129753592628437500_16SINA real estate (Edit-ling) learned from the State-owned bank, industrial and commercial bank, agricultural Bank of China, Bank of China, China Construction Bank recently to study differential mortgage policy, which referred to "effectively meet families buy ordinary goods demand for housing loans for the first time, reasonable balance of price, reasonable pricing in benchmark interest rates based on the principle of risk. "This means that, Beginning four sets of mortgage interest rates will not increase above the benchmark interest rate. A number of banks have returned to base rate after 2011 due to factors such as the cash-strapped, part of the first suite of Bank loan interest rates perform the benchmark interest rate of 1.1 times or 1.05 times times, greatly increase the cost of the purchase of the first suite. But since the beginning of this year, with the increase in bank credit lines, Bank mortgage policySubtle changes have taken place. Mortgage rates rising in October last year, the China Construction Bank will be the first Suite 5%, perform the benchmark interest rate of 1.05 times. But from the end of January, the Bank can then perform benchmark interest rates. Last year, another first suite of high interest rates of banks--Bank was downgraded to a benchmark interest rate from February 1. This reporter has learned, the current Executive first suite of four major lines of interest rate benchmarkInterest rates. Other joint-stock banks are based on the benchmark interest rate, in part because the credit standing of the applicant must be floating. Some other foreign banks can be 95 percent discount. Claim credits this year than last year, "much better" in addition to control of interest rates in the benchmark interest rate, four lines also clearly improve the efficiency of loan approval. It is understood that the Bank applying for mortgages for up to 2 weeks. WorkersRow, row processing time is about 1 week. In the last three or four quarters, due to the amount of tension, lenders need to queue for 1-2 months, before applying for a loan on. A bank staff told a press conference, now is much better than the second half of last year, because no amount last year, hurry only increases lender to buy a House, now at least this factor on the amount not, As long as the income stability, not much problem are very good, interest rate policy was followed by rows, is the implementation of policy in General lower bound. First Suite buyers pay cost reductions, centaline property said research director Zhang Dawei, 2011 House needs some real, from 70 percent interest rate benchmark interest rates and even some floating, start up Suite buyers pay costs are significantlyThe rising impact on home demand in the stock market. Lax lending policies in the first suite, so conducive to real need enjoy the prices downward positive regulation. It is understood that in addition to suite different credit policies, four clear support good qualification development companies have common commercial housing construction market demand, increase effective supply of the common house. Property stocks expressSpeed response, property stocks become a share yesterday, led by stocks. From the direction of view, real estate in Shanghai Stock Exchange index yesterday rose 3.73%, real estate in Shenzhen stock exchange index soared 4.22%. Background first suite of regulatory signals support since the end of last year, regulators in the first suite of credit policies are frequently on "differential". On December 23, 2011Jian said Jiang Weixin, Minister, next year will continue to uphold real estate adjustment and unwavering, strict implementation of the differential housing credits
everquest 2 power leveling, tax policy, support the reasonable housing needs of residents, give priority to ensuring first time home buyers home loan demand. February 2012
eq2 power leveling, the Central Bank in its official website published news that, in terms of mortgages, the Bank will continue to implement the differential housing credit policies support the GeneralCommercial housing construction
eq2 power leveling, met for the first time home buyer home loan demand, following the Housing Department again after the release of meet the first mortgage demand signal, this will enable the market to let go of expectations of further increases in interest rates in the first suite. Calculated in millions of mortgage servicing 100,000 less 90 percent "if we can discount that will save a large amount of money, our pressure can reduce many of the purchase. "Recent isMiss Shen said. 2 Miss Shen intends to get married, but didn't buy the House has made her anxious. Now the mortgage policy of banks, first set down 30%, interest rate benchmark. Loan 1,000,020 years to pay off, for example, if you are running an interest rate, monthly payment to $ 7,783, total interest $ 867,927, but if you can play 90 percent, monthly payments are reduced$ 7364.76, total interest is $ 100,385 to $ reduction. Miss Shen said, although this cannot, and 70 percent discount on condition of interest rate than a few years ago, but just needs a family, discounted mortgage rates, compared to 1.1 times 1.05 times and times of interest rates before, both monthly and in the general interest, repayment pressureShould be reduced. 20 1 million loan repayment interest rate monthly data (Yuan) total interest ($) reporters Su Manli
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