Definition of funds used to track the dilemma of the payment has been suspended personal mortgage

There is little to lend, and another reason to tighten mortgage lending.　　But Minsheng Bank, CCB and CMB can still handle, favored high quality property mortgage wing Miss recently in Shanghai, a 3.3 million of the house, according to the 40% down payment, she needs to take out 1.32 million of the first payment. Although the Rongxia couple had a more than 400,000 annual income, they bought a new house 3 years ago, plus the recent change, and the couple had no extra cash to pay the first payment.　　Because of the tight house deal, she wants to mortgage a house, to pay the first payment, and then to deal with the housing mortgage loan. It can be said that the 3.3 million-yuan housing payment is all through the bank loan way to pay.　　She wanted to wait a while, the mortgage of the House to find a successful buyer, then the mortgage money back, reduce financial pressure. Miss Wing's abacus is very good. However, she consulted the bank and found that most banks were unable to meet her requirements.　　Some banks have told us that mortgage products have not been done, some banks have told them they have not, and some have said interest rates are up 20%.　　Financial Weekly reporter in the Beijing-Shanghai Ear after investigation, found that personal mortgage policy has indeed changed recently, many banks in the "personal loan management interim measures" before the release of the corresponding products, although these products can be found on the bank website, but only "nominal." One of the reasons: the use of funds is difficult to define Rong Miss first consultation is ICBC Shanghai Branch responsible for the mortgage business personnel, the other party directly told her, has not done this product. "The actual use of loan funds is difficult to define, the superior department of the product requirements are relatively strict, recently made it clear that can not be used to buy a house, this product almost stopped." "Now do not say to buy a house, some of the mortgage for consumption is not good to do." On the one hand, there have been cases of customer hedging, the bank is tight, on the other hand, the amount is indeed limited.　　"The staff of a branch in Pudong has made clear to the financial weekly reporter. "Now is either the pledge loan product, is you originally in my bank has the wealth management product or the deposit order, may make the pledge loan, the pledge rate has 90%." "The bank staff said," the original banks have a revolving loan, that is, a comprehensive credit to customers, customers in the online banking can be a point of credit to the account, and now also stopped. "The key reason for stopping is that the use of funds is difficult to define. It is reported that customers in the name of consumer loans to the actual use of loan funds in the stock market examples. For example, customers to decorate for the name of the bank to apply for loans, the general bank requires customers to provide decoration contracts to prove the use of loans.　　This kind of decoration contract text online search that is, customers as long as the information is well prepared, get a loan is not too difficult.　　And such as Ms. Rong to use real estate mortgage loans to pay for the second house, equivalent to the "empty gloves White Wolf", indirectly enjoy the "0 first pay", in violation of the provisions of the CBRC. Coincidentally, the financial weekly reporter visited the bank in Guangzhou, also heard a similar's answer. "We have recently received the relevant notice from the higher authorities requesting that the interim measures for the administration of personal loans, which were announced earlier by the CBRC, be strictly enforced." BOC does always have a personal mortgage, but it is generally not intended to do so, because the money it receives after personal mortgages must be earmarked, and it is difficult for banks to define or track the real use of the money.　　"BOC Guangzhou branch a Customer manager said. BOC, the account manager, also suggested that "if you really want to get a mortgage after the housing, it is best to go to some joint-stock banks (the smaller the better) for consultation."　　Because if the CBRC has any relevant regulations, the Bank of China, such a large state-owned business will certainly ' see the popular thing '.　　In fact, the recent interim measures for the administration of personal loans issued by the CBRC not only require the establishment and strict implementation of the loan interview system to ensure the authenticity of the loan use, but also requires that more than 300,000 yuan of loans must be commissioned to pay the way.　　Financial weekly reporter also from some real estate guarantee company learned that in the past six months, the national housing prices rose sharply again, the volume of real estate transactions increased sharply, but also stimulated the real estate mortgage consumer loans used to buy again the proportion. "The person who uses the original property as a mortgage loan to buy a house must belong to two loan range, although the choice of consumer loans to enjoy less than two sets of mortgage-related concessions, and can only borrow up to 50% of the mortgage, but the rapid rise in house prices also pulled up the bank's assessment price, meaning that consumers can get more money through mortgages.　　