Long vacation first day, financing area comprehensive tight
The Beijing news dispatch (reporter SuManLi) according to media reports part of the bank improve personal loan interest rate, the reporter learned yesterday, at present Beijing area personal mortgage rates generally in the benchmark interest rate rise 10% - 30%, the price to carry out already for a long time, the recent price not now.
However, bankers also said, due to the end of the year market and bank credit nervous signal representation, do not eliminate price may.
Personal loan not obvious rise in price
Reporters call yesterday, the construction bank, agriculture bank, icbc, China merchants bank and other Banks have to know, for individual mortgage loan, the bank generally in the benchmark interest rate reference a separation.
To decorate loan as an example, the bank of China and icbc, construction bank and state-owned bank interest rates rise 10% - 15%, China merchants bank, minsheng bank, such as the stock rise 20% - 30%. "Funds nervous when mortgage rates rise 15%, partial loose will rise 10%, had been so, policy does not change." Icbc personal loan manager said.
In addition, personal loan another major business, individual housing mortgage loan interest rate policy has not changed. Icbc, agriculture bank still can minimum hit 85 fold, bank of China and China merchants bank is the lowest discount of.
Bank sources, and the end of September, the supervisor has to control the speed and amount of all loans, which directly lead to the end of September part of the bank no money loanable, part of September projects and loan plans to move in October.
Bankers said that every year in the fourth quarter of the funds are partial tension, impact deposit-loan ratio time has become the main bank work, to "XiChu" ability is weak Banks, shrinkage loan becomes inevitable.
This personage expresses, in the fourth quarter, bank credit limit will be more nervous, the Banks or will continue to rise the first suite loans, and other personal consumer loan programs interest rates. There has been a recent Suggestions for consumer loan plans to customers, to enjoy the future is still relatively low interest rates bid for the business as soon as possible.
Financing area comprehensive tight
Late September, the central bank through the day will be put on the amount of capital financing area control in a relatively loose level.
After the long vacation first day, financing area comprehensive tight. Yesterday, in addition to nine months of the time limit, the other term of the inter-bank lending interest rate rise in full. The short-term fund demand is particularly urgent, 14 days period lending interest rate rise by 64.34 percentage points to 4%, the overnight call rate rise by 43.92 percentage points to 3.7192%.
Bank of Australia in the greater China region LiuLiGang research director, said the ten month there will be 650 billion yuan jillion reverse repurchase expires, at the same time because of the season LAN storage lead to the end of the month the bank deposit base growth, the commercial Banks' reserve requirements after payment pressure not small, the central bank or will soon drop quasi.