Personal housing mortgage loans by banks has been considered to be high-quality assets, even if the current real estate downturn. However, banks must face is that real estate transactions and the light above the five-year deposit and loan interest rates upside down. How to market share gains and balance between, the banks testing the resilience of the market.
Not only that the big brokerages
"For the first time to buy ordinary housing, owner-occupied and the buyers will be able to enjoy preferential policies that down into two, the rate hit 30. But it must be our high-quality customers." Bank of China account manager in a way, " Our high-quality customer restrictions be about 20 to 30 now. "
A reporter from the intermediary business, where officers learned that the bank's policy is to not only meet the first-time buyers, owner-occupied, the general housing requirements, and the purchase of housing must be below 90 square meters, customers must also be provided for high-quality ICBC Customers. The high-quality customers to meet the conditions for civil servants, including occupational or other stable income, such as career.
"In Shanghai, in line with the above-mentioned bank customers high-quality basic conditions have been home buyers, which means they can enjoy the preferential policies were few and far between." Intermediary of a loan, told reporters. According to his analysis, which reflects the contradictory psychology of state-owned banks: on the one hand, they want to maintain the market share of home loans, mortgages do not want to let customers who have been lured joint-stock banks. On the other hand, spreads narrowed, so that the preferential deposit and loan interest rates upside down again the issue of their considerable distress.
Bank Chief Financial Officer in recognition of Arizona, the banking industry will face interest margin, the issue in the next year could be worse. In Arizona, first of all interest margin was due to central bank interest rates on deposits and loans of adjustment, especially this year, the central bank's interest rates before the two banks of the very significant impact. Later, despite the rate cut is symmetrical, but no change in current interest rates, and in fact continues to increase the bank's cost of capital. Second, the trend of regular deposits to the bank also had a negative impact. If the stock market this year has not improved in the short term this trend will continue. At the same time, the central bank to use price and the number of tools, the central issue of voting cycle length, increase market liquidity. The relaxation of credit control, the bank also reduced the bargaining power.
Bank mortgage interest rates and deposit rates further inversion of the bank reduced the profit margin. October 30 to adjust interest rates after the total, 7 in the discount rate concessions, more than 5-year lending rate to 5.04 percent, the 5-year lending rate to 4.914 percent, were lower than the 5-year deposit interest rate level of 5.13; The 3-year lending rate to 4.725 percent, also lower than the 3-year deposit interest rates 4.77% 4.5 basis points, has been inverted.
In addition to the interests of the major problems so difficult trip to the New Deal mortgage real enthusiasm, there are also real estate intermediary of the view that major banks quietly implementation of the New Deal of the mortgage at any time to adjust, this is not to say that they are only one of the reasons why. In addition, the bank also worried that she's gone to great pains to study details of the mortgage if a clean breast of everything, can be easily replicated by other banks.
Not only that the big brokerages
"For the first time to buy ordinary housing, owner-occupied and the buyers will be able to enjoy preferential policies that down into two, the rate hit 30. But it must be our high-quality customers." Bank of China account manager in a way, " Our high-quality customer restrictions be about 20 to 30 now. "
A reporter from the intermediary business, where officers learned that the bank's policy is to not only meet the first-time buyers, owner-occupied, the general housing requirements, and the purchase of housing must be below 90 square meters, customers must also be provided for high-quality ICBC Customers. The high-quality customers to meet the conditions for civil servants, including occupational or other stable income, such as career.
"In Shanghai, in line with the above-mentioned bank customers high-quality basic conditions have been home buyers, which means they can enjoy the preferential policies were few and far between." Intermediary of a loan, told reporters. According to his analysis, which reflects the contradictory psychology of state-owned banks: on the one hand, they want to maintain the market share of home loans, mortgages do not want to let customers who have been lured joint-stock banks. On the other hand, spreads narrowed, so that the preferential deposit and loan interest rates upside down again the issue of their considerable distress.
Bank Chief Financial Officer in recognition of Arizona, the banking industry will face interest margin, the issue in the next year could be worse. In Arizona, first of all interest margin was due to central bank interest rates on deposits and loans of adjustment, especially this year, the central bank's interest rates before the two banks of the very significant impact. Later, despite the rate cut is symmetrical, but no change in current interest rates, and in fact continues to increase the bank's cost of capital. Second, the trend of regular deposits to the bank also had a negative impact. If the stock market this year has not improved in the short term this trend will continue. At the same time, the central bank to use price and the number of tools, the central issue of voting cycle length, increase market liquidity. The relaxation of credit control, the bank also reduced the bargaining power.
Bank mortgage interest rates and deposit rates further inversion of the bank reduced the profit margin. October 30 to adjust interest rates after the total, 7 in the discount rate concessions, more than 5-year lending rate to 5.04 percent, the 5-year lending rate to 4.914 percent, were lower than the 5-year deposit interest rate level of 5.13; The 3-year lending rate to 4.725 percent, also lower than the 3-year deposit interest rates 4.77% 4.5 basis points, has been inverted.
In addition to the interests of the major problems so difficult trip to the New Deal mortgage real enthusiasm, there are also real estate intermediary of the view that major banks quietly implementation of the New Deal of the mortgage at any time to adjust, this is not to say that they are only one of the reasons why. In addition, the bank also worried that she's gone to great pains to study details of the mortgage if a clean breast of everything, can be easily replicated by other banks.
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