New Watch: Foreign banks scramble to tighten mortgage

Since the State Council mortgage Policy announced, domestic banks have been implementing new lending policies.　　A few days ago we covered the rules of a big bank, and today we have to pay attention to the latest moves of foreign banks in the face of the new deal, and our correspondent in Shenzhen learned that some foreign banks are tightening their mortgages and starting to stop the issuance of third mortgages.　　Reporters in Shenzhen visited a number of foreign banks, found that most banks raised the down-payment ratio and mortgage rates, and some banks follow the footsteps of the Bank of China, the total cessation of the third set of mortgages. Zhong Yongjin, director of risk management at wing Hang Bank (China), said that after we received this policy, we immediately implemented the national policy.　　Especially the second suite our implementation, the most important thing is that we do not loan more than 50% of the loan.　　It is understood that Standard Chartered Bank (China), HSBC (China), Hang Seng Bank (China) and the Bank of East Asia (China) and other foreign banks recently announced that the three-room loan has been completely stopped, the one or two suites also increased the number of first Shengcheng and loan interest rates. New observation of the property market Shenzhen: Developers once cast 169 sets now whether domestic banks, or foreign banks, the purchase of loans have become more and more stringent. In the first two days of our program, we also see the big cities in the property market turnover has dropped, in the face of such a situation, developers began to sit still, our reporter learned that in Shenzhen, there is a developer, these days to sell a one-time 169 sets of new homes.　　To get a specific idea. In Shenzhen, the reporter came to this property, found that this is a 07 open first-hand real estate, the release of the listing of 88 square meters, 90 square meters and 188 square meters three huxing, of which 188 square meters have been sold out. A set of 88 square meters of rough room price of 2.2 million-2.3 million yuan.　　Reporters on the roadside also saw a lot of intermediaries are holding the brand here to wait for the house. Shihua Real Estate agency says, now altogether is 169 suite. A one-time sell-off.　　Is the developer buys under the personal name, now throws 169 sets. This large scale has attracted a lot of house-looking people.　　Community Security told reporters, came to see a lot of people, a few days before the peak of the time even the elevator is not up.　　Security said that the Friday Saturday itself is a vacation day to see more than hundreds of investors Zou said, the same to three years of comparison, the price is lower than those 4,000 or so, 20,078, this sell around 20,004, or a lot lower. Reporter in the interview learned that the developers of the sale of the real estate, the actual sales are quite good.　　In the opening more than 10 days of time, has sold more than 100 sets, including investment-type buyers. China Union real estate sales staff said, there are 58 sets, here is 103 sets, before is more than 160 sets. An investor also comes to buy a house.　　　　Bought 3 sets a one-time. property market new observation guarantee company disguised as illegal mortgage developers sit down, consumers began to wait and see, bank loans are getting tighter, some irregularities in the property market began to rise at this time, our reporter learned in Beijing, a number of legal provisions can not do loan business guarantee companies, and underground loan companies, began to play a ball, set up a mortgage business, with high interest rates for profiteering.　　To get a specific idea. The reporter enters "the loan" to carry on the search on the net, saw many so-called can provide the loan service the organization, the business content from the enterprise loan, to the housing mortgage loan, the second-hand house loan and so on.　　Reporters through a company's customer service telephone to consult, that these companies can not only help customers from the bank loans, and the company itself can lend. Rui Cheng June and the company customer Service said, the company loan is between 4% to 6%. 4% to 6% Monthly.　　We can make the loan on the same day, all the formalities. The reporters noted that the interest rates charged by these companies would be as high as 50% to 80% per annum.　　It is noteworthy that the guarantee company to issue loans is expressly prohibited, this March, the CBRC and other seven ministries issued by the joint "Financing guarantee company management interim measures", 21st expressly stipulates that the financing guarantee Company shall not engage in the issuance of loan activities. Underground loan companies suspected fraud reporters found that on the Internet, many companies can also directly issue loans, not only low interest rates, and claims that within 30 minutes to lend. But the suspicion is that they all require interest to be paid before a loan is received. The reporter noted that these companies only leave a phone number on the Internet, no address.　　