Hebei First Set Of Mortgage Interest Rates Go Up 10% -30%

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Hebei first set of mortgage interest rates go up 10% -30%

All the way to tighten credit, market expectations for the third quarter may relax credit policy has not come, but coming from the central bank will guarantee bank deposits in reserve tight collection of information. In this case, the bank's mortgage business in our province is further tightening, not only to stop three mortgage loans, two sets of mortgage interest rates go up 5 percent down payment, and even the first set of mortgage interest rates currently existing preferential policies are fully canceled, and even the benchmark interest rate is very difficult to find, reporters found, is currently the province of banks for the first set of mortgage interest rates go up the implementation of the basic interest rate of 10% -30% level, this rigid demand for home buyers is undoubtedly a serious "friendly fire."

7 Bank loans interest rates go up the first suite of 5% -30%

Reporters yesterday (September 6) and the banks mortgage department to contact, interview, found that for the first suites of the benchmark interest rate bank loans perform very little, ...
... at present only Merchants Bank (11.83,0.23,1.98%), Everbright Bank (3.07,0.04,1.32%), Industrial Bank (13.29,0.30,2.31%) loans in the first suite on the implementation of the first Fusan Cheng, the mortgage interest rate policy; some of the bank's benchmark interest rate is subject to conditions, China's agriculture Bank (2.58,0.02,0.78%), Hebei banks for purchase of 90 square meters of housing units in the first implementation of the customer first Fusan Cheng, mortgage interest rate policy.

In addition, other bank loans are carried out on the first suite of different floating policy floating or three percent down payment on the basis of the improved. According to the survey, China Construction Bank (4.54,0.04,0.89%), Bank (4.70,0.06,1.29%), China Industrial and Commercial Bank (4.12,0.05,1.23%), Shanghai Pudong Development Bank (9.29,0.18,1.98%) continue to enforce First Suite 3 percent down payment, but the base rate by 10% -20%; Bank of China (2.95,0.03,1.03%), Minsheng Bank (6.00,0.18,3.09%), CITIC Bank (4.64,0.15,3.34%) will be down to three Zhisi Cheng, interest rates go up 5% -30%; Huaxia Bank (10.69,0.30,2.89%), although the implementation of the benchmark interest rate, but the down payment to 40%; postal savings banks to suspend new home loan business altogether.

The survey found that all banks currently Shijiazhuang first home loan interest rates have been canceled policies. Bank mortgage was mainly due to a general tightening of credit constraints. Most banks have said that the current tight credit, are more stringent review. As for loans for the time, many banks said "processing time may take longer, require such notice." The reporter interviewed a number of customers found that the longest waiting time of customers, in June signed a loan contract with the bank, to still not get the loan.

Perform a 10-year mortgage rates by 50 million in loans to new and 1.3 times the benchmark interest rate differential 160,000 yuan

It is understood that in the last round of rate hike cycle, December 21, 2007 after raising interest rates, five-year lending rate to 7.83%, while the rate hike after the five-year lending rate to 7.05%. If the nominal interest rate point of view, it is probably ten years the current interest rate is not high. However, the calculations performed on the part of the discount difference in the actual implementation is up to the.

Can be found by calculating, in 2007, when most of the bank's mortgage interest rates can run a 15% discount, meaning that the interest rate was 6.66%, while mortgage rates are now not only can not be discounted, and many banks with 1.1 times the floating interest rate, so doing the interest rate reached 7.76%, can be said to record the actual implementation of a new high. Moreover, there have been the market go up 30% of the first suite.

So, the benchmark interest rate and floating in between, there is little difference in the end? How many buyers will increase the burden?

50 million 20-year commercial loans, for example, if the current benchmark interest rate 7.05% and repayment of principal and interest calculations for the equal, then the loan principal and interest totaling 933,963.65 yuan, of which the interest of 433,963.65 yuan. If the implementation of the base rate of 10%, other things being equal, the total loan principal and interest become 985,138.28 yuan, of which interest is 485,138.28 yuan, a difference of 51174.63 yuan interest; and if the current market interest rate loans first suite on the top 30 floating % calculation, then the total principal and interest become 1,092,437.97 yuan, interest expense of 592,437.97 yuan, compared with the benchmark interest rate, If you do go up 30%, the more interest also reached 158,474.32 yuan. On this basis, the cost of interest on loans of light reached 1.18 times the principal amount, which for working-class, is clearly unacceptable.By the supermodel Anna Vialli Cina and Canada's chief male model Bray (Gabriel Aubry) the common interpretation of the photographer Nino Munoz Zhang Jing "true faith" true religion 2011 Fall large ad, shot in California,USA Saddleback Ranch, perfect to show the true religion jeans outspoken casual style.Russian beauty and super sportsman in the pasture with the interpretation of the American cowboy style, to the faithful think they call it of true religion outlet?Together to enjoy yourself!