Industrial and commercial bank, agriculture bank reduces room of Shanghai head flatlet to borrow interest rate to cause the wide attention of the market. Nevertheless, only between one climate, gut appears invert, branch of branch of Agriculture Bank Shanghai, labour travel Shanghai is denied in succession, all express to did not undertake adjustment to housing loan interest rate.
Analysis of the personage inside course of study says, this incident explains from flank bank itself runs angle to look from commerce, have relaxation apiration or tendency. Nevertheless, what loosening interest rate policy to cause the market easily currently is excited, bring house price to rise anticipate, accordingly, it is difficult to predict the room inside year shifts policy become loose.
Shanghai room borrows interest rate to reduce invert
On August 9, the message says, labour travel, Agriculture Bank drafts will room of Shanghai head flatlet lends interest rate from 9.5 fold reduce to 9 fold, 2 flatlet borrow interest rate to manage rise of standard interest rate 10% changeless. Once the message is poured out of cause market attention.
Nevertheless, subsequently government of branch of branch of Agriculture Bank Shanghai, labour travel Shanghai is denied in succession reduce a flatlet to lend interest rate. Be versed in head office of branch of travel Shanghai branch, Agriculture Bank Shanghai, Agriculture Bank all expresses, a flatlet of Shanghai shift interest rate policy and did not adjust. That is to say, a flatlet of area of Shanghai of labour travel, Agriculture Bank lend interest rate still according to this before 9.5 fold carry out.
Of gut invert to be considered as by the market by force of public opinion pressure or it is with current estate adjusting control calm attune nots agree with, nevertheless, the signal that mirrors instead is estate policy adjusting control was not loosened. From the point of data, the data of headquarters of Central Bank Shanghai shows, loan of Shanghai individual housing puts in a quantity this year somewhat cut. Loan of this housing of foreign currency individual adds Shanghai newly first half of the year this year twenty-seven billion five hundred and three million yuan, add 91.42 billion yuan less compared to the same period.
In Central Plains real estate Wei of chief analyst magnify looks, countrywide room borrows interest rate to carry out serious disequilibrium, look from different city, before Shanghai restores no matter, still be opposite loan has a flatlet certain discount, and more cities are done not have not only 9.5 fold, very consummate float arrives the level of 20%-30% .
Be in harmony data of loan interest rate shows a 360 monitored flatlet, 533 banks of countrywide were divided in July 2018 () in travel, have 146 banks first carry out rise of standard interest rate 10% , relatively on the month reduces 23; 173 banks carry out rise of standard interest rate first sets 15% , relatively on the month increases 9; 115 banks carry out rise of standard interest rate first sets 20% , relatively on the month reduces 1; 28 banks carry out rise of standard interest rate first sets 25% , relatively on the month increases 3; 25 banks carry out rise of standard interest rate first sets 30% , relatively on the month increases 9. Carry out fiducial rise that month 25% reach above bank to count grow in quantity, additionally 4 bank head cover executive rise 30%-40% .
Bank " do not have bravery purposely "
In fact, the talk that the near future stirs about Fang Daisong is incessant Yu Er. Beijing area ever had appeared to reduce a flatlet to borrow the word of interest rate all right greatly. But have no a bank actually to had undertaken adjustment however. Nevertheless, also bank public figure feels without exception, at present bank respect has the consideration that loosens a room to lend interest rate really, but have no the action in view of superintendency consideration.
In the analysis the personage looks, borrow interest rate to loosen to the room, bank front is faced " do not have bravery purposely " awkward condition. Severe leap forward of chief inspector of research of wisdom warehouse center expresses easy house academy, individual bank itself also may have the outstanding achievement assessment of loan respect, first half of the year loan business finishs bad situation to fall, second half of the year is to be able to have the consideration that reduces interest rate to stimulate portfolio. But to this kind of bank, also be more awkward actually, namely " the house lives to be not fried " still be big policy logic, this moment undertakes policy adjust at will, similar offer a discount, loosen building city to be in charge of the liability that control a bit it seems that, actually so sequel suggests the branch still needs to study the issue of this kind of discount related the bank, shift business to this kind of room for example for, OK to a few difficulty that buy a house the group offers privilege appropriately, and buy the situation such as 2 room of room, 2 illegally buy up, loan 2 times, still carry the interest rate that tighten up appropriately, such meetings are opposite for do not break flexibility in the operation.
In fact, below the condition that loosens in fluidity, the bank has the demand that slackens a room to lend interest rate. Chief researcher Wen Bin represents bank of Chinese the people's livelihood, from the point of the change of the market, the interest rate that mortgaged loan one many year in the past is ceaseless drive up, the financing cost that main reason is a bank rises ceaselessly, put by inferior discount interest rate borrow, to the bank meeting is facing force of the step up on cost. But, since this year, the Central Bank increased market liquidity put in, the capital of the bank is richer still for whole. Fall in the setting of financing cost fall after a rise so, mortgage loan to look from security, accrual, the bank still has the need of configuration.
The room inside year shifts policy still difficult become loose
Shift policy to the room inside year, analysis of the personage inside course of study says, predict short-term inside the whole nation won't appear the circumstance that large area reduces interest rate, what loosening interest rate policy to cause the market easily currently is excited, bring house price to rise anticipate.
360 rooms borrow be in harmony analyst Li Wei thinks, the room inside year borrows the possibility minimum that interest rate shakes, but go up had put delay apparently, the photograph is fiducial to the corresponding period for, eye anteroom borrows average rise to already was achieved 15% , the degree of rise exceeds the history to be worth period high. The main field of the influence has, the business of cost of oriented, capital and bank oneself adjusts policy, among them policy and capital cost hold bigger impact action.
Direct from policy on, wen Bin is analysed, the configuration that the bank borrows money to mortgaging, still want comply with estate policy of macroscopical adjusting control. Estate banking credit is a component of policy of adjusting control of integral estate market only. Overall will tell, estate next direction of adjusting control policy still holds to " the room is used, not be to use those who fry " fixed position, insist to classify guidance, because the city uses strategy. Fall in the fundamental key of policy of estate adjusting control so, of the bank no matter be,mortgage loan be being spent in the forehead still is price respect, still meet first support and safeguard just needed loan.
Huang Zhilong of director of macroscopical economy research center also expresses academy of Su Ning finance further, inside this year, the possibility that the room borrows policy whole to become loose is lesser, from recently spirit of conference of the Political Bureau central looks, the attitude that price of house of central keep within limits rises is very specific, once the room is borrowed,appear become loose, the pressure that increases house price to rise, pressure of adjusting control of your house price is increased.
