined to "one-size-Fits-all" standard raise two sets of mortgage rates to 1.1 times times. Intermediary: Do not be optimistic about the recent interest rate in a number of real estate interviews yesterday, agents have admitted that since August, the bank has gradually tightened two of loans, promising to give such customers a discount rate of loans to the banks less and fewer, replaced by most banks can only be based on the benchmark interest rate lending, And the customers who have access to concessional rates are also significantly less than they were before September.。　　When a client raises questions such as "two mortgages can get a couple of loans and interest rates float," most of the intermediaries will answer "apply to a loan bank". Some market participants believe that the rate hike is not expected to rise as the last time the property market giant LAN, one because of early psychological expectations, and more mainly after many interest rate cuts, the current national interest rates are relatively low, improve the 10% impact is not big.