129753592630937500_21This reporter has learned from State-controlled banks yesterday, industrial and commercial bank, agricultural Bank of China, Bank of China, China Construction Bank recently to explore differentiated mortgage policy, which referred to "effectively meet the household for the purchased commodity housing loan requirements, reasonable balance price, reasonable pricing in benchmark interest rates according to the principles of risk. "This means that four line suiteLoan interest rate will not be higher than the benchmark interest rate. Return of a number of banks have been benchmark interest rate in 2011 because of the cash-strapped and other reasons, some banks first perform benchmark interest rate home loan rates of 1.1 times or 1.05 times times, first suite of housing costs also increased substantially. But since the beginning of this year, with the increase in bank credit lines, subtle changes in the mortgage policy of banks. Last year 1CCB mortgage rates rising in the first suite of 0�� 5%, do the benchmark interest rate of 1.05 times. However, starting from the end of January, the line can perform a benchmark interest rate. 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, at present four lines of the first suite rates perform benchmark interest rates. Other joint-stock BankLine is based on a 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. Industrial and commercial bank, bank processing time 1Week or so. 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 member told reporters that over the second half of last year's situation is much better now, because no amount last year, try so hard to buy a House only increases lender, has now come to at least limit this factor was not as long as steady income, not too bigQuestions are very good, interest rate policy was followed by rows, is the implementation of policy in General lower bound. First Suite buyers to pay costs centaline property said research director Zhang Dawei, 2011 part of real living and housing needs, from 70 percent interest rate to the base rate or even to float, Suite buyers pay the cost of the first significant development, affecting the market demand. The first set ofHousing loan that was loose, so can we have real regulation brought prices down just need to enjoy the positive. 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
tera gold, increase effective supply of the common house. Property stocks react swiftly, real estate stocks yesterday as a shareLead plates. 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, 2011, Housing Minister said Jiang Weixin, next year to continue to insist on real estateControl task, strict implementation of the differential housing credit, tax policy, support reasonable housing needs of residents, give priority to ensuring the first time home buyer home loan demand. February 2012, 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 in support of common commercial housing construction, met for the first time home buyer home loan demand, followingReleased again after the Ministry of housing to 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. "Recently was watching Miss Shen said. Miss Shen worked 2 years are to be married, but the building did not buyKeep her anxious. Now the mortgage policy of banks, first set down payment 30%, interest rate benchmarks. 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
tera power leveling, but if you can play 90 percent, monthly payments are reduced to $ 7364.76, total interest is decreased by $ 100,385 for the 767$ 542. 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
tera power leveling, 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 pressure will be reduced accordingly.
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