to reduce the monthly payment. "As far as z introduced

Standard Chartered Bank (China) Limited has recently raised some US $ and for customer notification of stock mortgage loan interest rates raised a series of questions and many media reports.　　Since then, other foreign bank raise interest rates to action is heating up. Line the main lending rate of foreign investment is coming to an end? Consumers will also sort of choice? Main capital stocks (1One-twenty fifth) unit fled to cut meat must regret having sudden boom is not likely in a move investors Gospel: hold stocks saved!　　Standard Chartered first interest provoked controversy in SC (China) decided on November 1 a rise in mortgage interest rate decision of the stock one stone wave stirred up Melaleuca. Shenzhen g ladies to the business news of the financial literacy of the reporter that she had received in SC(China) retail banks mortgages on September 23, send notice of the regulation of breathing. Notice refers to "due to changes in market factors, from November 1, 2011 you in our Bank the sum of mortgage rates are adjusted to 7.25% floating cent, to 6.5%. "The other one is from Shenzhen z Lady said in an interview with this newspaper:" in my case, forExample, is the sum of the original loan, 2010 lending rate is 2.8% when you sign a contract in early 2011 per cent to 3.05%, which was raised to 5.8%. "For the regulation of breathing notice z Lady expressed her dissatisfaction with the reporter:" as a financial workers, I also worked in Shenzhen Bank. Even though the macro market money tight priceOn the high side, but foreign currency market is basically stable, the CAC is not high.　　"This reporter learned that, customers on Standard Chartered (China) of the regulation of breathing dissatisfaction, on the one hand is the regulation of breathing rate is too high, another negative is that interest rate uncertainty. Z introduced, and Standard Chartered (China) signed a loan contract agreement, the loan interest rate according to Standard Chartered Bank (China) limited in Hong KongCoin preferential loan rates to fall 2.45% implementation contract loan interest rate of ex gratia payment was 5.25%. Z-Lady said: "on the concessionary lending rate is what defines how calculated, what with the open market such as HIBOR, did not clear in the contract. In the communication process with Standard Chartered Bank Customer Service staff, I want to publish the preferential loansDeveloped basis for interest rates diablo 3 power leveling, was told in the operating secrets.　　"However, Ms z refer to it in the mortgage contract, such a clause," the lender has the right to unilaterally with the market situation or the regulator requires adjustment lending rate from time to time ", z Lady claiming to be a contract only when Standard Chartered cheaper rates, terms were oblivious to this. Standard Chartered in this newspaper interviewSays: "on November 1 make adjustments on the part of foreign currency mortgage interest rate decisions, our bank at the end of September by letter, telephone, text messaging, and other means to inform customers in advance. Our hotline staff to answer questions, provide help and services. Taking into account the individual situation and risk differences on foreign currency loan customers and other factors, to satisfy the condition of our BankVIP customers can apply for a fall in interest rates, can also help customers apply for extension of repayment period (must be in accordance with the relevant provisions of the loan period) to reduce the monthly payment.　　"As far as z introduced, according to Standard Chartered (China) to her new interest rate, her repayment amount is HK $ 12,000 per month from the original rose to more than 20,000 Hong Kong dollars. Foreign currency mortgage rates to develop withoutStandard?　　Z Lady questioned foreign bank lending rates of standard-setting, the ability to get answers? Under the people's Bank of China announcement (2002) section, beginning on March 1, 2002, while foreign currency loans interest rates and gauge junction, by the Chinese and foreign financial institutions according to changes in interest rates diablo 3 gold, as well as the cost of capital in international financial markets, risk differencesEffect of fixed. Standard Chartered (China) also with the Central Bank after notice of the people agree. The officer described: "at the national level, under the Government's relevant policies and guidelines, while foreign currency loans interest rate pricing and adjustment are carried out by various financial institutions according to changes in interest rates in international financial markets, as well as domestic factors such as cost of capital, risk difference on its own, decide. Foreign currency capital cost is one ofAn important consideration, but also combine their air controlled benchmarking, development strategy of commercial bank risk pricing mechanism of the actual situation there is different. At the same time, the composition of capital cost and fluctuation trend of lines because of its emphasis on development and market expectations are different. "Coincidentally, Citibank (China) officials said in an interview with this newspaper:"As customers were applying for mortgages in foreign currencies in different periods, in the territory of original foreign currency loan rates may vary in its application and foreign currency market situation, the cost of capital, loans and other general factors are slightly different. "Banking supervision Department staff also said in an interview with this newspaper:" the Renminbi loans under Central Bank control of different interest rates, foreign currency loans since 2002Has achieved since the month of interest rate marketization. In other words, because of special conditions on foreign currency markets, foreign currency loan pricing is different from overseas, banks can take into account market factors, and internal factors such as the cost increase, at a level entirely by the Bank and customer consultations may be, you can bargain. For example, in Hong Kong, the foreign line of HK Mortgage HIBOR basisFloating in, relatively transparent, but in the Mainland, each foreign rows according to their own costs to set up different interest rates, which may be the cause of this dispute is raised.　　"Foreign currency mortgage market squeeze?　　Banks raise mortgage rates mean foreign currency mortgages in foreign currencies market crunch? Standard Chartered said: "the whole mortgage market policy tightening in the near future, as many merchantsI also tightened mortgage policy. New applications for customers according to the regulations on foreign currency loans, borrowers ' real estate ownership through verification, and real estate registration Department to review the results and the people's bank credit system queries to prevail, reply to loans more strict and meticulous. "Citibank officials also said in an interview with this reporter:" due to foreign exchange controlReasons, domestic sources of foreign currency is limited, continuous rising foreign currency costs within this year, this will continue for some time. Interest rates of our bank foreign currency loans even after the adjustment is still well below the current level of market interest rates on new loans (current level of market interest rates on new loans at around 5.5% per cent). "The official said:" our interest ratesIs to be defined according to customer's specific situation, so not possible to give specific figures.　　"Citibank, the official also revealed, based on a combination of factors such as foreign currency capital market situation, the cost of capital considerations, currently Citibank has been suspended new foreign currency business. DBS Bank (China) private banking Department of real estate mortgages and mortgage-related charge in an interview with this newspaperSaid, "DBS Bank remained, according to the Bank the original established processes, cautious acceptance, approval and issuance of foreign currency and currency of personal housing mortgage loan in order to meet customer demand for reasonable and compliance. "In addition, the official said:" up to now, DBS Bank (China) do not adjust the foreign currency amount of personal housing mortgage interest rates, have not for the time being. "It is understood that theDBS China 22nd foreign currency of personal housing mortgage loan interest rate of 5.25% the dollar do the same and the Hong Kong dollar interest rates. HSBC China, officials said in an interview with this newspaper: "HSBC China foreign currency mortgage, according to the policy and regulatory requirements to comply with terms of purchase of housing loans down minimum required for 30%, mortgage interest rates according to HSBC China developingDollar and the Hong Kong dollar benchmark interest rates may fluctuate, benchmark interest rate for us $ 4%, HK benchmark interest rate 5.5%. "For many foreign lines to strengthen lending to mortgage approval regulation for strength and improve the behavior of interest rates, banking supervision Dept personnel said:" macro market money tight price too high this year, Renminbi wishes residents held foreign currency fell, silverSlow growth in foreign currency deposits, foreign currency liquidity squeeze, external debt indicators for foreign lines lend funding has been exhausted. "