Banks start differential mortgage farmers in the four lines of diplomatic relations are studying the rules

In order to implement the April 14 State Council executive meeting on curbing the rapid rise in housing prices in some cities, the policy requirements to curb unreasonable housing demand, 16th, ICBC took the lead in saying that the formal implementation of differentiated housing credit policy.　　Agriculture, China, construction, and the four major lines also said the State Council will strictly implement the new policy of housing loans, is currently studying the implementation of the rules. ICBC's new rules for the new contract and approval of individual housing loans are: To buy the first set of home and the building area of 90 square meters above the family, the proportion of loans to the first payment shall not be less than 30%; for families with loans to buy a second home, the first payment of loans shall not be less than　　The lending rate must not be less than 1.1 times times that of the benchmark rate; The proportion of the first payment and the level of interest rate are greatly increased for the families who buy the third and above housing loans.　　The construction bank and other said, always in accordance with the State Council policy spirit and relevant regulatory requirements, to support residents first loans to buy ordinary home, strict implementation of loans to buy second and above housing credit policy, and increase enforcement efforts.　　The general meeting of the State Council, held on 14th, explicitly implemented a more stringent differentiated housing credit policy, raising the proportion of the first payment and the rate of loans to purchase housing.　　Accordingly, China Banking Regulatory Commission responsible person said 16th, the CBRC will strengthen the regulation of various types of real estate lending behavior norms, require banking financial institutions in accordance with the requirements of the State Council executive meeting, to prevent all kinds of real estate credit business risks, the implementation of dynamic, differentiated management of individual housing loan policy. The People's Bank of China recently convened the president's Office to deploy and implement the State Council's efforts to curb the rapid rise in prices in some cities.