The legal profession told reporters that these loans under the banner of the company has obvious characteristics of fraud, need to arouse the public and the relevant departments of high attention. Zhangyuanzhong, secretary General of the Trust Law Committee of the Beijing Bar Association, said that the so-called 30-minute lending, this kind of behavior can be problematic, and the second is when you receive a phone call or various information, let you provide personal information, the first to have a sense of prevention, especially to provide you with bank accounts,　　Or if you want to put a certain amount of money into someone else's account, this is especially a case of caution, which we consider a typical scam. Financial links listed housing enterprises can still be financed but more difficult to pass through the property market regulation, the biggest suspense is the capital, whether it is housing loans, or developers of the development of funds are the key to curb the price of the property market, there have been rumors that the SFC will stop the listing and refinancing of real estate enterprises,　　The news for the housing companies facing the funding gap is crucial to a message, yesterday, our reporters in the SFC to verify the news, the SFC denied this, the following open our financial links to concrete look at the real estate business financing road, whether or not unimpeded. Yesterday, in response to media reports on "The CSRC suspended the equity financing of real estate enterprises", the SEC officials told the media that the SFC did not suspend the real estate enterprise equity financing, and the Ministry of Land and resources to establish a better joint audit mechanism. At present, for real estate enterprisesThe acceptance of the equity financing application is normally carried out. The SFC is reviewing the real estate companies have 59 financing applications, including 48 refinancing, IPO application 11. According to the introduction, the SFC has two batches of 41 real estate enterprise financing applications sent to the Ministry of Land for advice, the Ministry of Land has completed the first pilot operation of the 25 enterprises of the preliminary work, is expected to be formally reviewed in the recent feedback of the SFC.　　At that time, the SFC will carry out follow-up audit work on these enterprises. In fact, the real estate enterprise financing even in the April 16 after the real estate policy has not stopped, April 19, the Poly Real Estate Bulletin said the State Council state-funded committee has approved its directional additional program: the proposed to raise financing not more than 9.6 billion yuan, the development of 12 projects. Data show that now in the Ministry of Land line of 40 listed housing companies, the planned financing amount of about 110 billion yuan. However, it is clear that the threshold for financing of housing enterprises is even more sad, has been in line for six months of real estate leading Vanke issue has not yet passed. Last August, Vanke proposed 11.2 billion yuan additional proposal, of which 9.2 billion yuan will be invested in 14 residential projects follow-up development and construction, the remaining 2 billion yuan will be used to enrich the company's liquidity.　　So far, Vanke executives said there is no response to the Ministry of Land and Resources. New observation of the property market Guangzhou: Hundreds of enterprises relocation or mitigation of land supply is not only money, the rational development of the property market, but also inseparable from the supply of land, these days, Guangzhou took out a new approach, Guangzhou recently announced a "back to three" business list, the so-called "back to the second three" refers to the urban industrial structure adjustment, narrowing the secondary , the development of tertiary industry. According to the requirements, Guangzhou has 303 companies, 2015 years ago will be divided into three batches from the urban area, moved to the surrounding industrial park.　　Real estate experts believe that after the relocation of these enterprises, it is expected to solve the Guangzhou center land supply and demand ratio imbalance, so as to effectively curb house prices.　　Guangzhou citizen Mr. Huang lives in Yan Tang Road, his house next door dairy company is in "back two into three" list, learned the news, Mr. Huang Clap good.　　Mr. Huang said the factory was well managed, but there was a certain amount of noise.　　Some real estate people believe that the current Guangzhou urban land supply is limited, hundreds of enterprises after the relocation of the left, not excluded for residential development. Longbin, chief market analyst at He Fu property, said if a part of such a large-scale land is used for residential use, it will actually increase the supply of land in the old town, and at present we can see that the supply of land in the old city is relatively scarce. However, some real estate experts believe that even this will have a positive impact on the surrounding property.