Li Qiang

reported this year despite the central bank has been raising interest rates five times, but nothing to alleviate the market’s interest rates expected to continue climbing. Affected by this, related to the bank forecast that by the end of the year, Shanghai’s fixed-rate mortgages will continue over the past two months since the market demand. The earliest start-up of fixed-rate mortgages Everbright Bank Shanghai Branch yesterday revealed that, as of now, the bank fixed-rate mortgages (general housing +商用房) loans for more than 1.2 billion, a net increase of nearly ten times more than the beginning of the year.

2004 to date 10 years of the last three years, the central bank has raised interest rates nine times this year on raising interest rates five times. “The magnitude of interest rate rises is clearly less than market expectations. “Banks are judged lending rate is expected to rise again in future will continue to diffuse in the market.

This will undoubtedly have to circumvent the interest rate risk of fixed rate mortgages to obtain large development space. Each interest rate increase after the Bank of Shanghai will have fixed-rate mortgage interest rates rise, but the adjustment is not large, relatively floating mortgage, fixed-rate mortgage price advantage has now come out, especially商用房fixed-rate loans, the banks pricing even with low-grade loans floating nearly a percentage point.

According to the Shanghai Branch of Everbright Bank revealed that this year before the end of May, the bank balance of fixed-rate mortgages also only 2 million yuan, and since June, fixed-rate mortgages sudden increase in the volume of business applications. Among them, a considerable part of the business is the public through Real Estate Agents take the initiative to their doorsteps.

in Shanghai of China Merchants Bank, China Construction Bank, Agricultural Bank and other banks also reflects the fixed-rate mortgages were quickly add the volume of the recent growth, the balance of the beginning of the year at least 50 percent growth. Believe that the rate hike will further stimulate demand.

However, from the cost considerations, each rate hike, banks will normally be a corresponding rate of increase in fixed-rate mortgage rates. Yesterday, the Shanghai bank said that the new fixed-rate mortgage interest rate table will be the fastest out of this week will, during this period, some banks have been suspended放定approved mortgage interest rates. Relevant bank said that although the bank will not in determining the admissibility of mortgage interest, but interest rates will inevitably increase if people take the prime rate想抢the “last train”, is unlikely.

in the interest rate increase after the “family home” actual loans expenditures have significantly increased mortgage costs consumers face enormous cumulative risks.

Under such circumstances, two years ago, consumer loans, ahead of the wishes of the repayment will be enhanced with more rate hikes, banks have to judge the end of this year there will certainly be a strong advance repayment boom.

加息或再引爆了坚实的银行xx余额增长百分之五十年初 黎七盎

报告，尽管今年央行已加息5次，但xx而已，以缓解市场的利率预计将继续上升。受此影响，相关银行预测，到今年年底，上海的住房抵押xx固定利率将继续在过去两个月以来，市场的需求。最早开办抵押xx固定利率的光大银行上海分行昨日透露，截至目前，银行住房抵押xx固定利率（普通住房+商用房）xx120多亿美元，净增加近10倍以上比年初。

2004年至今10年，过去三年来，央行已加息9次，今年加息5次。 “的加息幅度的明显低于市场预期。 ”银行判断xx利率预计将再次上升在未来将继续在市场中弥漫。

这无疑将有规避利率风险的固定利率抵押xx以获得大的发展空间。每加息后，上海银行将固定利率抵押xx利率上升，但调整幅度并不大，相对浮动抵押xx，固定利率抵押xx的价格优势现在已经出来，特别是商用房固定利率xx，银行的定价甚至低档xx浮动近一个百分点。

根据上海分行的光大银行透露，今年5月底之前，该银行存款余额的住房抵押xx固定利率也只有2万元， 6月以来，住房抵押xx固定利率突然增加的数量业务应用。其中，相当大一部分业务是公众通过房产中介主动上门的。

在上海的中国招商银行，中国建设银行，农业银行和其他银行也反映了住房抵押xx固定利率的快速添加量最近增长，余额比年初至少有百分之五十的增长。认为加息将进一步刺激需求。

然而，从成本考虑，每加息，银行通常会相应的增长速度在固定利率抵押xx利率。昨天，上海银行表示，新的固定利率抵押xx利率表最快将在本星期将在此期间，一些银行已暂停放定批准的抵押xx利率。有关银行表示，虽然央行不会在确定受理按揭利息，但利率将不可避免地增加，如果人们采取的{zy}惠利率想抢的“末班车” ，是不太可能的。

在加息后的“家庭”的实际xx支出已显着增加消费者的按揭xx面临着巨大的成本累积风险。

在这种情况下，两年前，消费xx，未来的愿望将得到加强还款有更多加息，银行判断今年年底肯定会有一个强有力推动还款热潮。