A company insider told a financial weekly reporter.　　Now, as the volume of property transactions shrinks, banks are not precluded from worrying about falling house prices and depreciation of mortgages.　　The reason for the pause: the basic use of credit in the consultation process, but also get such a helpless answer: the original product is there, but now there is no amount. Zhao Wei, deputy general manager of Shanghai Kai Yi Investment Consulting Management Co., Ltd. said to the financial weekly reporter, because the last quarter, most of the bank's quota has been used up, the bank credit policy has been further tightened, after October may be 500,000 of the following commercial loans no banks are willing to do,　　Or a part of the loan intermediary to the customer charge a certain fee to recommend those who have the ability to digest, but the end of the year without cost of bank processing.　　Indeed, when the reporter interviewed some of the loan companies, the other staff made it clear that they would charge about 3% of the cost, "the information can be packaged to make this mortgage product." At present, the digestion ability of banks mainly concentrated in small and medium-sized banks and foreign capital Bank.　　A loan company reported to reporters the list of available banks: Ping An Bank, Standard Chartered Bank and Hang Seng Bank, while deep development, Pudong, and so on are relatively tight. A staff member of the bank told reporters, "in the beginning of the month to apply for some amount, by November 20 after the basic amount is not."　　"Careful observation, these tight banks are precisely the pressure of capital banks, the contraction of the amount of loans naturally inevitable." At the same time, banks ' number of mortgages has fallen. "Stipulates the mostHigh energy to get 70% of the collateral, but now get 60% good, and the requirements of borrowers, mortgage housing community quality requirements are relatively high. "Financial weekly reporter also learned that the current can provide home mortgage loans to the bank can generally give 50% of the mortgage rate, but there is a certain difference in the interest rate on the loan."　　Some banks run benchmark interest rates, and some banks float about 10%.　　Minsheng Bank, CCB still can do compared to some banks conservative practices, but also several banks can still provide corresponding mortgage products. When a financial weekly reporter asked if a mortgage could be secured through mortgages, a credit manager at Guangzhou Minsheng Bank said in an orderly manner, "This kind of loan, as you say, can now be handled." As to the CBRC's notice, the staff member calmly told reporters that the CBRC's practice of the notice was not presented now, and it was already announced, and it is only a reaffirmation of the need for both banks and applicants to attach importance to them. But every bank is different in its execution. "If a mortgage is to be handled at Minsheng Bank, the maximum loan amount can be up to 70% (usually as collateral), the repayment time is shorter and the interest rate will float at the benchmark rate. The bank staff also suggested that "if you need to mortgage the original home to get money to buy a house, it would be better to apply directly to the home mortgage, so you can enjoy more concessions; mortgages are now slowly being checked and interest rates are high, both for buying homes and for other purposes. "The staff of the Bank of ICBC seems to be a bit" refusing to face up to the problem of the press mortgage. "The two days before the use of the mortgage funds, we made a reaffirmation that we must strictly check the capital of the mortgage loan, basically the funds are directly to the funds to the side." Now can deal with this kind of business also need to approve a long time, not before fast. "CCB has not suspended mortgage products. A staff member of CCB said, "Now want to do the mortgage is not too difficult, the most important thing is to have good collateral, the good house is undoubtedly the best choice, other collateral we do not want to do, because the mortgage has not won a lot of profits, house mortgage is the best choice for banks.　　"Construction Bank Beijing branch Lu River branch staff also said that as long as the use of loans reasonable, such as for the purchase of housing, you can take the first housing as a mortgage." The most positive attitude is that of some foreign investment firms. "As long as you can provide some kind of proof like the invoice, the bank will generally believe it and won't do too much." Because the house is in the bank's hands, there is nothing to fear.　　"A foreign bank account manager," The language is amazing. However, the need to remind customers is that the bank staff often say more moving, the actual operation may not be able to apply to 70% of the mortgage rate. Moreover, do not easily submit the information to the bank, once a bank rejected the client's loan application, because the "loan application rejected" record exists, the client to other banks to apply, it is more difficult.