mortgage manages

The mortgage manages finance a way to follow to tightly stare at the policy"direction of wind mark"

In 2011 already near end, the mortgage market tightens of trend not yet change.Recently, along with set up one paper notice that the line raises a suite lending rate, the highly anticipated mortgage market again becomes the public's vision focus.

The bank finance mangaing expert points out that the current mortgage finance mangaing wants "with constant should ten thousand change" and lend money a person to need to tightly stare at the policy"direction of wind mark" to draw up the oneself related finance mangaing programming, the biggest degree makes use of good loan resources.

Mortgage of tightenning

"Consult a mortgage circumstance?You is to ask a suite lending rate of?"When reporter with buy building person of the identity go to each bank consults,pearl jewellery almost all letter loans manager all the "a needle sees blood" ground pointed out to consult a purpose.

In fact, while believing the circumstance that the loan total scale tightens, currently the head on the market the suite loan interest rate special discount already hard look for.Get into 2011, the mortgage business of each commercial bank has been presenting an appearance for tightenning.According to the related rules, while carrying out the premise that the difference turns a letter loan policy, this front of head the suite lending rate have been canning enjoy 7 fold a special discount, but along with letter the loan continuously tighten, 7 fold the special interest rate becomes 8.5 fold, afterwards again cancel the special interest rate changes into basis interest rate, until carry out 1.05 times that of basis interest rate currently."For current loan person but speech, buy the paying interest cost that building wants increased to be close to 50%."The some commercial bank letter loan section personage said that" and raise a suite lending rate, also really repressed a part to buy a building need."

Understand according to the reporter, the current mortgage is on the market and purchase the lending rate of two suites to widespreadly carry out basis interest rate 1.100% levels.As for the interest rate level that the head suite lends money, as to it's do a lot of banks have already been widespreadly carry on raising.The above Haiti area is an example, currently include to set up to go the Shanghai branch office and brighten banks, such as branch office in bank Shanghai and wide hair bank branch office in Shanghai...etc. all have already raised a suite loan interest rate, but hand over line, work to go etc. the bank temporary didn't raise a suite loan interest rate currently.

But at haven't stipulated formally the bank of raising a suite loan interest rate in, being not all loan persons either can carry on a loan by basis interest rate.Some share system bank letter loan manager tell a reporter, should go so far also didn't performance head suite loan the interest rate is 1.0500% ruleses, "but we go will also according to the customer's enquiry circumstance,discount women shoesbut give different lending rate.The for example high-quality customer can enjoy basis interest rate, some customers gain confidence a circumstance not enough good, the interest rate probably will ascend to float 3%."

The mortgage manages finance to tightly stare at policy direction of wind a mark

The mortgage interest rate that continuously promotes, in addition to repressed part to buy building also letting the interest rate cost that lends money a person of person the gradually high Qi is into the city footstep.The bank finance mangaing expert points out belonging to the mortgage"high cost" stage currently.Aim at a different circumstance, the public should tightly stare at a policy direction of wind mark with"constant should ten thousand change", with decision whether want in advance return loan or the liquidity keeping a funds does other investments.

According to current mortgage interest rate level, purchase an interest rate of suite as 7.40%, with this front of the head suite lend money 7 fold special interest rate to compare, the interest cost differs very big.Have bank letter loan the manager calculated a Zhang for reporter, with lend money 1,000,000 and divide and repay fully for 20 years for example, at choose wait sum capital and interest of return a style of condition under, if need to return a style 7783 dollars monthly according to 7.05% basis interest rates.If up float 5% levels to return a style and then need to return a style 7994 dollars monthly currently according to the bank interest rate, the month is provided for style to increase 211 dollars.For buy a building and talk, see over a long period of time in the inflation pressure the month of increment under the bigger circumstance provide a sum is also a not small pressure.

"I have been this standpoint and lend money total scale to still be placed in to tighten appearance under the sistuation that the monetary policy didn't change, everyone need not become nervous to return a loan in advance."The transportation bank finance mangaing teacher Li Ji means.He points out further that even if is those in hand the funds increase of loans person, should also make use of a current loan resources well."In case of in advance return a loan behind need a funds, under the current environment, again want to acquire a loan to be getting more difficult very much."

But when can consider to return a loan in advance?Li Ji said that related policy can be treated as"direction of wind mark" of everyone's mortgage finance mangaing, once the monetary policy appears relaxed signal, everyone can combine his/her own finance mangaing plan and funds circumstance, the consideration returns a loan in advance.

Have already lent money the oneself lending rate problem that the person pays attention to to the part, the letter loan manager in the preceding paragraphs said, this year the variety of bank mortgage interest rate is more and more multifarious, but already lend money the person's interest rate then according to this before sign with bank of contract but settle.According to the related rules, the adjustment period of lending rate can change to°from"is certain for a year" from"borrow both parties certain according to the business principle, can expect in the contract inside by the month, quarterly, the adjustment yearly".Generally speaking, the public will choose "is certain for a year",Patch cord manufacturer this means, currently their lending rate still according to the existing level performance, till the beginning of next year will carry on raising according to the contract rules.