The Bank Has Implemented The Benchmark Interest Rate For The First Suite Loan.

After the Spring Festival of 2012, the overall lending situation of commercial banks in Beijing was slightly better than the tight state in the fourth quarter of last year. Not long ago, the central bank put forward "to meet the loan needs of first-time home buyers" in mortgage loans. This gives buyers some expectations for further easing of mortgage interest rates.

　　 Still implementing "recognition of housing and recognition of loans"

This week, a number of banks interviewed and consulted by telephone showed that most of the banks that had raised the first suite interest rate to 5%-10% had already adjusted to the benchmark interest rate (7.05%). At present, most banks, including the four major state-owned commercial banks, such as industry, agriculture, China and construction, have the first suite interest rate as the benchmark interest rate.

For homebuyers, the first suite of loans returning to the benchmark interest rate will be reduced correspondingly compared to the previous 1.1 and 1.05 times interest rates, whether monthly or total. Compared with the previous benchmark of 1.1 times, the loan was 1 million yuan before, with a term of 20 years, and a monthly supply of 8212 yuan. After the implementation of the benchmark interest rate, it could be reduced by 429 yuan per month, and the interest rate reduced by 103 thousand over the 20 years.

It is also understood that at present, the implementation standards for the first suite loan policy of all banks are 30% down payment, the interest rate is the benchmark interest rate, and the implementation standard for two suite loans is 60% of the down payment and 10% of interest rate. At present, banks are still checking the borrowers according to the standards of "recognition of houses and recognition of loans", and no new adjustment has yet been made. Loan interest rates are not limited in terms of the area and total amount of the house purchase, so long as it is the first time to buy a house, the loan can be executed in accordance with the benchmark interest rate.

　　 Discount rates are hard to get.

However, the discount rate that buyers are expecting is hard to get at present.

For future interest rates will be greater discount space, a commercial bank official told reporters that this is mainly depends on the size of the credit control and supervision efforts. "For banks, housing mortgage loans are still high quality loan resources. Although interest rates do not lend large loans to enterprises, the risk of housing loans is relatively small due to mortgage. In addition, the customers who handle housing loans are relatively good personal customers. By establishing mortgage loans, they can establish long-term contacts with them and help persuade them to accept other financial products of banks, which is also beneficial to the long-term development of banks. "

When the reporter asked a number of bank mortgage discounts, all the answers were: "now that the regulation is too strict, there is no discount." {page_break}

　　 Apply for mortgage tips

　 Work, personal credit and so on to apply for extra credit for housing loan.

According to the staff of Beijing WIK Anjie investment Company limited by guarantee, excellent borrowers have always been favored by banks. When banks are lending "tight", they are becoming customers of banks. Highly qualified borrowers can not only give priority to loans, but may even enjoy more preferential loan policies. Then, when banks consider the qualification of borrowers, what are the criteria for reference?

　 1. Work and education

In the audit of bank lending, the borrower's work unit and education level are the primary factors. Banks prefer the employees of the top 500 enterprises, central enterprises, large state-owned enterprises and foreign enterprises, and high academic qualifications are also considered to be directly proportional to high income, which is regarded as a guarantee for repayment by banks.

　 2, borrowers bank water

Income flow is also an essential factor for assessing borrowers. It is generally known that when a loan is processed, it must provide a certificate of income issued by the borrower's unit and stamped with the official seal of the unit. When the loan is audited by a borrower, the minimum requirement is that the income certificate provided by the borrower is at least 2 times more than that of the monthly repayment. The income flow mainly refers to the flow of income provided by borrowers, usually the detailed list of wage income. Banks usually want to see that borrowers have stable and reasonable bank water flow, which should be consistent with income certificates.

　　 3, personal credit reporting

At present, personal credit has become an indispensable auditing standard for bank lending. That is to say, personal credit is not overdue. Mortgage, car loan and credit card repayment are not overdue. For people accustomed to credit card consumption, repayment is particularly important.

　 4. Large assets certificate

There is also a bonus point in the loan audit: the borrower's large assets certificate. In some banks, if the borrower can provide investment certificates such as stocks, funds, bonds, or certificates of large assets such as certificates of deposit, purchase and purchase of cars, the banks will give some policy "care" when they approve the loan.

　 Remind

Vigilance against false promises

In the second half of last year, Ms. Wang bought a project in South Fourth Ring Road. The developer appointed two banks to choose from. One of the bank's staff said that there could be a 10 percent off interest rate, so Ms. Wang chose the bank. But with interest rates tightening, months have passed, and loans have not been done. Because the 10 percent off interest rate is just an oral promise of the bank staff, without any written proof, Ms. Wang is very passive in the process of winning the interest. Fortunately, the staff finally made the loan through other flexible methods, and Ms. Wang hung her heart.

Zhang Dawei, director of Beijing Zhongyuan Real estate market, said that at present, except for very few transactions in the market, interest rate discounts can be realized. The larger discount rate is likely to be the untrue oral promise of a representative or a small intermediary company, which is difficult to implement after attracting customers to sign a sales agreement. Buyers are better advised to ask banks to get written or explicit responses to avoid losses.