"In loans limited case, if the mortgage rates remain low, would rather not do the business", a listed joint-stock commercial bank officials say, at present, the bank loan supply nervous bargaining with larger space, compared with the prices of enterprise loan interest rates sharply, mortgage the traditional advantage of business profit contribution to drop, mortgage rates up-floating already is an inevitable trend.
Feb. 9, the people's bank began to raise financial organ renminbi benchmark interest rates. Industrial bank chief economist lu commissar had forecast, and this year will be normal rates or the financial control measures. In this case, there are currently perform the first suite benchmarkofficials said, do not exclude the possibility of mortgage loans to move up.
The person that buy a house burden has soared
For the person that buy a house, it was first suite loan interest rate hikes preferential cancelled and double "double-team" that buy a house, the costs have risen sharply. Last April epicycle mortgage control policy conceptually before, the person that buy a house can also generally enjoy to the first seven discount suite lending rates, according to the five-year mortgage rates at more than 5.94% calculations, the housing mortgage interest rates for 4.158%. 2010 since October, the people's bank has three consecutive mortgage rates, current five-year above the benchmark interest rate has risen to 6.6%, if the first suite at present the highest 1.1x interest rate that is the person that buy a house loan interest rates have been up to 7.26%, less than a year cost rises about 75%.
Not only is the commercial housing loan of individual housing accumulation fund loan rate, also have been raised. Among them, the five-year above personal housing accumulation fund loan interest rates by 0.2 percentage points, by 4.3 per cent rise to 4.5%, Five-year below (including 5 years) personal housing accumulation fund loan interest rates by a quarter of a percentage point, by 3.75% rise to 4%. For commercial housing loan is concerned, if the loan amount of 100 million, the loan of 20 years, and choose reimbursement way of calculating the initial suite in regulation, the person that buy a house for the month burden for 6143.38 yuan, interest charges totaling about 47.4 million yuan; If the benchmark interest rate, then the 1.1x calculation rates after the month for the burden for 7909.82 yuan, interest 89.8 million yuan, total expenditures as high as total population-without much million. While in Beijing, Shanghai, shenzhen, guangzhou and other first-tier cities, for the person that buy a house for loan of 100 million is prevalent phenomenon.
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