Shanghai January mortgage incremental innovation high six bank first interest rate as low as 15% off-zznba

Bank personal financial department official in Shanghai in January six bank first mortgage incremental innovation low interest rates to 15% off in Shanghai the first month highs of 6 incremental loans banks first set interest rates as low as 15% off. A personal business has revealed that this year the individual housing loan index than the 2015 increase of about 30%. The annual growth index of another large city commercial bank is 30%. "Mainly because the benchmark interest rate is declining, the impact on individual housing loans is still relatively large, the single profit is decreasing, so to do large-scale.". And compared to public loans, the risk is still small." The personage expresses. Newspaper reporter Yang Xiaoyan Shanghai reported that the Shanghai property market hot degree, from the Bank of individual housing loan can also get a glimpse. According to the central bank Shanghai headquarters data statistics, in January, Shanghai new housing loans 34 billion 630 million yuan, breaking the record of 21 billion 890 million yuan increments in September last year, a record of nearly three years high. A number of retail banking departments to the twenty-first Century economic report reporter said that in 2016 the individual housing loans is the focus of credit investment, the annual indicators have increased substantially. Throughout the market, the first suite of loan interest rate concessions, generally in the benchmark interest rate of 8.5-8.8 fold, the size of the row competition is equally fierce. "With the rise in housing prices, now a lot of loans in more than 5 million yuan, housing prices so rising is really scary." Shares of bank branches said frankly. A number of banks first mortgage interest rates lowest in twenty-first Century 15% off Economic Herald reporter consulted the Shanghai area first home loan interest rates, found that the current market overall lending rates have come down, the lowest price for the benchmark interest rate of 15% off, including the qualification of commercial loan amount, whether does the cooperation with the Bank of real estate, real estate intermediary specified through cooperation. The more popular discounts are 14% off and 12% off. Agricultural Bank of Shanghai branch of a personal customer manager said that the amount of commercial loans to 1 million 800 thousand yuan as the boundary, more than 1 million 800 thousand of the interest rate discount can be as low as 15% off; below 1 million 800 thousand, the discount is 14% off. There are also sub branches to limit the amount of money to 2 million yuan. If the first suite of second-hand housing, must be within 20 years of age. The policy of the Bank of Shanghai and the industrial and Commercial Bank of China is similar to ABC, commercial loans 2 million yuan, the lowest discount rate of 15% off, second-hand housing requirements