Guangzhou Banks suspend loans

Some banks have suspended the mortgage business, waiting for the rules to be issued. CFP the new deal on mortgage loans to be further clarified although the State Council on the mortgage will implement the New Deal notice 17th has been officially announced, but at present, most of the bank's implementation of the rules have not been issued, the Guangzhou region different banks to implement the New deal is uneven pace, some banks have started a new deal,　　Some banks also said that the current mortgage processing is still in accordance with the old rules.　　　　Although the rules of the major banks have not yet been introduced, but including Everbright Bank, ICBC, BOC, AgBank and other banks have begun to implement the New deal. A number of banks began to implement the new Deal Everbright Bank lenders said that the bank has held a briefing to convey the implementation of the New Deal standards (see right table). For the new Deal enforcement line, the loan approval date shall prevail. CITIC Bank Credit Department staff also said that the branch had met yesterday to discuss the implementation of the New deal, for the newly submitted loan applications, all in accordance with the policy implementation. ABC's Guangdong branch staff told reporters that the current policy on the latest home loans to be accepted as the limit.　　ICBC has also formally implemented a differentiated housing credit policy since the beginning of Friday.　　However, CMB, the bank, and other banks in Guangzhou branch of the banking industry in the consultation with the reporter said, because the headquarters of the implementation of the rules have not yet come out, specific how to handle, the branch is temporarily unclear, the temporary suspension of the housing loan to accept.　　　　However, the banks said they expected the details of the headquarters to be launched this week and that the housing moratorium would not last long.　　Individual banks in accordance with the old provisions of the implementation of individual banks said that the loan business is based on the document implementation of the Head office, in the headquarters issued a new document, will still be in accordance with the old provisions of the loan application.　　Industrial Bank in Guangzhou, said the current head of the headquarters is studying the specific response, before receiving the head office, the branch is still in accordance with the old rules, for two sets of mortgages, loans can still apply for 60%, but the interest rate, even under the old regulations also need to float at least 10%. A wide distribution of relevant people also said that the bank is still waiting for the CBRC and other management of the specific implementation of the notice, before the notice issued, the second suite can still accept 60% of the loan application.　　However, the person also said that the regulatory authorities may be issued at any time, so the general will also advise customers in accordance with the spirit of the State Council's notice to submit a loan application. The reporter learned that foreign banks are currently working closely with the regulatory authorities to communicate specific mortgage details.　　HSBC China and Citi China both said they would adjust their mortgage services under the guidance of the CBRC.　　Home buyers Guide The risk of the ball is very large at present, because the banks to implement the New deal, the pace of different, some buyers in order to obtain a lower down payment, in the play edge, rush to those who are still in accordance with the old provisions of the implementation of the Bank to submit a loan application, hoping to As for this approach, bankers cautioned that the current management and the bank's headquarters areSeize the time to formulate specific implementation details, further clear measures may come out at any time, ready to play the edge of the house buyers face a great risk, or should be cautious to engage in, prepare enough down payment. As for the two suite, AgBank said it would buy loans for homes that had been used for loans, whether loans were repaid and loans were made to buy a second (including) home, and the loans would be deemed to be two suites. For those who bought Fang before, but have been sold, once again to buy a single set of housing customers, or to buy a second suite of customers, will be in accordance with the provisions of the two suite.