四大行出手!宁波首套房贷利率全线上调10%


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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.

xx刚刚从杭州湾新区国有银行网点申请贷款的陈女士告诉记者,“幸运的是,我的基准利率为5%!”银行告诉她只有银行的3万元理财产品或在银行中,超过2000元的贵金属交易手续费的“贡献”能够进入5%的“绿色通道”。

据记者了解,过去一周,宁波个别银行尚未完全关闭5%的利率门。除了严格考虑抵押人的个人信用外,只要抵押人有足够的“诚意”购买部分资金,理财产品等,只需1000元,1万多元,或申请信用证卡,第一张信用卡抵押贷款基准利率高5%,贷款仍然可用。

四条主线显然上涨了10%

然而,即使是这样的侧球也是最后一班车。

记者从农业银行个人贷款部门了解到,自9日起,首套住房贷款利率将正式上调至基准利率的10%。

国有大抵押贷款政策通常是一步一步的。记者随后从其他三家国有银行获悉,这些银行本周已发出通知提高首套住房贷款利率。

上个月,大多数股份制银行都提高了首套房贷款利率。随着国有银行的跟进,宁波首套住房贷款利率在基准利率上浮动了10%。

“在下半年,从总公司层面来看,抵押贷款的进度将得到控制。总的来说,在上半年,银行的个人贷款增长速度太快了,相当一部分资金流入房地产市场,而企业的贷款水平仍有一些缺点。预计在下一阶段,银行将进一步增加对实体经济的信贷资金支持,“国有企业表示根据中国人民银行的最新统计数据,截至今年5月,该市家庭贷款中长期贷款增速高于短期贷款。当然,有些人承认,由于配额紧张以及公众持续强劲的需求,不可能排除银行提高价格以获取更高利润。

至于抵押贷款利率是否会被提高的问题,是否会影响已经适用但尚未批准的贷款利率?据记者了解,各银行的运作情况不同。大多数银行表示抵押贷款利率是根据抵押贷款申请提交的时间计算的。换句话说,抵押贷款申请人已经提交给银行。即使在审批过程中提高利率,也不会影响既定的5%增长。利率。但是,一些银行已表示最终贷款利率应基于批准后的市场利率。因此,特别是客户需要详细咨询贷款审查银行。

(据中国宁波网,东南财经)