The lowest interest rate of the first home loan can be 30% off, which is actually very harsh.
A few days ago, the central bank issued an urgent document to commercial banks, requiring them to limit the floating range of individual housing loan interest rate to 0.7 times the benchmark interest rate. At present, the interest rate of the first home loan of the four major commercial banks in Guangzhou is only 8.5%, but some small and medium-sized banks have taken the lead in offering a 30% discount.
Want a 30% interest rate is actually very demanding.
It is understood that the "extremely urgent" document issued by the central bank to commercial banks on the day of interest rate cut is "Yinfa [20 12] 142". The central bank said, "In the floating range of the loan interest rate of mortgage financial institutions, the lower limit of the loan interest rate is expanded from 0.9 times to 0.8 times of the benchmark interest rate, and the lower limit of the floating range of the personal loan interest rate is still 0.7 times of the benchmark interest rate."
The reporter learned that at present, there has been a 30% discount on the first home loan interest rate in the market, and banks headquartered in Dongguan can get a 30% discount on the first home loan. The staff of the loan department of Tianhe Sub-branch of the bank said: First of all, look at the area where you buy a house, and you must choose the urban area to buy a house. Secondly, there must be financial points in its banks. The handling of financial points requires customers to have certain financial products in the bank, such as wealth management products and large deposits.
30% interest rate "looks beautiful", can it all be realized? Joint-stock banks said they were waiting to see. "Banks are small in scale, and the impact on the market will not be too great. Whether to increase the discount may depend on the big banks. " A staff member of a joint-stock commercial bank told reporters.
The first loans of the four major state-owned banks in Guangzhou are at least 15% off.
At present, the interest rate of the first home loan of the four major state-owned banks in Guangzhou can only reach a minimum of 8.5 fold. Ms. Zeng, the senior business monitoring director of Guangzhou Yida Mortgage Company, told the reporter that among the four major banks, only the Agricultural Bank of China can get a 15% discount on the first home loan, and the Bank of China can get a 10% discount. CCB and ICBC maintain the benchmark interest rate. In addition, some small and medium-sized banks in Guangzhou do not have a 30% discount in the second case, and the lowest discount is only 8.5%. Those who can enjoy this discount have stricter requirements for customers, including bank consumption records and room age.
Deng Haozhi, chief analyst of Fiona Fang Real Estate, pointed out that last week's interest rate cut sent a signal that loose monetary policy will be fully implemented again, and preferential measures for real estate loan interest rates will definitely be announced in various banks one after another. Previously, the 15% discount on the first home loan has returned to the rivers and lakes. It is not surprising that individual banks now give some "big customers" a 30% discount, which is also an inevitable move for banks to compete for superior customers under loose monetary policy.
In addition, from the standpoint of local and central governments supporting the demand for first-time home buyers, it is not excluded to give more support to bank credit policies or local policies in the future, especially small and medium-sized banks.
Not every bank is willing to make interest rate discounts.
"Whether interest rates continue to fall depends mainly on the banks' own business strategies. From the perspective of our bank, it is unlikely in the short term. " The head of the real estate finance department of a state-owned bank in Shanghai said that the deposit interest rate rose and the bank spread narrowed. If the mortgage interest rate continues to fall, this year's profit situation will be very pessimistic. "For banks, if the next step is to gain market share, they may continue to cut mortgage interest rates. Moreover, we have to consider the profit this year, so it is more important for us to ensure the profit, so it will not be lowered. " This person pointed out.
However, for banks, protecting profits or market share is a "fish and bear's paw" problem. At present, many other small and medium-sized banks in Shanghai have sufficient credit lines, but most of them have not achieved the expected goals in the mortgage market. Therefore, for most small and medium-sized banks, developing market share is still a top priority.
"At present, the policy has just come out, and all banks are evaluating it internally. We are also watching. If other banks cut down, we may follow up. " The person in charge of a joint-stock bank Shanghai branch said. According to shanghai securities news.
Shanghai: Continue to explore from 15% discount.
According to shanghai securities news, the preferential interest rate of Shanghai's first home loan is expected to further expand, and the current 15% discount will continue to decline, and the 20% discount is expected to reappear.
"We heard that the bank is adjusting. It is said that some banks can get a 20% discount on the interest rate of the first home loan, and some banks can even get a 7.5% discount, but we have not received the official notice. " The account manager of an intermediary company in Shanghai told the reporter.
