The Reporter Found That The Preferential Interest Rate

the reporter found that the preferential interest rate

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During the financial crisis, the property market slump, the mortgage \”discount rate\” began to emerge. The property market in 2010 into the regulation of banks in the first half then cancel the 30% discount. 2011, the first mortgage interest rates go up even more to become the norm. Shanghai interview, the reporter found that the preferential interest rate than a month ago, the first suite of loan has increased to 8.5 fold, a small number of customers can get 20% discount, but the 7% interest rate, \”there is no trace of . A joint-stock banks, the Shanghai branch of Personal Financial Services official told reporters, greatly narrowing the 70% loan interest rate deposit and loan spreads, banks do not make money, there is no motivation to do 20% off interest rate may be the bank\’s break-even point \”. Real estate agent who analyzed the current five-year benchmark lending rate from 7.05% to 6.8%. According to cut interest rates hit 8-fold, the first mortgage to the actual implementation of the interest rate is 5.44%, equivalent to the original benchmark interest rate (7.05%) 7.7%, has dropped to below 20% discount for buyers is really real The concessions. However, although the 30% discount \”is the first castles in the air, but under the influence of interest rate cuts and other means, mortgage rates down is expected in the fermentation and affect the property market.

Chang Yung-ping said that since June, the customer showings amount of at least an increase of 20%, although no direct manifestation of the volume on, but the customer psychology is expected to begin to change for the better, willingness to hand to buy a house, card sophomore store manager of the Central Plains real estate enhanced. Whether the property market has gone through the \”bottom\”  The statistics show that hand residential volume in May was 806,300 square meters (6710 sets), an increase of 31.99%; even compared with the March \”rebound\”, but also an increase of 0.92%. From the country as a whole, the first in May of this year, the national real estate sales of 288.52 million square meters, down 12.4 percent, but the decline narrowed by a percentage point over the previous April. Investment in real estate development is to better reflect the trend of the index. Before May of this year, the domestic real estate development and investment of 2.22 trillion yuan, an increase of 18.5 percent over the same period last year; May develop investment of 637.8 billion yuan, an increase of 18.2 percent from a year earlier, much higher than 9.2% in April year on year increase. Some analysts believe that the major cities in the real estate market has bottomed out in March and April. Central Plains real estate, investment securities, etc. is expected in June to August this year, the property market will not short off.

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