within 20 years of age. In contrast, China Merchants Bank and Everbright Bank Discount strength is smaller. China Merchants Bank Shanghai branch of a client manager told the twenty-first Century economic report reporter, commercial loans between 1 million yuan -200 million, interest rates for 13% off, 2 million yuan to 4 million yuan, interest rates 14% off, 4 million yuan -1000 million discount 15% off. According to the client manager, if the second-hand housing business loan, plus the total number of not more than 40 years of age, and the age of the provident fund loans total no more than 35 years of age. That is to say, if the age of 10 years, commercial loans for a maximum period of 30 years, the provident fund loans for a maximum period of 25 years. "15% off discount" or "we have adjusted", the original is on the theory

上海1月房贷增量创新高 六银行首套利率低至8.5折   上海首月房贷增量创新高 6家银行首套利率低至8.5折   导读   某以个人业务见长的银行个人金融部相关人士透露,今年个人住房贷款指标比2015年增长约30%。另一家大型城商行的年增长指标也为30%。“主要是因为基准利率在下降,对个人住房贷款的影响还是比较大的,单笔利润在降低,所以要做大规模。而且比起对公贷款,风险还是小的。”该人士表示。   本报记者 杨晓宴 上海报道   上海楼市的火爆程度,从银行个人住房贷款也可窥见一斑。   根据央行上海总部的数据统计,1月份上海地区新增个人住房贷款346.3亿元,打破去年9月218.9亿元增量的纪录,创下近三年新高。多家银行零售部人士向21世纪经济报道记者表示,2016年个人住房贷款是重点信贷投向,年度指标均有较大幅度增长。   纵观市场上首套房贷款利率优惠,普遍在基准利率8.5-8.8折,大小行竞争同样激烈。“随着房价上涨,现在很多贷款在500万元以上,房价这么涨确实挺吓人的。”有股份制银行支行人士坦言。   首套房贷利率最低8.5折   21世纪经济报道记者咨询上海地区多家银行首套房贷款利率,发现目前市场整体贷款利率有所下调,最低折扣为基准利率的8.5折,限定条件包括商业贷款金额,是否为与银行合作的楼盘、是否通过合作指定房产中介等。较为普遍的优惠还有8.6折和8.8折。   农业银行上海某支行个人客户经理表示,商业贷款金额以180万元为界,超过180万的,利率折扣可低至8.5折;180万以下的,折扣为8.6折。也有支行把金额界限定在200万元。首套房若是二手房,房龄必须在20年以内。   上海银行和工商银行的政策与农行相近,商贷200万元以上,最低利率折扣8.5折,二手房房龄要求20年以内。   相对而言,招商银行和光大银行的折扣力度更小。   招商银行上海某支行房贷客户经理告诉21世纪经济报道记者,商贷在100万元-200万元之间的,利率优惠为8.7折,200万元到400万元的,利率优惠8.6折,400万元-1000万元的优惠8.5折。   据该客户经理介绍,如果是二手房,商贷加房龄总年限不得超过40年,公积金贷款加房龄总年限不超过35年。也就说,假设房龄为10年,商贷最长期限为30年,公积金贷款最长期限为25年。   “8.5折优惠还是我们调整过的,原来定的是500万元以上。我们的折扣力度在市场上确实不是最有竞争力,但是我的额度指标也已经完成了,现在办理相对速度比较快。”另有一名招行客户经理坦言。   光大银行上海分行的最大优惠,也是200万元以上商贷基准利率8.5折优惠。但21世纪经济报道记者致电某支行客户经理,其称200多万元的商贷,一般优惠为8.8折。根据客户具体的资信情况,还有一定商量空间。要想享受8.5的折扣,商贷金额一般要达到500万元以上。   此外,浦发银行某支行回复一般折扣为基准利率8.6折。民生银行折扣在8.5折、8.6折、8.8折不等。兴业银行某支行客服则表示一般对外为基准贷款利率9折,根据客户金融资产的情况,可低至8.8折。通过指定中介,最低有8.5折。   1月个人房贷增量创三年新高   自去年下半年开始,上海地区个人住房贷款一直保持着高速增长,该业务被银行普遍视作重点发展方向。   根据央行上海总部的统计,2015年上海地区新增本外币个人住房贷款1539.7亿元,其中下半年新增1077.3亿元,同比多增857.3亿元。   一名股份制银行上海分行零售部门相关负责人曾向21世纪经济报道记者透露,2015年初重新启动个人房贷业务,分行定的目标只有20亿元,结果没想到新增了约100亿元。   而今年1月上海地区个人住房贷款单月增加346.3亿元,单月增量打破去年9月创下的纪录,创下近三年来新高。环比多增139.9亿元,同比多增243.1亿元。   可以比较的是,去年9月个人住房贷款新增218.9亿元。去年1月的增量则为103.1亿元,不到今年1月增量的三分之一,环比多增仅33亿元。   1月份的新增量中,二手房贷款增加191.5亿元,环比多增111亿元,同比多增143.7亿元。   “银行开门红里面,房贷是很重要一块。我们算下来,申请房贷的,平均价值在500万元左右。”某华南股份制银行上海某支行人士表示。   某以个人业务见长的银行个人金融部相关人士透露,今年个人住房贷款指标比2015年增长约30%。另一家大型城商行的年增长指标也为30%。“主要是因为基准利率在下降,对个人住房贷款的影响还是比较大的,单笔利润在降低,所以要做大规模。而且比起对公贷款,风险还是小的。”该人士表示。   但也有某股份行上海分行零售部人士告诉21世纪经济报道记者,今年个人住房贷款指标增幅,相比公司业务并不高。“我们并没有在1、2月集中放贷,特别是春节前后头寸管理,也不可能一下子放出很多。”该零售部人士说。   “去年下半年以来,上海房价涨幅确实超出我们预期。至于房价怎么走,对于我们来说,一线城市相对还是保险的,主要是把握放款客户质量。”前述城商行零售部负责人表示。 进入【新浪财经股吧】讨论相关的主题文章: