Of financial industry " Qian Huang " the influence that incident makes bank financing in short supply is conducted stage by stage to real-estate industry. Yesterday, estate of Shanghai late stock market board piece serve with finance board piece drop greatly send point to heavy defeat, reveal the market to shake to building town hope.
The reporter ivancouver to harrison hot springsnvestigates know, partial bank already cancelled 85 lose privilege of the interest rate that buy a house, but room of a few large and state-owned banks borrows policy to be maintained temporarily in interest rate level chthe most popular selling norton internet antivirusangeless. The personage inside course of study is analysed, the bank tightens up interest rate of the loan that buy a housharrison hot spring public poole generally to will make second half of the year develops the sale of business to face a challenge, each room look forward to will be adjusted on sale strategy, consider money is tightened up suddenly, business of a few development will be adopted " cash is king " practice, adjust sale strategy, accelerate sale plan.
The bank is put borrow examine and verify than before stricterspring pool
Room of the application that buy anorton internet antivirus house borrows a course guaranty, examine and approve wait for flow to need a month mostly, inspect what circumstance of individual of the person that buy a house undertakes time go up to adjust, and early before two weeks can be finished.
Yesterday, reporter phone connects a line bank of Bank of China, transportation, industrial and commercial bank, agriculture bank, Shanghai bank, Pu Fayin is bank of travel, construction, medium the service hot line that believes 10 banks such as the bank. Bank of the letter in be being reached except the Bank of China expresses to keep standard interest rate at present, other of short duration did not suffer affect. In 4 big state-owned banks, the Bank of China cancels a flatlet this to borrow interest rate privilege, and when the reporter seeks advice by March, this still can offer a privilege of flatlet interest rate.
According to divulging, near future of letter bank head office asks in, all city subsidiary bank outside dividing Beijing, Shanghai prohibits extending standard interest rate is the following head flatlet buys a room to borrow money, shanghai branch last week 5 also release relevant document, cancel the privilege of 85 interest rate of the loan that buy a house that lose in the round. Now, if the client of Shanghai, Beijing is conceivable the 85 interest rate buying a house that change are exclusive the way is to become honoured guest of bank conduct financial transactions, month of bank of the letter in needing to be in all deposits money amount to 500 thousand yuan of above. Personnel of customer service of Bank of China tells a reporter, at present in travel head flatlet borrows interest rate to restore to come standard interest rate.
In addition, the bank is put borrow examine and verify than before stricter. Reporter discovery, agricultural bank room is borrowed examine and approve to whether offer 85 fold privilege to already distinguished somewhat, the staff member expresses: "Favourable, it is with individual aptitude accurate. " bank of Shanghai farming merchant borrows to putting head pay a requirement, from before 3 into head pay rise to 4 into head pay. Each bank clerk still expresses to the reporter, room of application of cash purchase room borrows a course guaranty, examine and approve wait for flow to need a month mostly, inspect what circumstance of individual of the person that buy a house undertakes time go up to adjust, and early before two weeks can be finished. Among them, staff member of Bank of China expresses, the room is borrowed examine and approve flow the 6 longest month, the shortest time needs to be decided according to individual circumstance. Riverside sends bank clerk to express, borrow to the room from application fast criterion 3 weeks, slow a 5-6 week, the staff member of bank of Shanghai farming merchant also discloses, examine and approve flow the fastest a month. In addition, be in bank of wide hair, Shanghai, the reporter understands, loan examines and approve speed ambiguous, the ability after particular case evaluates the person that all need a basis to buy a house is affirmatory.
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Consider money is tightened up suddenly, business of a few development will reassume " cash is king " practice, adjust sale strategy, accelerate sale plan.
Because real-estate industry serves as capital concentrated model industry, liquidity of market of apparent be enslaved to be enslaved to, once bank financing becomes close, its influence will naturally be conducted to real-estate industry, because be tightened after the pine before bank financing all along, specified amount of loan of second half of the year spends can progressively hasten to tighten, plus " Qian Huang " suspicion in one's mind, to development business, be sure to affect demand of estate market second half of the year.
Shanghai resides analysis of academy researcher severe leap forward easily to point out, "Qian Huang " result from hot money withdraws below building city adjusting control, and market of banthe most popular norton internet antivirusk a person of same business is detachable the shortage that borrows fund. This to building city may not it is evildoing. Past credit fund is cast to building city, utilization rate is not high, aggravate foamy is formed. "Qian Huang " conduce to building city reshuffle and industry weigh model. Look in its, traditional bank credit pattern will become slashing, room look forward to " curvilinear financing " method hopeful gets innovating. In the meantime, sell off project company, parent company to be offerred for subsidiary assure wait for an amount to will increase. Land market is in the heat of second half of the year, or because of capital insecurity drop in temperature somewhat. On the quantity, land market can cater to new-style town to change continue outspread. But go up in the dimensions that take the land and administrative levels, include look forward to of degree of competition of sell one's own things of rate of price of gold of land sell one's own things, excessive, land, room to take the land high-key attitude, will somewhat convergent. But its say frankly, of large house look forward to depreciate the space should not give too much period make, because its have better financing,channel is mixed bear force. In little room look forward to or form because of capital pressure to depreciate wet.
"Central Bank policy still needs farther observatfree watch caseion, can not decide second half of the year is the phase that free modern dining chairstighten up this year, insecurity of company capital area still cannot leave final conclusion. " with plan further analysis points out Zhang Hongwei of chief inspector of advisory research center, if want to make enterprise fast move rate to return the situation with the relatively tight 2012 fluidity of the 3rd quarter again, the policy that Central Bank fluidity tightens up continuously also needs to last at least 6 months influence time, crossed market of these 6 months to transfer period, area of development business capital just may appear nervous problem, just can have at the appointed time depreciate run the quantity, phenomenon that trades a volume with valence. But also not be all development business can choose to wait for 6 months again. Sea of the Song Dynasty shows general manager of limited company of Shanghai Pan Gu esthe best selling watch casestate, estate is capital concentrated model industry, "Qian Huang " the loan dimensions that can affect a bank and speed, the project development that includes to develop business is borrowed and the room of the client that buy a house is borrowed. Real estate board piece what the defeat below whole indicates the market and development business namely is anxious. Consider money is tightened up suddenly, business of a few development will reassume " cash is king " practice, adjust the strategy of the sale, accelerate sale plan.
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