Monetary tightening of banks to suspend mortgage lending

Mortgage approval is still on whether the two down payment to 50% is still unknown lending the fastest recovery at the end of February (reporter Guanjianqing correspondent Liang Yanming) two sets of mortgage policy again waves.　　Reporters yesterday visited several banks in Foshan and intermediary companies to understand that a number of banks have now suspended mortgage loans, but did not suspend the approval of the mortgage.　　The industry predicts that future mortgage policy will tighten, but whether it will raise the two mortgage to a down payment of 50% is still unknown, and it is expected that the policy will be adjusted again in a few days. Reporter Survey: A number of banks to suspend mortgage loans to mortgage loans will be how much impact on bank lending?　　Yesterday, the reporter visited a number of banks and real estate agents, learned that a number of banks have suspended mortgage loans, but whether the two sets of loans to raise the threshold to 50% down payment, is still unknown.　　According to the real estate and other property intermediary companies, 21st century, Foshan, a number of recent banks have suspended mortgage loans, is expected to wait until the end of February will not start lending again, the early March may usher in a peak lending.　　ICBC, ABC, Guangdong, Everbright and other state-owned and several joint-stock banks related staff revealed that recently, banks have been on a monthly loan line control, more than the amount of loans will not be issued, the general loan is concentrated in the last half of the month, once the loan limit is used up, the next half of the month whether it is a suite or two suites, loans are no longer issued. Public response: 30% home buyers cash to this, the public response is mixed.　　"If the central bank starts raising interest rates by the end of January," he said. Mortgage rates, which have been approved for lending, are likely to rise as well, with some 30% would-be homebuyers hoping to be affected by the policy, with future property prices likely to fall, hoping that prices will fall and buy again. Bankers say that as long as the central bank raises interest rates, the mortgage rate will certainly rise. "As long as the loan has not been issued, interest rates can be adjusted at any time." However, the down payment will not be adjusted, still in accordance with the original contract executed. "And for would-be homebuyers who have not yet shot, it is more desirable that policy regulation will allow house prices to fall." "In fact, the number of down payment, interest rate fluctuations are not the most important, if the price can fall, these costs can be offset."　　"reporter randomly interviewed nearly 50 prospective home buyers, about 30% prospective home buyers hold a wait-and-see attitude, hope to wait for prices to buy after the fall, and another 70% people think that the price of foshan lower space, said that as long as the appropriate price of bamboo shoots, or will consider buying." property market expression: Flat price stable turnover 30% by the new policy and buyers of the wait-and-see sentiment, the January this year, Foshan one or two hand floor turnover significantly shrank, of which second-hand house turnover shrank more than 30%, but one or two hand property prices did not fall as people expect, still head upright in the average price 9000 yuan/　　square meters and 6000 yuan/square meters high. According to the 21st Century real estate operations director Liang revealed that nearly 3 months, a, second-hand housing prices did not rise nor fall, no significant changes, but intoCompared to last December, the volume of second-hand housing sales decreased by 33%, and the first-hand room opened at the end of the year and the new push goods are not many, the overall deal is deserted, the price of the town street plate deal relatively better. Industry forecasts March or April property prices may be higher "the Foshan market is characterized by rigid demand too strong. Liang said he said that the LAN stone relocation compensation has begun, the LAN stone relocation scale than East Li several times, the need to stimulate the rigidity is much greater. This 3 ~ April, the first batch of LAN stone to remove the households can get compensation, it is estimated to be able to help push the Foshan property prices further higher.