5/6/2017-4

Small and medium-sized banks did not take the opportunity to take the opportunity to take passengers

NEW YORK (Reuters) – A number of large banks have raised interest rates by 0.1 percent this week, but there are still a lot of small and medium banks offering low interest rates. The industry stressed that the bank grab the floor by attitude did not change, called home buyers more than, more inquiries to fight for better interest rates.

BOC Hong Kong (02388) and HSBC and many other large banks have increased their interest rates for real estate for the first half, up from 1.65% last month to 1.75%, discount period expires, many failed to take the low interest rate of the last time the home buyers, Have turned to small and medium-sized banks have not yet raised interest rates. For example, an earlier to more than ten million yuan to buy 3 rooms in Ma On Shan home buyers, originally to the big bank to apply for 5 million yuan loan, originally expected to apply for H plus 1.28%, big banks to raise interest rates immediately after the transfer to fine banks.

Set friends all H plus 1.2%

It is understood that there are still a number of small and medium-sized banks have not followed the big banks to raise interest rates, such as Chiyou Bank is still providing a full H plus 1.2% (real interest rate 1.65%); Fubon, BOC is to provide full H plus 1.3 PCT, and provide high-margin deposit accounts, other concessions temporarily no reduction.

Central Plains mortgage manager Wang Meifeng pointed out that nearly a week is the bank old and new preferential exchange period, the bank rate hike there are first, after this time to apply for floor buyers must be more, it is best to a number of banks Submit the application form, because many times when banks know that competitors are often more likely to award more attractive rates.

Small and medium-sized banks also understand that at this moment is the best time to grab large passenger line, in addition to the temporary rate hike, the individual small and medium-sized banks and even a substantial increase in commission to the estate agent, hope agents can refer to the source. At present, the largest banks refer to the commission of up to 0.3% of the loan amount, but the individual small and medium-sized banks are up to 0.6%, showing that the banks are still actively seize the market.