Major banks are hardening the treatment of the housing loan.
When the variation types that review the interest rate every fixed-site and half a year when the interest rate is fixed for a long term are combined, Mizuho Bank slashes interest rates besides Mitsubishi Tokyo UFJ Bank starts the interest rate preferential treatment to the environment-conscious type house.
The housing loan is a low financing of the risk for the bank, and personal core affairs. Therefore, it tries to incorporate the client in Loon where the each line and the environment and the stability were sold.
In addition, the eco-support privilege that Mitsubishi Tokyo UFJ Bank started on the eighth reduces the interest rate of 0.1% to the environment-conscious type house where all electrification and photovoltaic power generations were taken. If this privilege is used by 1.075% a year if there is a constant down payment, the interest rate of the variation type of the accompaniment falls on the level by which 1% a year is under. ｢The demand for the pollution is persistent though the entire house sales have not increased. It becomes a social contribution. ｣(Public Relations Department)It describes.
The housing loan balance of the accompaniment was exceeded the previous year, changed, and 12,981,800,000,000 yen that was 67.9 billion yen more at the end of March from the previous year. When the number of cases that the person who was choosing the fixed-site for five years and about 2% a year in the interest rate ten years launches out into converting increased due to the decrease of the mortgage rate since the last autumn, it is Iu.
The idea to increase the novel debt by this privilege.
Mizuho Bank started the handling of “Mix repayment plan” that combined the variation type with the fixed-site on the 22nd. In addition, the interest rate lowers when it makes more than the half of the borrowing forehead the fixed-site of 15 years or more.
The rate cut of two degrees corresponding to the finance crisis for Bank of Japan and it exists in the variation type Hatori division low level.
However, the long-term interest rate will be thought that the advance is inevitable in the future because a large amount of government bond that secures financial resources of economic measures to which the government comes one after another is expected to be issued. In such and “When the variation type when thinking about the interest rate rise in the future is alone, the person named the anxiety is not a little. ” (accompaniment). The aim into which the client of the stability intention is incorporated by enhancing the service of Loon where fixed-sites were combined.
The opaque one is a fact. whether there are still deflationary concerns while the advance of the long-term interest rate is expected, too and which the fixed-site or the variation type is profitableIt is Sumitomo Mitsui Banking Corporation that the difference with the other bank appeals by value addeds other than the interest rate in such an average. The accompaniment tries to secure the housing loan of the natural hazard insurable last year and to secure the client by infusion and comprehensible “Profitable feeling”.
The housing loan is “The irrecoverable debt anxiety is a low straightening, and stable assets. ” (major bank). The synergistic effect that the account used in life usual like the salary transfer etc. can be established can be expected.
Moreover, Suminobu SBI online bank is starting the treatment of “Interest rate mix”, and the scramble for the client of the each line is intenser also in the pure-Internet-play bank that has extended the treatment by the low interest rate and convenience at last few years.
The source
http://www.business-i.jp/news/kinyu-page/news/200906240010a.nwc
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