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近期,关于存量房贷7折利率将取消的消息甚嚣尘上,引起市场普遍关注。工、农、中、建四大国有商业银行表示,四大行总行暂未取消存量房贷7折利率,是否会取消7折优惠还得依据当时签订的房贷合同。今年以来,银行流动性压力加剧,各家银行都面临信贷资源配置的考验。不少人担心银行可能会收缩个贷,不仅提高个人住房贷款门槛,而且调整存量房贷利率优惠。
Recently, the information on the deposit interest rate of 7% off will be canceled, causing widespread concern in the market. The four state-owned commercial banks, including the workers, peasants, farmers and senior citizens, said that the four major bankers have yet to cancel the 7-fold interest rate on their mortgages and will cancel the 30% discount on the mortgage contracts signed at that time. Since the beginning of this year, the liquidity pressure on banks has intensified. Banks are facing the challenge of allocating credit resources. Many people worry that the bank may shrink a loan, not only to raise the threshold of individual housing loans, but also to adjust the stock mortgage interest rate concessions.