When center trip and silver prison will be issued about" the reinforced notice of the credit management of commercial nature of real estate", having room loan business the bank of foreign capital of development has begun to raise second suite head to pay standard and loan interest rate , but many reasons cause actual operation is not identical each. In which, spend flag and dregs to hit with individual, it is unit; The bank of East Asia is unit basically with household; Remit is plentiful and undetermined
Spend flag and dregs to hit with
The network edition special draft / magazine of " finance and economics " practice reporter Shen Hu 銆?when the meeting room loan of center trip and silver prison new Zheng one month afterwards, the bank of foreign capital does not still enact " unify second suite " to believe standard.
" colored flag and dregs dozen is taking individual as unit to believe second suite , relative, loosen somewhat. Before unifying to believe that standard is issued , we incline still in the standard with more strict more conducted comparison , are unit with household. " the bank vice-president of East Asia simultaneously Shanghai branch president Zhang Wei En October 29 for " finance and economics " expression. Now, the bank of East Asia believes second suite basically with household for unit, but for some high quality customers, this trip can also give loose space.
September 27, center trip and silver prison can issue " the notice about strengthening the credit management of commercial nature of real estate", each commercial bank of requirement will second suite room loan head pays standard raising to do not be lower than 40%, and raise loan interest rate to the same period with the 1.1 times of class standard interest rate.
When notice is issued , each commercial bank that has developed room loan business ,including the bank of foreign capital have begun to raise second suite head to pay standard and loan interest rate. But many reasons the actual operation that makes the bank of foreign capital is not identical each, have arisen confusion.
Zhang Wei En expresses that the bank of foreign capital just gets approval beginning from April of this year to develop room loan business in China, business scale is still little, therefore influence will not be great. The bank of East Asia believe that standard will be kept up with to the condition of the most of banks.
But so far, market goes up have
Remiting plentiful bank personage also express that this bank has not also determined a conducted standard. " notice enacts afterwards, remit plentiful have begun to carry out. But make clear standard in center trip before, remit plentiful will not enact own conducted detailed rules and regulations temporarily. "
This personage at the same time shows , Shanghai bank same field public meeting has convened in last week Hu last each commercial bank discusses , do not arise the condition of room loan market confusion before hoping to make clear second suite in center trip to believe standard. But refering to actual condition, the operation of the commercial bank of foreign capital has arisen divergence.
" the meeting of center trip and silver prison has not enacted lately to believe standard specifically, may be because the condition of current every place is different, the more operating comparison on market is disorderly. They may arise more a comparison on wait market, consider to believe this kind of operating standard again after the operation of mainstream. " a bank of foreign capital is high is in charge of for " finance and economics " comment road.
Remit plentiful bank personage to at the same time show, the bank of foreign capital when conducted room loan new Zheng go up still have another difficulty: Since the bank of foreign capital has not joined center trip to solicit letter system , this makes the bank of foreign capital lack technical support in the aspect of believing second cover.
" we are applying for joining center trip solicit
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