"We feel that it is entirely possible to get a 20% discount on the first suite interest rate in the next step." A person in charge of the financial department of a state-owned bank told reporters. The source believes that the mortgage interest rate depends on two markets, one is a big market and the other is a small market. The so-called big market refers to the overall situation of the macro economy. The macroeconomic situation is good, the credit demand is strong, and the bank interest rate is mostly floating, so the mortgage interest rate discount is low. At present, the macroeconomic situation is not optimistic, the effective demand for credit is insufficient, the bank spread is narrowing, and the mortgage interest rate will also go down. Small market refers to the situation of the real estate market, and the volume of housing transactions will also affect the mortgage interest rate. At present, the real estate market is subject to control measures such as the purchase restriction policy, and the housing transaction volume has fallen sharply. In order to maintain market share, it is possible for banks to lower the mortgage interest rate.
"From the current situation, the interest rate has been marketized, and it is entirely possible to have a 20% discount or even lower interest rate." The above-mentioned person said. After the interest rate is marketized, banks will calculate the cost more accurately and price the loan according to the cost. If a customer has good qualifications and the bank thinks it can benefit from this customer, it may give a lower discount. Different from before, after the marketization of interest rates, the mortgage interest rate will not be "one size fits all" as before, but will be more diversified, with 30%, 20% and 10% discount possible. Banks can give customers different interest rate concessions on the premise of meeting regulatory requirements.
Beijing: A 15% discount will be more common.
According to Xinhua News Agency
At present, the bank has not made a 20% discount, but customers have a greater chance of getting preferential discounts. "In the middle of last month, a 10% discount was difficult, and a 15% discount was extremely rare, but now the number of customers who got a 15% discount has increased significantly." A staff member of a state-owned bank told reporters.
Li Chen, manager of the market research department of my real estate agency, said that the company's data showed that the number of buyers who got a 15% discount mortgage loan did increase. "Banks generally adjust the interest rate discount of the first suite according to business and market conditions, mainly for the purpose of encouraging consumer loans and stimulating the economy. A 15% discount should become more and more common in the future. "
In recent years, banks have taken personal credit as a key area of strategic expansion. However, in practice, due to the strong demand for corporate credit and the large bargaining space of banks, banks prefer corporate loans with high comprehensive yield under the condition of limited credit resources.
"But this year's situation is quite special. Under the premise that corporate loan risks are unpredictable, banks with abundant credit funds now pay more attention to personal credit business. " Guo Tianyong (Weibo), director of the China Banking Research Center of the Central University of Finance and Economics, believes that "but whether the preferential margin will be expanded to 20% depends on the transaction volume in the next few months, the market situation and whether other banks will discount."
Consumer: Will it push up house prices?
"I heard that the bank mortgage interest rate discount will increase. In recent days, buyers have been very enthusiastic, and the number of people consulting the house has increased significantly. " Li Chen, manager of the market research department, said, "I love my real estate agent.
The reporter learned from the four major banks of industry, agriculture, China and construction yesterday that the credit policies of the head offices of the four major banks for personal housing loans have not changed at present, but local branches have strengthened their flexibility in actual operation and loosened their discounts.
"The bank will increase the mortgage discount, will it push up the house price again?" Ms. Cui, who is preparing to buy a house, asked the reporter anxiously.
Experts believe that in the past two years, the interest rates and discounts of commercial banks on the first home loan have been changing. Since the 30% discount interest rate disappeared, the interest rate of the first home loan has been rising all the way from the beginning of 20 10, and once rose by 10% to 40% last year, and then reappeared with 10% discount and 8.5% discount interest rates. However, from the previous changes, the interest rate and preferential adjustment of bank mortgage policy did not significantly affect the trend of housing prices.
"The change in the interest rate of the first suite is not directly related to the rise and fall of house prices. Buyers are more concerned about real estate expectations and regulatory policies. " Zhao Qingming, a financial expert, said. Xinhua News Agency
The approval of the second home loan will be smoother.
However, the interest rate is not favorable, and the floating interest rate is still 1. 1 times.
Information Times (Reporter Rosalyn)
A few days ago, the China Banking Regulatory Commission officially issued the Measures for Capital Management of Commercial Banks (Trial), which took effect on 20 13 1. It is worth noting that the Capital Management Measures for Commercial Banks (Trial) reduces the risk weight of the second home loan to 50%, which is the same as the risk weight of the first home loan.
Guo Tianyong, director of the China Banking Research Center of the Central University of Finance and Economics, believes that the risk weights of the first suite and the second suite are "equal" at present, which is an adjustment made by banks from the perspective of encouraging consumer loans. Banks have reduced the risk weight of second-home loans, which means that the operation of second-home loan approval may be smoother than before.
However, he also stressed that under the current macro-control, the government's control over second-home buyers has not decreased. At present, the bank's policy on the second home loan has not changed, and the benchmark interest rate is still 1. 1 times. The down payment ratio is 60%, and there is not much room for interest rate concessions.