129816258686900000_117Banks real estate loans to weakness, how the future policy trends? Yesterday was informed that ICBC head office level "suspension first mortgage approval 85 percent interest rate" loan interest rates return to baseline levels. Meanwhile, the Bank of China, agricultural Bank, construction Bank, China Merchants Bank still has the lowest rate of 85 percent discount; however, it has a bank to start brewing "follow-up" ICBC's measure。 Bank of Shanghai headquarters yesterday released data shows April Shanghai personal housing loans decreased by $ 2.23 billion in foreign currency, monthly and per cent reduction of $ 1.08 billion and $ 4.48 billion, respectively. Mortgage policy or keep changing "high quality customers to carry out the first set in the mortgage is still 85 percent interest rate, but did not rule out future also has to cancel offers, return to the base rateCan. So now will advise the customer to handle the mortgage as soon as possible. "A State-owned bank admitted to reporters, head of a branch of the credit. In a large State-owned bank loan Department of Shanghai Branch, ICBC cancelled the first set of mortgage lending rate "head office", is defined based on their own financial and business development, "Government has asked commercial banks to support mortgageCase, not sure banks massive follow up in the future. "He said. Lasted for more than a month of first mortgages only 85 percent discount rate's "death", mainly reflecting the thirst returns on bank capital since last year. Reporter from a banking Insider understands that for the individual mortgage loans, primarily considered from two perspectives at head office level policies: Is a policy directly, head office directly provides that "no more than 85 percent minimum interest rate" or "minimum benchmark interest rate for no more than" second examination system, which can bring return of each loan funds
Diablo 3 power leveling, which shall not be less than the rate of return an index. "Although in previous years the Bank had also taken on the first mortgage incentives, policy and business environment but this year has been different. "That said, if you are in the loan interest rates
Diablo 3 Gold, but the indicators of return on capital is not the same case, the Bank is likely to be passively selected interest rates again. And it said a different operating environment, but also to a large extent on the identification of customers to have access to preferential interest rates. "In other words, as long as the identification of the customers are VIP clients in previous years or how many scale deposits,Can quickly determine whether the customer can enjoy preferential interest rate; but this round of preferential interest rate policy, on the basis of comprehensive index calculation is based on the Bank's internal customers through comprehensive calculation of return on funds cannot be directly determined. "The person said. This reporter learned from the banks, commercial banks currently on the comprehensive evaluation system of personal housing loan includes loans customersOwn indicators such as age, occupation, education, income, and the percentage of loan repayment, loan period, income loss ratio, loan default rates and other loan types of indicators. "Everyone at the tiller, ICBC cancelled after the first set of mortgage interest rates credit business impact. "These heads of large State-owned bank Shanghai Branch of credit reporter admits. Picture of real estate loansContinued sustainable real estate market macro-control, bank loans for real estate picture not changed. Bank of Shanghai headquarters, according to data released yesterday, decline in April Shanghai personal housing loan was extended to Shanghai this month foreign currency loans decreased by $ 2.02 billion for personal consumption, reduced by more than $ 3.61 billion which this individual housing loans decreased by $ 2.23 billion in foreign currency, the ringAnd per cent reduction of $ 1.08 billion and $ 4.48 billion, respectively. In April, added the foreign currency loan of $ 6.2 billion in real estate development in Shanghai City, with land reserve institution loans and affordable housing development loans increased $ 3.8 billion and $ 1.7 billion. Nationwide. Central Bank on April 25, according to personal housing loan in the first quarter of this year increased 15$ 7.4 billion, up additional $ 175.7 billion less personal housing loan balances of $ 7.3 trillion, an increase 12.1%, 3.5% per cent lower than at the end of last year. "Will continue to perform this year's real estate credit policies are not relaxed. "A Deputy Governor of the State-owned bank said. A joint-stock Bank Shanghai branch officials told the reporter that, inUnder the background of the real estate market regulation
Rift Platinum, already weak personal mortgage loan principal is five lines of "Digest"; in order to maximize credit resources and the money earnings, small area of micro-enterprise loans this year will be more popular.
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