ICBC to halt third mortgage

Xinhua News reporter yesterday from HSBC and ICBC Guangzhou Branch learned that the two banks have received their respective headquarters of the implementation of the rules, the suspension of family-unit third suite and above loans.　　So far, Guangzhou publicly declared the third set of loans to the banking institutions have reached seven.　　BOC recently announced the introduction of real estate credit management measures, in principle, suspended the issuance of third and above housing loans, and the stock of the first set, two sets, three sets and above the rate of floating loans to the benchmark rate of 0.85 times times, 1.1 times times and 1.2 times times respectively. All applications being processed stop the HSBC Guangzhou Branch chief said HSBC personal Housing mortgage loans are the vast majority of customers to buy the first set of housing, two times and multiple home ownership ratio is not high, and the credit audit has been very strict, so, in the HSBC domestic headquarters before the announcement, has gradually tightened the mortgage.　　In the afternoon of April 26, HSBC China headquarters issued a notice, called the further strengthening of the implementation of the State Council policy measures, HSBC China has completely stopped the three-room loan, one or two suites also increased the number of the first Shengcheng and loan rates.　　Industrial and Commercial Bank of China Pearl Branch Customer Manager said, just received ICBC headquarters document, will no longer accept the third set of mortgage applications. Prior to this, the reporter casing business outlets to understand that Societe Generale, Hang Seng Bank, Citic Bank, Bank of China and CCB's Guangzhou branch has ceased to issue a third set of mortgages. At present, Guangzhou still provides the third set of mortgage business banks only the Minsheng Bank, Huaxia Bank, Pudong Hair Bank, Everbright Bank, Guangzhou Bank, Standard Chartered Bank and several others, the required down payment ratio between 5.2 to 60%.　　Although it has not yet closed the door of three housing loans, but for the buyer left the application space has been significantly narrow.　　Other rows of three mortgages are only for premium customers Guangzhou commercial Bank Dongchuan branch a customer manager said that the higher authorities for the third suite of the interest rate is on the basis of the benchmark rate of 20%, not only that, but also must be long-term partnership or higher personal qualifications of customers to be allowed to lend. "Now the four major state-owned banks in Guangzhou have ceased to have a third and more housing loans."　　"Yu Feng Real estate intermediary company, a customer broker told reporters." The ratio of Provident Fund loans to more than 30% mortgage New deal brought about by the market impact, making more and more buyers began to consider using Provident Fund loans to solve the problem of home ownership.　　Through the comparison, we can see that at present 5 years or more 30 years under the Provident Fund loan rate is 3.87%, and the benchmark rate of floating 1.1 times times after 6.534%, lower than nearly 70%. ICBC Credit department staff told reporters that the Guangzhou Provident Fund Loan has not implemented the new deal, if the previous Provident Fund has not been used for loans, now is the purchase of the third suite, the same can apply for Provident Fund loans, can also enjoy the preferential rate of Provident Fund. As for the down payment, it is still possible to refer to the standard of the first suite, that is, the minimum 30%.