2010 year-end from the joint-stock banks to state-owned banks, the situation as uncollectible.
Stock Bank to cancel the interest rate concessions collective
first suite offers the cancellation of the loans interest rates first in China Everbright Bank (601,818, stock it) is confirmed, customer service, said in Beijing at the China Everbright Bank is now applying the first suite has fully implemented the benchmark interest rate loans, with no discount.
Similarly there
China Merchants Bank (600036, stock it) and Shanghai Pudong Development Bank (600000, stock it), two lines of most of the branch network has been notified to cancel mortgage interest rate concessions, only the individual can take high-quality customer 9 off to the lowest interest rate. Da Wang Road, Beijing China Merchants Bank branch credit department staff said that the current national regulation policy direction is clear, is the trend of tightening interest rate concessions, the current branch of the first suite of its being the highest credit interest rate can fall 15%, but from the application to the lender still needs about 2 weeks, then 8.5 discount rate is estimated to have stopped, they are able to obtain interest rate discount is unlikely.
Industrial Bank (601166, stock it) Beijing Haidian Branch of the Ministry of Finance staff said that the policy on the mortgage interest rate adjustment results to be known until years later, is estimated to be floating in the benchmark interest rate.
a state-owned banks account manager Zhang calculations, at present, more than 5-year lending rate is 6.4%, 8.5 to enjoy the discount if the real interest rate is 5.44%, before and after the spread was 1.04 percentage points, rather the central bank to raise interest rates in the most recent 0.26 percentage point to 4 times. That is the first suite to cancel preferential interest rates is equivalent to the pressure for lenders to raise interest rates four times.
as early as early November 2010, the original Academy of Social Sciences Institute of Finance, Yi Xianrong, director of financial development, says that in 2011 the bank will offer mortgage rates break back above the 9 level. Yi Xianrong financial weekly call again today, he said: 7 discount, the interest rate is 4.48%, and now 5-year bank deposit rate is 4.55%, there has been upside down, along with various types of operating costs, commercial banks continue to implement the 7 discount if it would be a serious loss, 8.5 fold there is no way a profit, so the first suite will offer to cancel the loan.
However, the abolition of preferential interest rates does not sit back and relax on behalf of banks. A joint-stock bank account manager told Money Weekly: The request, if mortgage interest rates lower than 9.5 fold, then the client manager will make some punishment, we are also in a state of dilemma.
paranoia: the four-line or follow-up
As these people said, the financial weekly phone call, agricultural, industrial, building four major banks, the banks said that the first suite offers credit interest rate of 8.5 discount still exists, has not yet received notice of cancellation discount. But with the 2010 caliber is very different from most of the client manager have said that abolition of preferential interest rates do have possibilities.
Agricultural Bank of China branch in Beijing
staff said that at present the first suite offers the highest interest rate loans was 8.5 fold, but can not apply to, the need to depend on the specific circumstances of the lender.
Bank Credit Department staff said:
ICBC Beijing North Third Ring Road Branch, Account Manager, said, did not receive notice of the abolition of concessions, it was the first home loan interest rate of 8.5 fold, but the policy is changing all the time, even if the present application, when the 8.5 loan discount also can not guarantee.
course, some banks are temporarily not adjusted signal. Construction Bank, Bank of Beijing (601169, stock it), Bank staff said that did not receive preferential notification of cancellation, the short term should not be canceled.
professional loan services,
a joint-stock bank account manager Mr. Zhang made this firm: interest rates, other banks should soon follow.
Centaline responsible person, in the past for the first time home buyers to give concessions in the context of the financial crisis, the interim measure, the real estate market is overheated, the Government has increased regulation and control. Banks not only conform to the trend, the government under pressure adjustments in the mortgage business can also increase the profitability of this one, so kill two birds with practice, and will definitely get more and more banks adopted.
be prepared: Bank lending increasingly cautious
bank loans at this interest rate increase the level of the first suite, there is an important reason. Loose early in previous years, at the end of the mortgage stress put different trends, from the beginning of this year, as reflected in a tight situation.
Minsheng Bank (600016, stock it) built outside the branch, said the credit department staff, Minsheng Bank line of credit shortages since late last year to now have not alleviated, can now accept the loan application, but approval is very difficult, the possibility of obtaining loans small. Merchants Bank staff also said that the amount of this year than in previous years are indeed a lot of tension, approval is also more stringent.
banks learned from the financial weekly, the plate this year, the overall credit will be reduced in 2010 compared with 10% -20%, personal line of credit will be reduced accordingly. Accordance with past practice, the bank lending limit is usually the year in accordance with the ratio of 3:3:2:2 ratio of each quarter, in the line of credit allocation, for each branch is a quarterly assessment. For example, the first month of a quarter of the amount of excessive loans, in February, March embrace by many deposits, loans and other ways to transfer 75% of the loan ratio requirements. However, beginning in 2011 payment of loan amount banks are basically controlled by way of monthly, weekly individual banks to set lending limit or even more than the amount, the bank will only accept the application without the loans.
This cautious attitude
banks, prompting the first half of the mortgage market in January trading volume declined. Beijing professional a credit institution
In such circumstances, to take
anonymity, said the staff of banking, bank, after all, is the way enterprises operate, the loan rate of return is important, the profits from their own perspective, tightening mortgage interest rates is a commercial activity . In addition, the fall of 15% of the first suite of loans apparently did not easily go up 30% or more of the personal business loans are attractive, many bank loan business focus adjustments are currently in the pipeline.
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