BEIJING, Shanghai to start implementation of new mortgage rules

Some banks in Shanghai suspend "three-room" loan Tangwen from yesterday, Shanghai's banks began to formally implement differentiated housing credit policies. That is, the purchase of a second housing loan to the lender, take a loan down payment must not be less than 50%, the interest rate should not be less than 1.1 times times the benchmark rate of operation standards.　　Meanwhile, some banks have suspended lending to "third and above housing". According to the Beijing Evening News, Guangzhou Daily, Shenzhen Evening News, in Beijing, after ICBC announced the implementation of differential housing policy in Friday, BOC Beijing Branch, ABC Beijing Branch also announced the implementation of new rules from yesterday. In Guangzhou, CMB, ICBC, BOC and so on began to two sets of loans in accordance with the new policy. In Shenzhen, ICBC from the Friday has begun to implement new rules, Everbright Bank's two sets of mortgage payment is not less than 50%, interest rate floating 10%.　　A number of other banks said the two-house mortgage policy will change this week. Shanghai or to input system for the time node "this morning received some bank notice, ' third Suite ' has not accepted the loan." "The head of a loan service company told the first financial daily newspaper yesterday. To help buy two or more housing clients to circumvent the new lending rules, the company handed over almost all of its existing business documents to its co-operative banks in Friday. The bank's credit department also worked overtime on Sunday in Saturday.　　According to the plan, since April 19, Shanghai to buy a second housing credit policy will be implemented in accordance with the new regulation. According to the head of a large intermediary credit department in Shanghai, according to the general process, enterprises will send business documents to the bank for loan application, the bank according to customer information to carry out credit report inquiries, verification and then the customer information into the internal system waiting for the loan. This time, unlike in the past, there was almost no buffer period after the regulation policy was introduced.　　Because of this, for the operational level, the implementation of the node is a clear priority. "Whether it is to send the list, the bank to accept the audit, or the final lending is subject to?"　　"This doubt seems to be the focus of many market operators. The head of the agency's credit ministry said from the implementation of the banks in Shanghai, the current implementation of the node or "input banking system" as the subject, "on the surface to see the time card is relatively tight, but to enter this stage, which means that has been basically through the bank review, the lender has no problem." "Three and above loans" suspended for the "three and above" mortgage, "after the programmatic policy out of the Bank of the headquarters to establish rules to the branch, and then from the branch to the market level, still need a few days to digest." The ' Third suite ' credit policy is clear at the weekend, so many banks are still late to respond.　　"A person familiar with the internal operating procedures of the bank said. April 19, in the Shanghai banks originally decided to formally implement the second suite of credit on the day of the New deal, although the specific details have not been clear, but in order to complete the transition, some of the rapid response to the bank, immediately targeted "third suiteThe decision to suspend the loan was made, but the operation of Non-residents was still pending.