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According to the current five-year loan interest rate is 7.05% above to calculate, its lowest rate is 7.755%; If the bank to purchase second homes personal risk pricing for the benchmark interest rate 1.5 times, then the interest rate is 10.575%. The former is 2009-2010 preferential loans interest rates nearly double the (then to 4.158%), the latter for the interest rate of 2.54. As 30 years of long-term loans, is compounding, its financing costs rise, the credit policy change on speculation ChaoZuoZhe will cause a huge impact. In this case, the housing speculation ChaoZuoZhe is won't be rushed into the market. This is why in 2010 after housing regulation of housing sales happen quickly down the root causes of the place. Can say, personal housing law disseminating the core of credit policy here. The third layer of meaning is the first set of housing loan proportion down shall not be less than 30%, but the loan interest rate did not make clear a regulation. Despite this, the first set of loan interest rate won't return to the no. 302 document 7 discount, and more emphasis on the no. 302 document bank independent risk pricing and the borrower constraints (as the housing loan shall not be higher than the income on spending 50%). Because, if the 5-year loan interest rate (general mortgage loan is more than 5 years to will) 7.05% of the 7 fold preferential calculation, so the interest rate is 4.935%, much lower than the five-year deposit rate of 5.5%. Commercial Banks each batch of such loans will losses. Even if the loan interest rate was 5.640%, discount for discount of 5.9925% for 85, deduct bank operating costs, the bank is no profit in business. So, commercial bank loan interest rates only 7.05% of the benchmark rate only guarantee that broke even. If commercial Banks to the first set of housing favorable interest rate, unless just to increase market share, but to bank profits growth doesn't work, the first set of the bank to buy housing mortgage rates preferential motivation is not strong. So, the current commercial Banks to buy the first set of housing mortgage rates remain in the benchmark interest rate level also belongs to the normal level. However, the above two about housing mortgages loan differentiation of the file exists in two omissions. One is to buy the first set of housing loan interest rate YouHuiDu is how much, past the corresponding files of detailed provisions, such as the central bank of the 1998 no. 190 document to housing loan interest rates rise and floating have detailed regulations; 2003 years of no. 121 document, so 2003 years after the document no. 18 housing loan interest rates according to the lower mortgage rates discount management; And 2008 302 files are housing mortgages loan interest rates lower limit expanded to seven discount (mainly refers to the first set of housing and the improvement of the above two sets of housing). But the document 275 and 1 doesn't have the new regulations. This will inevitably lead to the purchase of the new in the first set of housing of completely by bank interest rates free pricing. It is currently in different place different bank first set of housing loans to offer different loan interest rate policy debate over the reason. At the same time, because of the current documents have not given the first set of housing loan detailed preferential standard, not only the local government to require commercial Banks are demonic innocence for housing loans and preferential interest rate back to document 302 conditions without considering the current on interest rates change, and is not 2010 years ago the housing stock 6 trillion mortgage interest rates can't normal adjustment. This 6 trillion housing mortgages loan, if preferential policy unchanged or still 7 fold favorable interest rate, so the interest rate is 4.935%, much lower than the five-year deposit interest rate 5.5%, bank interest rate 0.565% loss. If Banks operating costs do not calculate, commercial Banks also get to such lenders subsidies 273.9 billion yuan. The subsidies seems by the commercial bank to pay for, is in fact the depositors to borrowers subsidies. Because, this is entirely the result of the interest rates the government control. Another loophole is residents buy housing credit policy ground is in accordance with the first set of conditions offer, or according to the second set of conditions bid. In these two documents no provisions. If there is a national housing information system, the bank can through the system to determine the different ground buy housing is the first set of or the second set. If not the housing information system, to make this recognition is not easy. In this case, whether buying homeowners or bank can bring a lot of confusion. Visible, in the existing housing credit conditions, the housing market remained only a few housing consumers, housing speculating can't also can't enter the market. Because, one is even buy the first set of housing can also be used to speculating, but its rising down and, in part, will contain buy the first set of homeowners into; 2 it is due to thelike the leisure style, you can choose True Religion Womens Straight Jeans with dark colour scheme then match loose clothes such as T-shirt, sweater, coat, etc. Moreover, for the ladies’ style, you can choose a pair Mens True Religionof True Religion Womens Skinny Jeans match a silk blouse with flower patterns. It can show your deep femininity, and express your comfortable and capable think almost every woman has got a pair of True Religion Womens Straight Jeans. While you must Cheap True Religion Jeans Salestill lack such a creative jean which we call it True Religion Womens Straight Jeans Blue Classic first set of housing mortgage rates no hard and fast rules, document 302 more is to emphasize that bank independent risk pricing. The central bank is also emphasized recent opinion can let the first set of homeowners get loans, but no provisions of the loan interest rate is favorable. In the housing market with the great risk and the risk may be caused by the impact of bank profits not small, commercial bank tendentiousness more do the first set of housing mortgages loan but let the interest rate up flexibility. Three is a person into loans credit conditions will be affected by strict censorship, if not reach the loan risk pricing conditions, even buy the first set of housing is still can't enter the credit market. Can say, even if the government may take place to let go of housing ?? make soft, but in the current personal housing mortgages loan credit policy, the current housing credit policy not only the change of financial condition and ChaoZuoZhe speculative market expectations, and tough to stop the housing speculation ChaoZuoZhe can enter housing market. This is what the current housing market gradually change the nature of the policy factors. And the differentiation of the credit policy not only is to let the first set of housing residents buy into the market (though, in the higher prices will be able to residents into existence of the big issues), and the most important is to housing speculating and consumption credit policy to distinguish. Even if purchased from live, the second set of housing credit conditions is the first set of very different. And differentiation credit policy is the most important is to crack down on housing speculating, to the local citizens to buy more than a third set of housing, in other parts of the residents of the second set for more than housing, its credit policy is strictly prohibited loans. This is the differentiation
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