针对有媒体报道的部分银行提高个人贷款利率，记者昨天了解到，目前北京地区个人抵押贷款利率普遍在基准利率上浮10%-30%，这一价格执行已久，近期未现涨价。

According to media reports part of the bank improve personal loan interest rates,Reporters learned yesterday,At present Beijing area personal mortgage rates generally in the benchmark interest rate rise 10% - 30%,The price to carry out already a long time,The recent rise in price is not now.

　　不过，银行人士也表示，由于年末行情，银行再现信贷紧张信号，不排除涨价可能。

but,Bankers said,Due to the end of the year market,Bank credit nervous signal representation,Does not exclude the price may be.

　　个人贷款未明显涨价

Personal loan not obvious rise in price

　　记者昨天致电建行、农行、工行、招行等多家银行了解到，对于个人抵押贷款，银行普遍在基准利率基准上有一定上浮。

Reporters call yesterday, the construction bank/Agriculture bank/icbc/China merchants bank and other Banks have to know,For individual mortgage loan,The bank generally in the benchmark interest rate reference a separation.

　　以装修贷款为例，中行、工行、建行等国有银行利率上浮10%-15%，招行、民生等股份制银行则上浮20%-30%。"资金紧张的时候就抵押贷款利率上浮15%，偏松就上浮10%，此前一直是这样的，政策没有变。"工行个人贷款经理表示。

To decorate loan as an example,boc/icbc/The construction bank and state-owned bank interest rates rise 10% - 15%,travel/The people's livelihood joint-stock Banks, such as the rise 20% - 30%."Funds nervous when mortgage rates rise 15%,Partial loose will rise 10%,Previously have been that way,Policy does not change."Icbc personal loan manager said.

　　此外，个人贷款的另一项主要业务，个人住房按揭贷款利率政策尚未发生变化。工行、农行目前依然可以最低打到85折，中行和招行则是最低9折。

In addition,Personal loan another major business,Personal housing mortgage loan interest rate policy has not changed.icbc/Agriculture bank still can minimum hit 85 fold,Bank of China and China merchants bank is the lowest discount of.

　　银行人士透露，9月底，监管层曾有意控制了各行的放贷速度和额度，这直接导致9月底部分银行无款可贷，部分9月份的项目和放款计划挪到10月份。

Bankers said,By the end of September,The supervisor has to control the speed and amount of all loans,This led directly to the bank by the end of September part without money loanable,Part of the September projects and loan plans to move in October.

　　银行人士表示，每年的4季度资金都偏紧张，冲存贷比时点已成为银行的主要工作，对于"吸储"能力较弱的银行而言，收缩贷款则成为必然。

Bankers said,Every year in the fourth quarter of the funds are partial tension,Impact deposit-loan ratio time has become the bank's main job,for"XiChu"Ability is weak Banks,Shrinkage loan becomes inevitable.

　　该人士表示，到了第四季度，银行信贷额度将会更紧张，届时银行或会继续上浮首套房贷款等个人消费类贷款项目的利率。建议近期有申请消费类贷款计划的客户，以享受相对未来仍较低的利率尽快申办业务。

This personage expresses,In the fourth quarter,Bank credit limit will be more nervous,The bank or will continue to rise the first suite loans, and other personal consumer loan programs interest rates.There has been a recent Suggestions for consumer loan plans to customers,To enjoy the future is still relatively low interest rates bid for the business as soon as possible.

　　资金面全面吃紧

Financing area comprehensive tight

　　9月末，央行通过天量资金投放将资金面控制在一个较为宽松的水平上。

At the end of September,The central bank through the day will be put on the amount of capital financing area control in a relatively loose level.

　　长假之后的首个工作日，资金面全面吃紧。昨天除9个月期限外，其他期限的拆借利率全面上涨。其中短期的资金需求尤为迫切，14天期拆借利率上涨64.34个基点接近4%，隔夜拆借利率上涨43.92个基点报3.7192%。

After the long vacation first day,Financing area comprehensive tight.Yesterday, in addition to nine months of the time limit,Other term of the inter-bank lending interest rate rise in full.The short-term fund demand more important and urgent,14 days period lending interest rate rise 64.34 basis points close to 4%,Overnight inter-bank lending interest rate rise by 43.92 percentage points to 3.7192%.

　　澳新银行大中华区研究总监刘利刚表示，由于10月将有6500亿元的巨量逆回购到期，同时由于季末揽储导致本月底银行存款基数大增，节后商业银行准备金缴款压力不小，央行或将很快降准。 

Bank of Australia in the greater China region research director LiuLiGang said,Due to the October there will be 650 billion yuan jillion reverse repurchase maturity,At the same time because of the season LAN storage lead to the end of the month the bank deposit base soar,After the commercial bank reserve payment pressure not small,The central bank or will soon drop quasi.