Construction Bank Raises Interest Rate On First Mortgage In Beijing

Reporters from the Beijing Construction Bank Loan Center learned that China Construction Bank has the first mortgage interest rate from the original benchmark interest rate to float 1.05 times the benchmark interest rate.

The reporter confirmed to the CCB Beijing branch that the reply was that the bank was based on the

The reporter consulted a number of outlets of China Construction Bank as a client, and the loan managers told reporters that the first mortgage interest rate went up to 1.05 times the benchmark interest rate.

If the borrower wishes to make loans as soon as possible, he needs to raise the floating interest rate voluntarily.

Bank

Complain about small loan demand

In addition to the increase in interest rates, the current banks are still relatively slow in issuing mortgage loans. Generally speaking, queuing customers need to wait for more than a month, and the approval is particularly slow.

A state-owned bank loan department staff complained to reporters: "this is really not that we do not want to loan, every month, then the amount of money, so many people, so there is no way to guarantee the loan time."

At the same time, the staff also advised reporters to go to small joint-stock banks to consult: "we have many outlets, many people's wage card is our line, so to our loan repayment is convenient, the number of people applying for loans.

I suggest that you ask those relatively small number of joint-stock banks, the number of applicants for loans is relatively small, the amount should not be as tight as we are.

Probe into

Wu Hao, planning manager of WIK, a professional lending agency in Beijing, believes that the closer the end of the year is, the tighter the bank lending quota will be.

Under such an urgent market environment, a small number of buyers are willing to satisfy the interest rate means to ensure their loans can be released smoothly.

The bank's compliance with this trend does not contradict the original intentions of the banks, which are put forward by the CBRC, according to the risk situation, reasonably determining the down payment ratio and loan interest rate.

In addition, considering the trend of the overall lending, appropriate fine adjustment of the interest rate of the first suite loan is also more in line with the market development needs.

Wu Hao pointed out that under the background of tight credit market, the light and simple market of the primary and secondary market also led to strict and strict demands on personal housing loans by banks.

At the regulatory level, banks have repeatedly warned the banks to be alert to the risks of the real estate market, and have tried to conduct a series of mortgage tests, reflecting the importance of banks in controlling the risk of loans.

This year from the commercial loan two suites to 60%, the loan interest rate to float 1.1 times, individual banks will first suite loan interest rate fine tuning is also understandable.

With the arrival of the end of the year, it is not ruled out that other commercial banks in Beijing will fine tune the loan interest rate of the first suite. "WIK Anjie" recommends that customers who want to buy a home loan this year, it is better to handle it as soon as possible.

Bankrate (net rate) net loan analysts believe that the cancellation of preferential interest rates is mainly due to insufficient bank loanable funds.

And mortgage loans, especially the first mortgage loans, have lower interest rates. Banks are more willing to lend money to projects with high loan interest rates, such as loans to small and medium enterprises, in the case of limited funds. The annual interest rate of their loans will float up to 30% or even more on the basis of the benchmark interest rate.