Beijing's state owned banks still maintain the first suite personal mortgage interest rate up 5%, and most joint-stock commercial banks are still floating up 10%, unchanged from last year, but some banks have increased to 20% or even higher. At the same time, a number of bank personal mortgage loans also have a tight situation.


Shenzhen has 7 banks to suspend mortgage loans, the first housing loan rate is generally floating 10%, the highest rise of 15%; two suites lending rates generally floating 15%, the highest rise of 20%.


Nanjing, since March 1st, the Agricultural Bank of China has raised 20% of its second hand housing and has been officially implemented. The secondary housing of Nanjing bank has increased by 25%. From March 5th, the secondary housing of ICBC will go up 20%.


The first housing loan rate in Zhengzhou has risen above 20%, and the two suites are generally floating 30%. The highest interest rate of the first suite is up to 30%. Two suites loan interest rate most floating 30%, postal bank, Everbright Bank, Xingye Bank two suites loan interest rate up 35%.


The interest rate of the first suites of some banks in Wuhan was raised again, and the interest rate of two suites was floating 30% the pavilia bay.


The rise of interest rates has both the speed of supervision and the reasons for the banks themselves to guard against financial risks.


The day before the Beijing Banking Bureau of banking financial institutions within its jurisdiction: prudent request the issuance of real estate mortgage and real estate acquisition loans; strictly enforce the concentration ratio regulation, dynamic assessment of collateral value, appropriate to reduce the real estate collateral mortgage rate; follow the merger loan risk management requirements and through the principle of prudent conduct involved in the field of real estate loans for mergers and acquisitions.


And banks, most banks are currently facing financial costs, interest margin narrowed and other aspects of the operating pressure, and in the long term, there is need for traditional interest rate policy, it will ease the bank benchmark interest rate pricing pressure on the profitability of assets; a short-term increase in the benchmark interest rate possibility is smaller, will be considered follow up the situation.



Yan Yuejin, the research director of the center of think-tank of Yi Ju Research Institute, said that the floating interest rate of banks is actually a self regulating market behavior, which is similar to the disguised "raise interest rate". The bank's floating interest rate includes the first suite's loan interest rate. On the one hand, it's actively cooperating with the market regulation and guarding against financial risk policy, and on the other hand, it considers from its own business benefits.