CBRC asks commercial banks to tighten two mortgages without excuse

Housing new loans set a "day amount" the CBRC asked the commercial banks-"no excuses!" Tightening two sets of mortgages "with the housing market warmer, the main residential loans to new loans in the recent hit a" day.　　Agricultural Bank of China's latest report shows that this year's 三、四、五月份, the country's new household loans reached 591.8 billion yuan, more than 2005 any 3 months of the sum. However, the regulator's policy on two mortgages is showing signs of tightening.　　Hangzhou, Zhejiang, after the first tightening of two sets of loans, the reporter learned that all over the banking regulatory Bureau has begun to troubleshoot the agency's home loan business.　　found that two sets of housing loans can not find "excuses" recently, the reporter learned from a number of commercial banks, the CBRC issued a request, the commercial banks strictly comply with the two sets of mortgage-related policies do not waver. "The CBRC issued a dispatch to the bank to hint at the risk, with the recent increase in mortgage loans, the CBRC worried about hidden risks." "A joint-stock Bank mortgage business director told reporters that in the" notice on further strengthening the risk management of mortgage loans ", the CBRC asked the commercial banks to strictly review the pre-credit and mortgage-lending standards, and to stick to the need to support borrowers in the purchase of their first homes.　　Strict adherence to the second set of mortgage policy is not shaken.　　The official disclosed that the CBRC reiterated the tightening of "two sets of mortgages", focusing on two points: one is not to the credit system is not networked, off-site purchase difficult to investigate for the relaxation of standards;　　The real estate market "hot" comparable to the 2007 and now the domestic real estate market "fiery" scene, comparable to 2007. According to the NDRC and the National Bureau of Statistics jointly released data, June the country's 70 large and medium cities housing sales price year-on-year rise in the previous month fell 0.6% to 0.2%, the chain Rose 0.8%. According to the National Bureau of Statistics, the first 5 months of this year, commercial housing sales and home sales rose by as much as 25.5% and 45.3% respectively.　　Housing mortgage loans, as described above, set a "Day amount". "The current housing price rise has the actual demand support condition." But there are still some bubbles and risk factors in the rapid growth. "The current 5-year housing loan interest rate is only 4.158% after 70 percent, at an all-time low," said Van Junlin, a researcher at ABC's strategic management department.　　Once the interest rate level rises, the economic main body fund high lever will cause its interest rate burden to rise sharply, if then the economic situation does not have the overall improvement, the result will be the commercial bank bad debt level to raise rapidly. According to the first financial daily ◇ Wired local Wuhan Two sets of loans is still outside the tight Nesson temporarily not move in spite of the recent, the CBRC issued a request, the commercial banks strictly comply with the two sets of mortgage-related policies do not waver.　　　But the reporter learned from people familiar with the situation, Jiangcheng banks to two sets of mortgage payment provisions are actually "external tight inside loose", "There is a lot of operating space." "In fact, the issue of restricting second-suite credit has been pushing since September 2007, but itIt was not strictly enforced for some time.　　He also said that for Hangzhou, Nanjing and other land policy "tightening" measures and the CBRC's policy, Wuhan has not yet moved seriously. "The policy we are implementing is still a document issued by the Central bank in September 2007 and no other relevant documents have been received."　　"For two sets of mortgage tightening rumors, a commercial bank in Wuhan, the relevant head of the mortgage department told reporters. "The tightening of two mortgages may be more pronounced in a first-tier city," the person said. But in Wuhan should be good, are in accordance with the provisions to do, as long as the two suites, must strictly implement a down payment of 40%, the interest rate floating 10% of the provisions, only to meet the improvement of the conditions of the purchase of the customer, can enjoy a room of treatment, So there's no need to tighten now. "The mortgage workers at another large state-owned bank said the housing market had just warmed up and it was not necessary to tighten two of mortgages. "As for the risk, we will certainly control, for example, even if the decision is to improve the purchase, we are not necessarily on a down payment of 20%, interest rate 70 percent to handle, but also according to your personal income, credit status." "Industrial Bank East Lake branch of personal credit manager discipline but gave a different view, he said, the CBRC's request to standardize the current two sets of mortgage market order will have a positive effect." "Because of the specific measures of the banks for the two suites, do not rule out some banks violate the" cross-red line "approach, now the policy is issued, we are all in the same starting line, the market is more standardized. ”