Fell! Countrywide heat city announces to reduce a room to lend interest rate, much home bank is acting!
According to message of Guangzhou happy house, guangzhou in July head flatlet lends interest rate basic with keep balance last month, but much home bank announces to reduce a room to lend interest rate however:
The interest rate before this is high all the time the bank collecting abundant of look forward to by rise 25% fall consummate float 15% ; Traffic bank by rise 30% fall consummate float 12% ;
2 flatlet borrow interest rate respect, industrial and commercial bank, construction bank and riverside hair bank from rise 20% fall consummate float 15% , 2 do not put borrowed traffic bank to execute rise this month 18% ; The bank that start line of business and room of riverside hair bank lend interest rate lower, loan needs 1-2 week only, whole relatively comfortable.
Must say, environment of whole recently economy appears really change, money and finance policy have big change. Of the near future fall to be mixed definitely fact " lower interest " , add firm end before long standing conference releases the State Council big profit is good, policy of the monetary policy that is current China, finance decides fundamental key.
These a few movements, it is to building city future has very big effect actually.
So, is this the signal that should alleged house price rise again? The respect that do not have stannum meeting follow-up?
We second ah
We interviewed without controller of card of advantageous position of company of Xi Mou house property:
1, we and without stannum each are big the bank has collaboration of housing loan business, interest rate is basic now rise 20% , partial rise 25% , need to consider the factor such as usurer aptitude, room age, area.
2, turn on the water this, I feel the influence is finite, the basic policy of adjusting control still won't change now, total prices of big city house is exorbitant, interest rate float is right the person that buy a house person reimbursement impact is big, citing says: Rise of Beijing interest rate 10% with rise of the interest rate that do not have stannum 10% , the growth of reimbursement is different.
3, house price won't rise greatly, still have me beforehand appraise is not had next interest rate can maintain stannum not to go up already pretty good, specified number of capital of second half of the year is spent more nervous, make loans of most now bank has been close to 45 months left and right sides.
4, loan still is met very close, at least does not have stannum I so think.
1
Fell! Bank of Guangzhou much home reduces a room to lend interest rate, where is follow-up of the meeting that do not have stannum?
According to message of Guangzhou happy house, no matter first still are 2 flatlet borrow interest rate to have the sign that drop actually!
Nevertheless, farming merchant bank lends interest rate first sets with 2 flatlet relatively on the month went up 5% , it is respectively 20% with 25% . And stop the Heng Shengyin that lent two months to go this month continues to stop borrow.
With respect to eye antecedent condition looks, the bank that start line of business and room of riverside hair bank lend interest rate inferior, loan needs 1-2 week only, whole relatively comfortable.
As we have learned, without stannic great majority at present bank head flatlet borrows interest rate head to cover general rise 20% the left and right sides, 2 general rise 25% the left and right sides. At present of short duration does not have the message that reduces about interest rate.
2
Release loose money signal
On July 23, standing conference releases the State Council big profit is good, policy of the monetary policy that is current China, finance decided fundamental key.
Conference key:
1, the report that the conference listened to finance finance to support hypostatic economy to develop further, the requirement maintains macroscopical policy stability, insist to be not done " flood flooding " type strong stimulation, according to fine tuning of preliminary adjustments of phasic change camera, directional adjusting control, had answered external environment uncertainty, maintain economy to move in reasonable interval.
2, finance banking policy should send force in coordination, serve hypostatic economy more effectively, stronger service is macroscopical overall situation.
3, it is active finance policy wants more active. Focusing decreases duty to fall cost, in ensure annual reduces duty of market main body to expend a burden on the foundation of 1.1 trillion yuan of above, increase cost of business research and development plan deduct scale to raise the policy of 75% to expand to all enterprises by science and technology medium and small businesses, the pace calculates annual to be able to reduce tax first 65 billion yuan. To affirmatory already advanced manufacturing industry, contemporary service the value added tax such as course of study stays before touching drawback to return 113 billion yuan when return to be by September, want to be finished basically.
2 it is firm monetary policy wants degree of tightness measurable. The social financing scale that keeps measurable and liquidity are reasonable and ample, policy of dredge money credit conducts a mechanism, had implemented each measure that already came on stage.
3 it is to accelerate national financing to assure fund is contributive reach the designated position, realize 150 thousand to gain support newly every year hard (second) small small company and target of 140 billion yuan of loan.
The State Council was made " directional adjusting control " decision, clear " do not do strong stimulation of flood flooding type " . Should make clear " do not do strong stimulation of flood flooding type " when, mean directional and comfortable began.
When mentioning firm monetary policy, did not allude " neuter " the canal of the business outside meaning a bank to express accuses to may be loosened somewhat.
3
Fall accurate + " lower interest " hind, market general...
Signal one: The Central Bank " lower interest "
On July 23 morning, the Central Bank puts in 502 billion MLF toward the market. Leaving MLF alone first is a what thing, should know this is Central Bank activate only a kind of money puts in a tool to go. This is the sheet with the largest scale of the MLF on the history second put in.
The dollar was entered increase interest period quickly, had added this year cease twice. Second half of the year can be added very likely again cease twice, time may be to will be mixed in September in December.
Until at present, the social financing forehead this year is remained drop. But market money rate has begun to become loose, this the Central Bank carries fiscal capital time deposit, delivered again " lower interest " signal, it is good to make remarkable profit to city of hypostatic economy, stock market, building.
Signal 2: Directional lower interest
On July 17 morning, guo Shuqing of secretary of Party committee of the silver-colored conference that keep watch, chairman takes China the team arrives head office of Bank of China, held " dredge monetary policy conducts a mechanism to had done financing of industry of He Xiaowei of civilian battalion enterprise to serve an informal discussion " .
Put forward clearly " directional lower interest " , the Central Bank before this also has put forward.
Anyhow, "Center Mom " in caress economy with all one's strength, it is good that calm dot releases benefit to hypostatic economy.
