More than 85 percent of banks ' first mortgages

But the line of credit, many outlets have begun to suspend the handling of personal mortgage business Yangcheng reporter 刘薇 Report: Recently, Beijing, Shanghai and many others have been the first set of home loans preferential rate cancellation, January credit line or have been depleted of news. Yangcheng Evening News reporter 20th visited a number of banking outlets in the city found that most of the bank's first set of loans still have 85 percent discount, but the credit line is also an indisputable fact.　　Most of the province's banks say they still have quotas, but they are already nervous, and some of the orders are now expected to be released by March this year. Reporter visit found that the banks continue to continue the policy last year, that is, the first suite down 30%, the interest rate can be hit 85 percent; second suite down payment 50%, interest rate floating 10%. But a handful of banks have started to benchmark their first-suite rates, China Merchants Bank's account manager, for example, said that in the bank to apply for the first set of mortgages, down payment 30%, interest rate implementation benchmark; In the four lines, CCB has the lowest interest rate on the first suite and can only hit 90 percent, compared with a minimum of 88 percent at the end of last year. A Customer manager at the Huang Huang branch of ABC told reporters that the 85 percent interest rate is only guaranteed to be effective in recent days, "recently a policy-sensitive period in which the discount rules are subject to change."　　Banks will generally be subject to the discount set at the end of the approval process. Credit lines are also not optimistic. Many bank mortgage managers said that, although the backlog of a large number of single waiting for digestion last year, but as regulators rein in bank lending, banks are only able to beat the pace, leading to a quarterly tightening of credit lines in the first quarter after digesting the bulk of last year's bills, with banks only beginning to control orders. For example, the reporter visited Tianhe District, Yuexiu District, a number of CCB network found that many outlets have begun to suspend the handling of personal mortgage business, only days east of the larger mortgage center is still in the processing, but has begun to limit the number of orders. The bank's account manager also said that while the current quota would guarantee lending, it would be hard to say at the end of the quarter. Some joint-stock banks are also very nervous, and bankers suggest that if you want to get the money early, you can apply for quick loan, but you need to introduce the guarantee company to do the guarantee, so that you can make the loan immediately after the Housing Bureau tax, but the handling fee is relatively high, the general charge will be in the loan amount between 1.2 to 3 points.