The rules have to change some of the details

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ABC website last night pulled Deal mortgage rules related articles,Ugg Australia Outlet
Information Times (reporter Feng Yuan Qiao Qianqian) according to central bank regulations, from October 27 onwards, the commercial individual housing loans interest rate floors expanded to 0.7 times the benchmark lending rate; minimum down payment ratio of 20%. Yesterday was the second day of the New Deal mortgage executed, ABC, CCB first introduced mortgage rules reporter was informed yesterday, the Guangdong Branch of Agricultural Bank of China head office has received the relevant rules, but also according to the Guangdong branch of local conditions to develop specific operational measures to fight Nov. 1 recently sent to all branches. According to other media reports, CCB Sichuan, Qingdao, head office has received the relevant rules, but the Guangdong Branch of China Construction Bank, said the person,Ugg Outlet, as of yesterday, the Guangdong region has not yet notified. Guangdong Bank of China, ICBC, China Merchants Bank,ugg boots uk sale, China Everbright, livelihood and other banks have also said there was still not yet received the head office of the relevant rules under the bank's head office rules, the residents first purchase ordinary housing and improve the type of ordinary housing loan demand, the loan interest rates and down payment proportion shall give support on concessional terms, the minimum down payment ratio of 20%; loans lowest interest rate adjustment is performed the same grade, but 0.7 times the benchmark rate, the borrower purchase of non-ordinary housing, even first-time buyers, the first payment the principle of proportionality and not less than 25%; borrowers purchase of non-occupied housing, the down payment is less than 30% will not be allowed to buy non-ordinary housing loan interest rate in principle fall; strict control of the borrower a one-time application multiple individual housing Loans Loans of press time last night, 11:00, Beijing came the news that ABC removed from its website last night, the New Deal mortgage rules. ABC Marketing Department, said: The rules have to change some of the details,Ugg Boots Outlet, the regulatory authorities have been hanging in the ABC article on the home removed. Insiders admitted that the new policy difficult to grasp , have to see. Initial purchase ordinary housing and improve the type of ordinary housing: minimum down payment of 20%; loans lowest interest rate adjustment is performed the same grade of 0.7 times the benchmark interest rate buy non-ordinary housing: the first payment should be at least 25%; borrowers purchase of non-self- housing, the down payment shall be not less than 30% of the deposit rate loan prepayment rates farewell
The central bank will buy a first mortgage loan lending rate increased from 0.85 times to 0.7 times lower, the bank's deposits and poor further narrow profit margins will be no small squeeze, which is anticipated to bank insiders Currently 5 over-year benchmark lending rate of 7.47% per annum, after a 30% discount rate is 5.229% of the actual, and the current five-year benchmark deposit rate of 5.58%, a deposit and lending rates upside down. There are banks who illustrate, suppose there are one million customers and has one million mortgage balance idle cash, if the interest rate is not adjusted within five years, then the customer does not advance loan, but the funds deposited into the same bank, five years after its total interest income of nearly 270,000,cheap ugg boots for sale, while the total interest paid only 140,000 loans, so often before emergence of the early repayment tide will become history banking industry generally believe that, although the New Deal is to encourage self-occupied housing demand, but the down payment from the original dropping from two to three, and discount rates, not only reduced the bank's profit margins, but also increased the risk of banks. Information Times reporter Feng Yuan Qiao Qianqian
Improve the type of ordinary housing how to define?
Reference standards may be less than 144 square meters first set of housing
Improve the type of ordinary housing How to Define? Agricultural Bank of China Guangdong Branch official said, the announcement of the head office and not clearly defined, but the branches in the area may be defined, but the definition of standards will differ in different cities, such as in Chaozhou 160 square meters of housing will is defined as ordinary housing, while in Guangzhou, this standard is not possible, at present, the Guangzhou region improve the type of ordinary housing, a reference to the first set of housing standards may be lower than 144 square meters. Once finalized this standard, then the public to buy second homes, if the area is less than 144 square meters for the first time home buyers, the second home buyers (mansion, shops except) can also enjoy the first Fuer Cheng, loan interest rate 7% discount. First-time buyers is greater than 144 square meters, in principle, less than 25% down payment, interest rate to float downward in principle, Information Times reporter Feng Yuan Qiao Qianqian
Play percentage rate loans 630,000 60,000 underpayment interest
ABC rules focused before the introduction of the New Deal interest rate adjustment of individual housing loans, from January 1 next year onwards, the initial loan amount of 300,000 yuan (including) above, the original interest rate of implementation of the same grade of 0.85 times the benchmark interest rate loans the loan interest rate from January 1 next year onwards unified automatically lowered the benchmark interest rate for the same grade of 0.7 times.
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