BOC cancels mortgage 70 percent discount House slave: Now there is a mortgage is called happiness

China Economic Network February 3 According to media reports, the Bank of China issued a notice last week, the first suite of preferential rates from 70 percent to 85 percent.　　At the same time, BOC has completely ceased to cooperate with intermediary second-hand housing. BOC: Credit is limited because banks now have limited credit, BOC account manager said the bank's loan business was suspended for 1 weeks in late January. The current BOC mortgage business wants to hit 85 percent is also very difficult thing, almost is "crème".　　BOC People said that the credit system can not have overdue records, career stability, the bank's VIP customers can apply to 85 percent discount. In addition, BOC not only tightened the new house mortgage business, the second-hand housing market has also changed the strategy. According to the Beijing News, BOC has completely ceased cooperation with intermediaries, only to do the direct guest type of second-hand housing loans.　　According to the intermediary analysis, the first Bank of the intermediary rebate fee is not very agreeable, the second is the Bank of Credit Limited, so simply stopped the business. Regulation: Ultra-expected credit control in January, the scale of domestic credit is less than a foregone conclusion, and some of the January banks of excess lending will not only be limited to new loans, and even need to recover some of the excess loans. Li Huiyong, Chief macro analyst at Wanguo, said the January credit could come back down after a big start, with loan demand released in the first half of the loan and a substantial increase in loans fuelled by policy gaming. State-owned and joint-stock bank loans increased by nearly a trillion, all bank loans were put at about 1.5 trillion. In the second half of the month, the state has implemented policies such as raising reserve requirements and implementing differential reserve ratios, which are expected to drop significantly.　　Overall estimated January loans in the 1.1 trillion, will be achieved less than the pattern of year-on-year increase. Banking sector sources said that the regulatory authorities on the commercial banks of the strict control of credit has exceeded market expectations. A number of banks that were too heavily invested in the first half of the January were not only required to suspend lending, but were also asked to recycle old loans in a bid to reach the goal of a reasonably balanced lending required by regulators by the end of the month.　　And the bank's initiative to compress loan size, loan recovery is greater than new, plus the compression of expired bills is the new credit first rose after the main reason. At present, the major banks have made clear this year's loan control targets. Among them, Bank of China's larger decline in the year, the new credit scale of about 600 billion yuan, compared to the last year more than a trillion yuan level significantly reduced.　　In January this year, BOC's new loan has reached 1600 yuan. House slaves: Now have a mortgage is happy whenever the new year, "mortgage slaves" to get the year-end award, always plan to give up a part of the loan in advance, relaxed over the annual. Although the policy of early repayment is getting wider, the amount of early repayment this year does not increase as compared with previous years. There are "house slaves" frankly, "now the loan is so difficult, there is a mortgage that is happy!" ”