Ningbo Sanjiangkou (data map)
A week ago, the news about "the first suite interest rate will be raised in July" broke the circle of friends. In the blink of an eye, a week has passed in July, how much has the mortgage market changed?
Recently, the reporter learned from a number of banks and intermediaries that ICBC, Agricultural Bank of China, Bank of China, and China Construction Bank have issued notices to clearly increase the first home loan interest rate by 10% from the benchmark interest rate. In the last month, most joint-stock banks have raised their first home loan interest rates. This means that Ningbo's first home loan interest rate is adjusted across the board.
The intermediary reflects "upgrade as scheduled"
The reporter visited several sales centers and several real estate agents in Yucheng. Yinzhou District, a high-end real estate sales manager told reporters, "This month, several banks we have cooperated have raised the first suite interest rate, the benchmark interest rate of 1.05 times the interest rate has not been able to do."
The person in charge of a large real estate agency also bluntly said, "The interest rate of the first home loan of each bank in the jurisdiction has indeed been raised as scheduled. Even the major state-owned banks that claim to have a relatively large amount of quotas have raised interest rate prices." p>
Fortunately, although the first-home loan interest rate has been raised, the progress of lending by banks has generally not changed significantly. It is said that “in general, a loan can be completed in one month or so from the application to the loan. Individual banks are more efficient, and there are also loans available in more than 20 days.”
Individual outlets need to tying products
In the interview, the reporter found that at the beginning of the month, the outlets of individual banks were still playing the ball in the process of lending, tying bank wealth management products.