The auction house is off the premises

Active break for the text/reporter Chen, lin, Liu Nio property market regulation round close like a round, although the house price is still strong, but some investors have begun to feel the great pressure. Recently, some owners of capital chain broken listings in the auction market appears frequently. Will there be a "boom" in the property market?　　In this respect, the market Personage said, the present Guangzhou temporarily did not appear the large area to break the situation, but if the house price falls 30%~40%, also does not rule out appears "The Break supply tide" the possibility.　　Reporter from Guangzhou auction market found that many recently because of the owner of the capital chain broken and was auctioned off the target appeared in the market, and some also from the age of only two or three years of "new disk." Large-area units in the 2008 in the early days of the peanut community a duplex small shop units, recently due to the owners of capital turnover problems in the auction market appearance. Meanwhile, the Oriental New World Garden near Zhongshan Road has also recently two large units appearing in the auction market, according to the auction company revealed that the two bid for the implementation of the Bank.　　In addition, according to auction companies and intermediaries, at the end of 2009, a large area of Chun King Garden Flats appeared in the auction market, and the owners were helpless.　　Market participants analysis that the occurrence of these broken targets is likely to be due to some owners in a year or two before the high market, and then for a variety of reasons and capital chain break, resulting in property by the bank, and appeared in the auction market.　　In fact, the auction is only the "tip of the iceberg", under the huge housing pressure, many small and medium-sized investors are hovering in the "broken Supply" edge, the small business of Miss Liu (alias) is a typical case of reporters around. Miss Liu in 2009 years before the price rose decisively before the decisive shot, in the suburbs to buy a large area of units, although the unit price is not high, but the total price is not low, almost spent all her savings.　　However, as business has been declining, Miss Liu feels that a monthly contribution of over $5000 is difficult to bear.　　At present, Miss Liu has not repaid the loan for two consecutive months, if the house is not sold as soon as possible, Miss Liu will have to become a "broken supply" clan. Bank: The default volume of loans is still relatively smooth under the huge repayment pressure, "broken supply" has become a more common phenomenon in Guangzhou?　　In this respect, market personage mostly deny. Paulai, the head of financial management, said that as far as the bank is concerned, there is no significant increase in the recent absence of evidence in Guangzhou.　　In his view, the auction market is clearly broken, mainly because the auction market has concentrated on a variety of different from the second-hand market, the abnormal state of the property.　　Industrial Bank Guangzhou Branch of the relevant officials yesterday also confirmed to reporters, from the current data, a loan default data is relatively smooth, the reduction in trading volume, although the developer's financial tight, but has not affected the personal housing. According to Huang, director of the Business management Department of billion, Guangzhou has never been a large-scale Wanzong, there may be only one or two transactions, the normal market phenomenon, contingency and personal factors;Outside, in the primary market, there are also individual developers because of fake mortgages, some of the property eventually broke up.　　Market analysis price plunge will lead to a break in the tide however, the industry cautioned that if the price of a sharp drop in prices, such as falling 30%~40%, also do not rule out the possibility of "broken supply Tide". Generally speaking, the "broken supply Tide" is mainly based on the following market background, one is a sharp decline in house prices, the second is the market speculators gathered, the third is the market without the ability to do. Paulai, the head of financial management, said the price of the property fell sharply the year before, there have been many cases of broken supply in Shenzhen, mainly because of the large number of property speculation in the market, and some speculators have dispersed their funds into many sets of properties, resulting in a 3-month contribution that cannot be sustained;　　Eventually lead to a break. Huang analysis, if the property prices appear 30%~40% decline, that is, the fall more than the current strict down payment ratio, resulting in the total amount of repayment of the House than the property at the current market price, large-scale break up may appear. To a set of 1 million yuan in real estate calculation, in accordance with the current Guangzhou first residential 20% down payment ratio calculation, buyers need to bank loans of 800,000 yuan.　　If the house price falls 30%~40%, the house price still cannot reach the loan which owes to the bank, some owners may choose to break the supply. "But the recent fluctuations in prices in Guangzhou, the market is difficult to have a large number of break up," Huang said.　　Guangzhou Land and Housing Bureau Sunshine home site real-time network sign data show, January 1 to January 31, Guangzhou City (10 District two counties) online signed the average price of 11422 yuan M2, the chain last month 11438 yuan m2 only 0.14%. News tracking banks to resume lending, but the amount of money to be controlled by the loan to wait for one month on the other side is difficult to repay, the other side is difficult to borrow.　　The newspaper yesterday reported a number of banks in Guangzhou to restart mortgage loans, however, according to bank sources, compared to the previous day, the bank's daily mortgage quota is tightly controlled, the speed of lending is also affected. A backlog of mortgage applications "My mortgage has been approved for 2 weeks, but do not know when to get", live Haizhu District Industrial Avenue Xiao Wu yesterday to our correspondent disclosed that she is in the Bank of China application for mortgage, in mid-January mortgage approval procedures have been basically completed, but then the regulatory authorities to control the credit delivery, The bank suspended the loan.　　"I would have been able to get the loan right after I thought the bank had restarted, but that's not the case," said Xiao Wu.　　The reporter learned from the Bank of China Mortgage department, February 1 morning, the bank did restart the mortgage loans, but "only a small amount of loans", then the provincial bank closed, "until yesterday, the system has not been opened." CCB Zhongshan Branch president also told reporters that his branch, although on February 1 to restart the mortgage loans, but the daily limit of only 10 million yuan, and currently more than 1000 of the loan application has not been timely loans, which does not include the daily increase in the mortgage application. The lineLong revealed, "before the formalities have been completed, the 2nd day will be able to get the loan, now at least more than 1 months time."　　Guo, director of the Banking Research Center at the Central University of Finance and Economics, judged that February credit would be looser than January, but the whole quarter was tight; if inflation is well controlled, credit policy is expected to gradually ease in the two quarter. Proposal: As far as possible to choose the banks with sufficient lending quota the current purchase contract for the lending time is generally not expressly agreed.　　Experts suggest that buyers should realize and sell the house to negotiate a good bank delayed lending the responsibility to bear the way, avoid unnecessary friction. Select a sufficient bank to handle the housing loan.　　In general, the mortgage companies have a higher degree of understanding of each bank's credit lines than ordinary buyers.　　If a bank is found unable to make loans in a timely manner, homebuyers can adjust their loan plans in time to see if other banks have credit lines. The housing is facing the broken supply?