合肥徽商银行首套房贷款85折利率优惠执行已有半个月，由于额度有限，门槛也有所提高，购房者纷纷坦言不再指望利率优惠。[合肥徽商银行首套房85折落地 40万房贷月供省200多元>>>]

Hefei huizhou merchants bank first suite loans 85 discount interest rate preferential execution for half a month，Due to the limited amount of，It also improved threshold，The person that buy a house have said no longer expect interest rate preferential。[hefei huizhou merchants bank first suite 85 fold be born 400000 mortgage the month for the province 200 multivariate>>>]

首套房贷85折？首付需多付几成，还需是纯商贷! The first set of housing 85 fold？Down to pay a few into，Still need to is pure business credit!

　　近日，有关“徽商首套房利率85折将在8月夭折”的消息传的沸沸扬扬。对此，本站走访了徽商银行合肥分行了解到，徽商银行依旧执行首套房85折利率优惠，只不过条件比先前苛刻了些。

recently，relevant“The first suite rate of huizhou merchants in August 85 the purest and die”The news of the bubbling with noise。this，This site visited hefei huizhou merchants bank branch to know，Huizhou merchants bank still perform the first suite 85 fold preferential interest rates，Just conditions than previously demanding some。

　　“目前我们仍然执行首套房85折的利率优惠，但是申请条件是非常苛刻的。购买楼盘不仅要是和我们有合作的楼盘，而且必须是纯商业贷款。此外，如果多付几成首付，批下来的几率会大些。”徽商银行合肥分行个贷部负责人说。

“At present, we still perform the first suite 85 fold preferential interest rates，But the application requirements are very harsh。Buy building not only if and we have cooperation building，And it must be a pure commercial loan。In addition，If pay a few into down，Batch down likely to some。”Huizhou merchants bank hefei branch GeDai department person in charge said。

　　“从文件下来到现在，已经受理了百余笔首套房85折利率的贷款，相比之下，现房和尾盘申请下来的几率比较大些。”徽商银行南七支行个贷部张经理向本站透露。

“From the document down till now，Has been accepted the pen first suite 85 discount interest rate loans，Compared with，A house and tail plate application down chance to larger。”Huizhou merchants bank south seven sub-branches GeDai department manager zhang to the site has revealed。

　　此外，还需满足：无不良贷款记录，申请客户不能有父母共同还款是基本前提，目前只有合肥市户口或有合肥一年以上社保客户才能申请，未满22周岁的客户必须要提供流水账号。只有这些条件都满足，客户才能提交申请资料。

In addition，Still need to meet：No bad loan records，Apply for the customer can't have parents common reimbursement is the basic premise，At present only hefei account or have hefei above one year social security customers can apply for，Less than 22 years old customers must provide water account。Only these conditions are meet，Customers can submit the application material。

其它家银行 难全面铺开 Other Banks difficult to spread to open completely

　　对于徽商银行执行了长达半个月的首套房85这利率优惠，其它家银行却丝毫没有任何动静。就连此前接到了总行“首套房85这利率优惠”通知的兴业银行(601166,股吧)也是杳无音讯。

For bank of huizhou merchants carried out for half a month of the first suite 85 this interest rate preferential，Other Banks but no any movement。Even after received the head office“The first suite 85 this interest rate preferential”Notice of societe generale(601166,guba)Is no sign of。

　　“总行下发文件是事实，但是具体的执行还是根据各个分行的收益情况。目前，我行将把工作的重点放在小微企业的贷款上，房贷优惠应该暂时不会有新的政策。”兴业银行个贷部曹主任说。

“Head office issued documents is a fact，But the specific performance or according to the income of each branch。At present，I will put the key in the small enterprise loan，Mortgage preferential should temporarily won't have the new policy。”Societe generale GeDai department director cao said。

　　与此同时，中、农、工、建四大行及其它家股份制银行也都依旧执行首套房贷基准利率，并一致表示：首套房贷款利率优惠难以全面铺开。

meanwhile，in、agriculture、work、To build four line and other home joint-stock Banks are still perform the first set of housing benchmark interest rate，And agree：The first suite loan interest rate preferential is difficult to spread to open completely。

　　“相对于上半年，下半年的额度趋于紧张，在这种背景下，首套房贷款利率优惠全面铺开的可能性不大，一些股份制银行为了冲业绩，施行小幅的优惠已经很难得了。”中国银行(601988,股吧)合肥分行个贷部负责人说。

“Relative to the first half，In the second half of the line tensions，In this context，The first suite loan interest rate preferential comprehensive spread out is unlikely，Some joint-stock Banks in order to impact performance，It is difficult to execute small discount has been got。”The bank of China(601988,guba)Hefei branch GeDai department person in charge said。

优惠范围窄、幅度小 难以左右市场 Preferential narrow range、Small amplitude around to market

　　目前，合肥仅有25家与徽商银行有合作的楼盘，才可享受首套房85折利率优惠。除此之外，

At present，Hefei only 25 home and huizhou merchants bank cooperate in the building，To enjoy the first suite 85 fold preferential interest rates。In addition，

　　绝大多数楼盘都是不支持徽商银行贷款的。因此，在不少购房者的眼中，有优惠、无优惠对于他们来说，都是一回事。

Most of the building is not support of huizhou merchants bank loans。therefore，In the eyes of a lot of the person that buy a house，With preferential、No discount for them，Are one and the same。

　　在本站对“影响购房者置业因素”的调查中显示，有35.5%的购房者仍为利率优惠是影响他们是否买房的最直接因素；而仍然有64.5%的购房者表示，房价的优惠对于他们来说才是最直观有效的。

In this site to“Influence factors of the person that buy a house buyers”Survey，35.5% of the person that buy a house is still interest rate preferential is influence whether they buy the most direct factors；And still have 64.5% of the person that buy a house said，House price discount for them is the most intuitive effective。

　　“房贷利率放松可以给置业者带来购房成本上的优惠，但是优惠范围太小，我要买的这家楼盘就享受不到，而且优惠幅度与先前的7折利率相比，真的是九牛一毛。”在合肥城西某楼盘的开盘现场，购房者小刘感叹道。

“Mortgage rates can relax to bring home buyers purchase cost of preferential，But preferential range is too small，I want to buy the building will not enjoy，And the margin of preference and the previous 7 fold rate compared with，Really is a drop in the bucket。”Taken in hefei a building dish opening scene，The person that buy a house xiao liu sighed。

　　安徽大学金融系教授徐亚平表示：“房贷85折才换来房价7%的下浮，这个并不能激起购房者太大的兴趣，充其量也就是稍微降低了购房成本，并不能左右市场。”（三六五地产家居网 张月）

Anhui university professor of finance XuYaPing said：“Mortgage 85 fold before the return prices 7% decrease，This does not arouse the interest of the person that buy a house is too big，At best they are just a little bit to reduce the purchase cost，And cannot control the market。”（The 365 real estate home JuWang a monthly）