Beijing, oct. 9 (financial channel AnLiMin) since long ago, the market rumors several Banks have began to raise individual consumer loan interest rate, bank loans to tighten trend obvious. Beijing financial channel access to icbc, construction bank, as well as the bank's official website, and telephone counseling bank customer service understands, at present each big bank still execute benchmark interest rate, and not for personal consumption loans implementation interest rate rise.
Market rumors floating bank personal consumption credit rates
From the preganglionic started, the market rumors several Banks have began to raise individual consumer loan interest rates, Banks to tighten lending trend obvious. Media reports say the current many Banks have comprehensive cancel the first suite loan interest rate discount, Banks tightening is not only a mortgage and car loans, personal housing decoration loan, personal consumer durables loans and a series of personal consumer loan programs. Icbc, construction bank and state-owned shareholding commercial bank has personal consumer lending rates generally rise 10% to 15%, the joint-stock Banks is mostly rise 20% to 30%. Minsheng bank a branch staff introduces, at present used in business class loans generally to rise 30% to 40% range.
A message, immediately started the vast number of consumers eager concern. To this, Beijing financial channel specially refer to industry, agriculture, building, and the people's livelihood bank's official website and found that at present the Banks the execution of personal loan interest rate completely consistent.
From the bank's official website display personal loan interest rate standards, the icbc, construction bank, the people's livelihood Banks such as the execution of personal loan interest rate standard, it is since July 6, years since the fifth adjust interest rates since execution of the new standard. Among them, the short-term loans within six months loan interest rate is 5.60%; Long-term 1 to 3 years loan interest rate is 6.15%; 3 to 5 years loan interest rate is 6.40%. A adjustment before interest rates did not rise, but have 0.25% of cut.
Bank service: has not received notice of floating interest rate
For ascents personal consumption loan interest rate news, Beijing financial channel on the dial Banks customer telephone consultation, each bank customer service staff, said Beijing area have not received related notice.
Icbc the personnel of the service said, at present the icbc personal consumption loans in full accordance with the bank benchmark interest rate on. To loan time limit for 1 to 3 years of personal housing decoration loan, for example, icbc current loan interest rate is 6.15%, the adjustment before the 6.4% cut by 0.25%. Icbc customer service also said that in icbc's loan words in car, the longest loanable period for 5 years, the loan interest rate is 6.4%, the adjustment of the same before 6.65% cut by 0.25%.
Minsheng bank customer service staff also said, personal consumer lending rates implementation each district is different, the Beijing area temporary not received notice of raised. At present, the minsheng bank in Beijing area personal consumption loans still execute benchmark interest rate, in principle, won't rise or fall. In addition, the influence of the car consumption loans, the personnel of the service said, minsheng bank at present mainly carried out is the housing mortgage loan business, in principle not to consumer credit business in the car.
When a financial channel try to make construction bank customer telephone consultation, construction bank customer gave some personal loan business consultation telephone, the results a phone is busy for a long time, and the other a phone call is always no one answer.
Accounts: if interest rates rise 30% per month and will be more consumers still hundreds of yuan
As we have learned, at present has already entered the fourth quarter, rushed at deposit-loan ratio have become the main work of commercial Banks, to "XiChu" ability is weak Banks, shrinkage loan becomes inevitable.
In addition, the end of the year is approaching, big enterprise to the need for the funds decreased, and need capital enterprise risk and relatively high, the bank if again as usual by large enterprise loan earnings will have greater risk, so many Banks have upside risk smaller consumer loans, consumer loans with high profit cover large high risk of loans.
Once the consumer loan interest rates rise, will increase the consumer loan pressure. The car loans, for example, now the Banks car loan interest rate is generally according to 6.4% of the annual interest rate standard.
In order to buy a car price for 140000 yuan family car as an example, the consumer down 30%, 3 years loan maturities, calculate down monthly payments to 3100 yuan, if interest rates rise 30% or so, it will lead to consumer spending more than a month will be 200 yuan. (Beijing financial channel)