7月10日，合肥徽商银行接到“首套房85折优惠”的口头通知，正式文件尚未下发，业内恐其夭折。

July 10,，Hefei hui merchants bank received“The first suite 85 discount”Verbally notify the，Official documents have not been issued，The industry fears the die young。

徽商银行接到85折口头通知 建议购房者暂时别申贷 Hui merchants bank received 85 fold verbally notify suggested homebuyers temporarily don't "lend

　　“85折利率优惠是上级银行口头告诉我们的，所以我们立刻就把这个好消息告诉了合作客户，但是正式文件还没有下来。”徽商银行黄山路支行个贷部负责人说。

“85 discount rates to the preferential bank oral tell us，So we immediately took the news to tell the customers，But the official document also don't come down。”Hui merchants bank huangshan mountain road branch GeDai department chief said。

　　随后，本站有走访了合肥其它家徽商银行支行，各家银行都只接到了口头通知，而正式文件均为收到。

then，This site has visited other home hui merchants bank branch of hefei，Banks are only received oral announcement，And formal documents are in order to receive。

　　“现在可以上报，但是能不能批得下来就难说了！毕竟正式文件还没有下发。”徽商银行合肥南七支行个贷部负责人说，她还建议：“广大申请贷款的购房者可以耐心的再等等，等到正式文件下达后再申请也不迟。”

“Can now report，But can you batch down is difficult to say！After all official documents have not distributed。”Hui merchants bank hefei south GeDai department chief to seven branch said，She also suggests：“The person that buy a house can apply for loans of the patience to wait，Wait until the official document issued after the application is not late。”

　　随后，本站有走访了其它银行。目前，中国银行(601988,股吧)、建设银行(601939,股吧)、农业银行(601288,股吧)、工商银行(601398,股吧)、交通银行(601328,股吧)、招商银行(600036,股吧)、光大银行(601818,股吧)、兴业银行(601166,股吧)、浦发银行(600000,股吧)等首套房仍执行的为基准利率。

then，This site has visited other Banks。At present，The bank of China(601988,Shares it)、Construction bank(601939,Shares it)、Agricultural bank(601288,Shares it)、Industry and commerce bank(601398,Shares it)、Traffic bank(601328,Shares it)、China merchants bank(600036,Shares it)、Everbright bank(601818,Shares it)、Industrial bank(601166,Shares it)、Shanghai pudong development bank(600000,Shares it)And the execution of the first suite still for benchmark rates。

　　“目前仍是基准利率，没有接到任何通知，也没有听到任何优惠的风声。”招商银行合肥分行个贷部负责人说。

“At present is still the benchmark rates，Did not receive any notice，Also didn't hear any preferential rumor。”China merchants bank hefei branch GeDai department chief said。

　　与此同时，中国银行合肥分行个贷部主管也表示：“在利差缩小的情况下，国有银行下调是有一定难度的，近日不会有利率优惠的可能性。”

At the same time，Hefei branch of bank of China GeDai competent also said：“In the narrow interest spread，State-owned Banks cut is has the certain difficulty，Recently won't have the possibility of favorable interest rate。”

业内专家担忧“利率85折”恐夭折 Industry experts worry“Interest rate is 85 off”Could die young

　　7月6日起，央行再度下调金融机构人民币存贷款基准利率。金融机构一年期存款基准利率下调0.25个百分点，一年期贷款基准利率下调0.31个百分点。

On 6 July, the，The central bank has cut financial organ renminbi benchmark interest rates。Financial institutions the 1-year benchmark deposit rate 0.25%，The benchmark one-year lending rate by 0.31%。

　　值得注意的是，央行在本次降息的同时，提到“个人住房贷款利率浮动区间不作调整，金融机构要继续严格执行差别化的各项住房信贷政策，继续抑制投机投资性购房。”

Note the，Central Banks cut interest rates in the at the same time，mentioned“Personal housing loan interest rate floating interval is not made adjust，Financial institutions should continue to strictly carry out the policy of differentiation housing credit，Continue to restrain speculative investment the house。”

　　事实上，徽商银行接到“首套房利率85折优惠”的口头通知已不是首例。早在今年4月中旬，交通银行就针对个别储户提出了“首套房贷利率首年可享85折”的优惠措施，而执行了仅仅一周便夭折，再次回调至基准利率。

In fact，Hui merchants bank received“The first suite 85 interest rates discount”The oral announcement has not's first。As early as in mid April this year，Bank of communications for individual savers presented“The first set of mortgage interest rates in the first to enjoy 85 fold”Preferential measures，And carried out just one week will die young，Once again the callback to benchmark rates。

　　早在7月5日央行降息时，合肥学院房地产研究所副所长凌斌就表示：“此次下调特意重申了差别化住房信贷政策和抑制投机投资购房，表明国家限购、限贷的宏观调控政策不会改变。因此，利率优惠不会再有。”

Earlier in July 5, when the central bank cut interest rates，Institute of hefei real estate, deputy director of institute LingBin says：“The cut have reiterated differentiation housing credit policy and curb speculative investment the house，Shows that countries 限购、Credit limit the macroeconomic regulation and control policy would not change。so，No more favorable interest rate。”

　　安徽大学金融系教授徐亚平表示：“目前，贷款利率幅度调整大于存款利率调整，银行收益空间将进一步缩窄。在当前市场回暖，银行贷款额度快速释放的时期，银行继续保持打折意愿不会很强烈。究竟85折利率能不能施行下去？要看接下来银行的贷款规模。”（三六五地产家居网 张月）

Anhui university professor of finance society (afs XuYaPing said：“At present，Loan interest rate adjustment range than deposit interest rate adjustment，Bank earnings space will further erode。In the current market buoyancy，Bank loans fast release period，Banks continue to keep the discount will not very strong。85 discount rates can actually execute it？To see the next bank loan scale。”（The 365 real estate home JuWang a monthly）