"Six fifty cents bought wool sales" are a result of difficult labor details of the mortgage

【the central bank to print a new mortgage policy has been implemented for more than a week, at present, only the Agricultural Bank China Everbright, the Bank announced a new mortgage to the specific details of other commercial banks are still in a "cautious wait-and-see". However, the mortgage bank deposits caused by the New Deal, upside down lending rates, commercial banks make it difficult in a short period of time out details of the mortgage.

Some experts believe that the central bank on the 3rd night out "for commercial bank credit is no longer planning to be hard-bound" policy, combined with lower interest rates on deposits last week's "feel good", commercial bank loans will be introduced to provide details of the loose " Environment. "

ABC paid trip to start the implementation of the New Deal in Xi'an

Following the introduction of the Agricultural Bank of first mortgage details of the new deal, Everbright Bank has also started to release specific details, contact the reporters yesterday Everbright Bank branch in Xi'an, the answer is to be made public although the specific details, but also details of the revised , Xi'an and have yet to implement.

However, the Xi'an Branch of the Bank of Communications has already begun implementation of the new mortgage regulations.

Yesterday afternoon, reporters the identity of the customer advisory business department of Xi'an Bank loan department, a staff member said: "The bank is currently on the purchase of housing units in the first customers to implement the 20% down payment, low interest rates can hit 30. However, based on the specific circumstances of a comprehensive study to determine after. Line to pay for the original mortgage customers, specifically how to adjust interest rates, yet receive the documents. "

Later, reporters from the Industrial and Commercial Bank of Shaanxi Province branch of a loan, the Bank of China Shaanxi Branch of the Publicity Bureau, the Construction Bank customer service staff, Xi'an Branch Office of the China Merchants Bank, Minsheng Bank Xi'an Branch of the Department of loan-to-understand, the Housing Bank New Deal of the specific details of the loan is still under development, there is no timetable for the time being.

"Mao bought six, fifty cents to sell" a money-losing business

Bank loans have been the implementation of the New Deal more than a week, with the exception of the Agricultural Bank and the Bank, other commercial banks, why not use the detailed rules of the New Deal put it?

A commercial bank branch in Xi'an persons connected with the said loans from the Bank of New Deal of the guidance can be seen such a strange phenomenon from the central bank to adjust interest rates just to see, more than 5-year benchmark lending rate to 7.20 percent, to buy 7 folding room to enjoy the actual rate of 5.04 percent, while the most recent 5-year time deposit interest rates have reached 5.13 percent, a difference of 0.9 percentage points. Although this last adjustment of interest rates before the lower interest rate, but still higher than the same period of deposit interest rate loan interest rate inversion of the problem. This is a commercial bank, the loans obtained by issuing long-term interest income, can not absorb the long-term deposits offset by interest payments, has become a "six-bought hair, fifty cents to sell" a money-losing business.

Another reason is that the central bank in the mortgage mentioned in the New Deal "to improve the self-ordinary housing" and what is "to improve the self-ordinary housing"? The concept was too broad and difficult to implement.

Developers hope that the rules promulgated as soon as possible

As most of the commercial bank loans of the specific details of the uncertainty, not only for the bank's mortgage business had an impact, which has also affected the capital returns of real estate developers. "The recent housing volume is low, they are not the problem it is clear that if the volume amplification, the developers have to return the funds, and the bank's lending policies but not get specific, then the developer may worry the . "Qi Yu, general manager of Mr. Hi-Tech Property not think so.

A commercial bank loans in charge of staff, told reporters: "In fact, we are very anxious, not down specific policies, we can only here because business can not do."

Bank loans are expected to adopt rules

"Last week the central bank to cut interest rates, so that bank interest 'upside down' to narrow. 3, the night of the central bank 'no longer commercial bank credit to the hard-bound planning' policy so as to enable banks to lend with greater space. In addition, together with the Agricultural Bank, Everbright, the Bank announced the details of the mortgage and other major commercial banks, mortgage specific details of the launch is expected in the near future. "Commercial banks, a senior this forecast," coupled with the gradual relaxation of the current monetary policy, the major commercial banks to lend This week is expected to rule out one after another. "