129809694363281250_637Yu Mu Zhan: mortgage is not the high quality credit
Yu Mu Zhan as banks have cut first mortgage interest rate to 85 percent discount rate came as, just when people thought of monetary policy will be more lenient or was first to take 85 percent discount rate ICBC Shanghai Branch has recently "shut down" first mortgage rates of 85 percent discount. According to market rules of the commercial bank, now the State monitoring on the first set of general merchandiseDomestic interest rate policy is: banks independent pricing. ICBC Shanghai Branch has the right to halt since the beginning of the implementation of the first set of their own mortgage 85 percent discount rate. But in my estimation, cancel the first set of mortgage lending rate of 85 percent of the most basic reasons, is the Bank's own profit problem. First set of preferential mortgage rates back to 70 percent of the former State, had not. To5-year loan, for example, the current implementation rate of 7.05% of loans, take 70 percent after interest rate of 4.935%, has been hung upside down with the deposit interest rates; after playing 85 percent to 5.993%, compared with 5.5% 5-year deposit rates, bank earnings is not much. ICBC Shanghai Branch in early launch of first mortgage interest rate discount of 85 percent, is to a large extent byFor large lines of credit in the year of the release. In accordance with the usual habits, high quality loans mortgages as always relax in commercial banks in terms of preferred. Probably over monetary hyper-too many, present a potential threat of inflation remains very serious, macro-management for credit management is still very cautious. Even though HSBC China Manufacturing PMI April rebound in value since last month and the low point, and overValue, signs of China's economic rebound in the second quarter are very clear, workers
wow cd-key, farmers, April, built four commercial banks in lending speed is significantly slowed down. Course credit growth fell mainly due to outflow of deposits in anticipation of market interest rates downward and many enterprises choose to defer loan financing plan, but mainly under the influence of the credit line management. Manufacturing economy to pick upProspects, and limited lines of credit to the real economy, for commercial banks, more profitable
TERA Gold, and this is also in line with macro-oriented intentions.
Even if put to the capital very difficult for SMEs, introduced in countries further tilted under the premise of SME policy, might also be compared to the nation now appears to already low profit mortgage is desirable. From the first set of mortgage interestPreferential rate policy and the property relations, Bank loan interest rates move, could not have a substantive effects of thermal effect on the property market, because life long personal mortgage loans, interest rates after fine-tuning financial savings are difficult to reflect directly on the market. And the current Central Government regulation on the property market is still out
Rift Platinum, in a number of policy continued to adhere to the case, current prices broken down bySigns begin to emerge, in the case of property prices even declined slightly, preferential mortgage rates are not conducive to improving housing quality. Furthermore, preferential mortgage rates at this time, from the general direction, macro-management and is determined to firmly control the property market out of step. Therefore, nearly a dozen years have been the banks considered "Xiang Bobo" mortgages, now I am afraid that is not what quality loans��
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