The interest rate of second-hand housing and first-home loans rose 10%.
"I have asked a number of banks now and they all said that interest rates are floating. Don't mention the preferential interest rate, I just want to return to the benchmark interest rate on the day of lending. " Miss Zhu, who bought a second-hand house in Dongcheng, said that the current preferential mortgage interest rate has lowered expectations. Miss Zhu signed a house purchase contract with the seller in June165438+1October last year. However, due to the cumbersome transfer process of second-hand housing, the house has not been transferred to Miss Zhu's name, which means that the bank loan procedures have not yet been completed. "The problem of the program itself has been dragged on until now, which is not bad. After all, the interest rate at the end of last year was basically 10%. "
The manager of the intermediary company that Miss Zhu entrusted to buy a house said that the housing loan she applied for had been applied for at the end of last year. At present, the bank has only given the proof of agreeing to the loan, and the specific interest rate should be based on the day of lending. This also means that if you go through the formalities normally, you can lend money normally after the Lunar New Year, and the mortgage interest rate may still change. "Under normal circumstances, after the Spring Festival, the bank quota is more relaxed and the interest rate may be more relaxed." The business manager said.
According to relevant sources, since June 5438+ 10 this year, the quota of major banks has slightly improved. "Our company approved a lot of overstocked loans years ago." However, the loosening of loan interest rate is not obvious. The reporter found that at present, only the interest rate of the first home loan of China Construction Bank has been adjusted from 10% at the end of last year to 5% at present, while other banks including China Bank, Agricultural Bank, Industrial and Commercial Bank of China and Dongguan Bank still maintain a high interest rate of 10%. China Construction Bank has given the benchmark interest rate of loans above 6,543,800+0,000.
A loan business manager of Bank of China Hengli Sub-branch said that even if it rose by 10%, it did not stop the enthusiasm of buyers. "They still accepted the loan interest rate of 10%. During this period, our business did not increase or decrease significantly. "
First-hand housing loans generally rose by 5%
In terms of first-hand housing, it is more difficult for the market to see a 15% discount on mortgage interest rates, and it is also "non-mainstream" to achieve benchmark interest rates. For example, the benchmark interest rate of the first home loan given by the Postal Savings Bank to big brand developers such as Country Garden is 6.55%. But industry and commerce, China Construction Bank, Agricultural Bank, etc. At present, the benchmark interest rate of 5% is still maintained, that is, the annual loan interest rate of 6.87%.
For the loan interest rate of the second suite, the policy range given by most banks to cooperative brand developers is 10%, such as Vanke, Country Garden, etc., while other properties are raised to 15%. A number of bankers said that due to the backlog of a large number of mortgage customers at the end of last year, the newly opened quotas of banks are mainly "equal loan" customers at the end of last year. New applicants may continue to queue up this year, and there will be more places after the Spring Festival.
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