According to " Chinese sound " , the media such as the Yangtse Evening Post reports today, suzhou building city explodes give a big news:
Begin from August 1, the travel in Suzhou, Agriculture Bank, work goes and 4 big state-owned banks are in the Construction Bank to deal with housing for the individual when loan business, metropolis requirement client signs to shift to an earlier date reimbursement notice, this makes clear a regulation in reimbursement notice ahead of schedule: Since this day, if the client shifts to an earlier date inside 60 months reimbursement, will by collection fixed proportional penalty due to breach of contract.
The Construction Bank that the graph is media exposure on asks the client is signed " notice " . Clear ground is imprinting above:
= of penalty due to breach of contract shifts to an earlier date × of interest rate of month of reimbursement amount × 6.
That is to say, punish ceasing is 6 months, base is " shift to an earlier date reimbursement specified amount " . For instance you borrow money in the bank 2 million, should shift to an earlier date entirely now reimbursement, your interest rate is rise 20% . So the bank punishs to yours ceasing is:
× of =200 of penalty due to breach of contract (120% ÷ of 4.9% × 12) × 6=5.88 10 thousand yuan
To 4 big act in Suzhou, appeared on media a lot of unscramble. Compare the main trend unscrambling means is: This is measure of adjusting control of city of a kind of building, it is to tighten up adjusting control, be equivalent to be restricted to make work. For instance " Yangtse Evening Post " say with respect to the analysis:
The personage inside course of study points out, the execution of new rule of penalty due to breach of contract, or the cost buying a house that will raise the person that buy a house, blow is secondhand the enthusiasm that room market trades. Because new rule of penalty due to breach of contract basically is aimed at the crowd of the loan after August 1, cover showing investment visitor to be eager to selling the building undertakes especially, affirmative meeting produces an effect. In the meantime, also can affect a part short-term inside those who change a room is perfective demand crowd, the pass on cycle of the building will be spun. Although new rule of penalty due to breach of contract is not to be restricted to make work, but have on certain level be similar to the action that is restricted to make work.
Actually, this is measure of building city adjusting control far from. This 4 big act, divulged to the market loan specified amount spends interest rate of comfortable, future or the major news that go low instead!
Without doubt, policy of Chinese monetary policy, finance is in in this year June since the last ten-day of a month, had happened great change direction. The meeting of the Political Bureau that just holds, the State Council is standing the conference, already specific requirement " finance policy is more vigorous " . And monetary policy, had begun to emphasize " of fluidity reasonable and bounteous " , and before be " reasonable stability " . In addition, reduce cost of hypostatic economy financing, also mentioned the order of the day.
The bank is in directional fall accurate, directional lower interest. In addition, it seems that the country is in be on guard with all one's strength capital flows into building city, put forward to conference of this the Political Bureau " price of house of determined keep within limits rises " and " be determined to solve problem of good estate market.
But in fact, end travel data shows: Since this year, china adds the section with the fastest lever, remain " resident branch " . Resident loan increases scope, remain the fastest in all categories. Resident borrows money, the majority is to buy a house. Not be on even if name, also be actually. This, chinese the heart knows abdomen bright.
The graph is on " Tecent is big revive net " the Suzhou of the statistic at the beginning of July circumstance of rise of interest rate of each bank loan. Can see, 4 big a flatlet loan interest rate is general rise 20% , 2 flatlet are general rise 30% .
Notable is: According to afore-mentioned form, suzhou rate of each bank make loans is very rapid. In a lot of cities for instance Shenzhen, bridal chamber loan often needs 34 months, secondhand room appreciably also wants a many month a few more quickly. And Suzhou is general it is week of a month, number. This explains, the room of Suzhou is borrowed more comfortable.
4 big are course of study of Bank of China " national mainstay " , the degree of tightness that they spend to loan specified amount for certain, interest rate goes situation the foresight that having special common.
If 4 big think, prospective loan specified amount is spent can continue nervous, and more and more nervous, so the extent of interest rate rise can be increased. Below this kind of circumstance, can they ask current client is signed " ahead of schedule is reimbursement punished breath " agreement? Won't!
Very simple, interest rate borrows money after more and more expensive, bank loan specified amount is spent finite, be only too anxious to the client before this still is borrowed ahead of schedule, can vacate the forehead to spend, loan gives rise extent bigger client.
Conversely, if they think prospective forehead is spent comfortable, extent of interest rate rise can be reduced, how can they do? Can ask present client is signed of course " ahead of schedule reimbursement is punished breath " agreement, with earning brushstroke more.
So, 4 big this act, leak an important information instead: Be in Suzhou area at least, the room borrowed the space of interest rate rise to have hardly, lane is bad to can resemble Guangzhou very quickly same, reduce rise scope in the round.
In the past a month, guangzhou reduced scope of interest rate rise, extent of interest rate rise was moved on Shenzhen criterion. Save in Guangdong likewise, guangzhou and Shenzhen are to carry what go to on the back. Because the city uses the appearance of plan period,this is, shenzhen building city is in get warm again after a cold spell, have rise significantly pressure, so Shenzhen moves to restrain; And Guangzhou thinks building city is OK a few more active, did so " lower interest " act.
City of building of near future Suzhou is a bit cold, although bridal chamber will clinch a deal in July,annulus comparing is added slightly, but land auction market compares Dan Jing. In the sale of a land July 24, appeared " 3 Zong Liu is patted, 4 base price clinch a deal, rate of 3 Zong Yi price are a digit " . "New China daily " report, used " earth of Suzhou near future is patted a bit cool, earnest of house price firm earnest " caption.
