Date: June 27, 2013, a grove
Abstract: this week, China construction bank tianhe branch will be the first mortgage rates changed 93 fold the lowest discount to 93 fold, under this regulation, a 30-year mortgage for a total of 1 million will pay interest on more than 30000 yuan. It is important to note that the first set of second-hand housing loan seems to be a comprehensive "benchmark interest rates".
Dispatch of sina le ju (editor Pan's pure interns Any margin) continued contraction this year interest rates are favorable situation, this week, the tianhe branch of CCB will first mortgage rates changed 93 fold the lowest discount to 93 fold, buoyancy two points.
In 1 million the 30-year mortgage, for example, if the way repayment of principal and interest waiting for the forehead, in the case of a 95 discount rates, monthly contribution is 6137.67 yuan, the total amount of interest is about 1.2 million; Under 93 discount rate, the monthly contribution is 6053.49 yuan, the total amount of interest which is about 1.07 million. Under the interest rate adjustment, the lender monthly contribution will be increased by about 84 yuan a month, a total of more interest and more than 30000 yuan.
In addition, China merchants bank, this week a loophole has always been reluctant to lend, the last week of the first set of housing the benchmark interest rate is adjusted for the lowest available rate 95 discount, but it requires the borrower credit record is good. However, the offer only applies to new homes, the first set of second-hand housing loans still execute the benchmark interest rate.
This week, guangdong development bank, HSBC, citigroup and other Banks still have 85 discount interest rate policy, but the bank only accept the second-hand housing loan business. At the same time, the offer only applies to a monthly income of more than 10000 borrowers. And HSBC bank rate is 85 discount for new homes, the first set of second-hand housing benchmark interest rates. And guangdong development bank rate is 85 discount on loan in more than 1 million customers.
It is important to note that the first set of second-hand housing loan seems to be a comprehensive "benchmark interest rates".
This week, HSBC, guangzhou bank, China merchants bank, everbright bank, societe generale and other 5 Banks are benchmark interest rates for the first set of second-hand housing loan execution. Citic bank and even the first set of second-hand housing loan interest rates to rise by 10%. Four line does not, however, the current to the first set of second-hand housing loan interest rate adjustment, still execution is the same as the first hand the mortgage interest rate policy.