2014-08-24

China's Big Four Bank's Deny Mortgage Easing

From QQ Finance:

中工建农四大行均否认发房贷优惠通知
Jinghua Times (reporter Gao Chen) yesterday, media reports said, has issued a notice under certain accusing him of various branches and regions to Shanghai Branch Office, to meet the requirements of the first suite loan lowest rate available to the benchmark rate to fall 6%. This reporter to the Bank of China, ICBC, China Construction Bank, Agricultural Bank of China Shanghai Branch of confirmation, the four row represents mortgage policy did not change.

Some media said that according to a "housing loan products on the adjustment policies of the notice", for customers to buy the first set of housing loan amount of 200 million (or more), in principle, lower than the benchmark lending rate to fall 6% interest rate; loan amount at 700,000 yuan (inclusive) to 200 million yuan, in principle, loan interest rate is lower than the benchmark interest rate to float downward 3%; loan amount of 70 million or less, in principle, loan interest rate is lower than the benchmark interest rate (Chongming, Jinshan, Fengxian Branch area businesses below $ 500,000 loan amount can be executed). If this is true, would mean that the first mortgage-tier cities to open full concessions. Because the current first-tier cities, mortgage interest rates are conditional offer, not all buyers against.

Reporters interviewed yesterday, Bank of China, ICBC, China Construction Bank, Agricultural Bank of China Shanghai Branch of the four lines, which have indicated that the first mortgage interest rate policy has not changed temporarily, such notice is not issued by the bank.

Wei Jia Anjie planning manager bong that, despite the first-tier cities suite rates and no significant relaxation, but some banks for the purchase of certain groups or% discount can be given in terms of interest rates. In part, through an intermediary, such as buyers who apply for a loan, be able to enjoy a discount on interest rates. The other part is for higher income, job stability or no bad credit records and other personal qualities good buyers, but also to give discounts on the purchase of the interest rate, thereby reducing the cost of loans to home buyers.

While the first-tier cities temporarily not fully relax lending policies, but Bohai Strategic Development Bank researcher Xu Liang pointed out that under the pressure of maintaining growth, the national policy to further stimulate the real estate may follow up. Domestic banks eased on personal loans, will be a major trend. Because on the one hand, the real estate downturn, has caused worry central decision-making departments, followed by state-sponsored real estate policies may follow up; on the other hand, the real estate industry for many local governments are meant to support the real economy, local governments will scramble to take measures to prevent housing prices continued to fall.

Here's the type of story they are responding to: 某大行上海地区首套房贷利率跌至94折
"First Financial Daily" recently learned from the sources, there have been some big firms in Shanghai issued a notice to all branches and Branch Office, to meet the requirements of the first suite loan lowest rate available to the benchmark rate to fall 6%.

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