Third mortgage New Deal Changsha most banks did not punch

Reporter Shiman Hou Xiaojuan Yongtao intern Yangshan A few days, the State Council to attack the real estate market: first two sets down the threshold to 50%, and then, for the high price of the area requires commercial banks can suspend the purchase of third sets of housing loans and above, while the foreign buyers to limit. Many buyers seem to be looking forward to the prospect of falling house prices. "Some time ago, I saw Changsha Wuhan station doorway, playing to meet the ' Shenzhen, Guangzhou, Ningbo to see the group of people," a dial to appear, too terrible, this policy came out, Changsha prices should stop crazy rise!　　"Ms. Zhang, who lives in Wu Jia Ling, said. In this regard, some real estate business also said, "at present Changsha 5062 yuan m2 average price, is not high, should not the standard of exorbitant prices, but this time the policy is very strong, we are very anxious." "Bank of China has raised the issue of whether the down payment of Changsha is the policy of high prices, rising too fast, tight supply areas, is a concern of many people." In this respect, Bank of China Hunan branch of the personal Finance Department, director of the credit center Shang Zhimin said, "The policy does not specify which cities must stop the third mortgage, Beijing, Shanghai and other first-tier cities will certainly be stopped lending, but Changsha may not stop temporarily, because the current price of Changsha in the national capital city rankings are ranked in the bottom of the few. "According to the smart-sensitive introduction, the Bank of China is also in the implementation of" strict controls "policy," the third suite down to 5.5 of the above, interest rate floating 15%.　　Said to wit. "Buy three sets of housing and above the majority of customers are speculators, the policy does not specify when to stop the three suite of loans, so we will still be more than 50% of the down payment, the rate of floating over 10% of the proportion of loans."　　"Zhang, general manager of the Personal finance Business Department of Hunan Branch of Bank of communications.　　ICBC, CMB, Everbright, Pudong and other banks also said that for the third suite, according to the State Council's strict policy, a substantial increase in the proportion of the first payment and loan interest rates.　　However, according to a variety of reporters understand that the current actual lending is the same as the bank of communications, still follow the two housing policy, not another punch.　　At the same time, the reporter also learned from a number of banks, the stock of housing loans temporarily unaffected. Consumers take a wait-and-see attitude "Just a few days, the state introduced so many policies to control the property market, perhaps prices will be down, I still wait a few time to decide when to buy."　　Teacher Le said. There are few people who share the same views as Le.　　According to the introduction of intelligence, the policy after the day, the primary room, second-hand housing transactions significantly decreased. The Xin Yuan Xiang Fu Hua Nan Road, located in two, opened last weekend, the relevant person in charge revealed that although the sales volume is high but from the data analysis of the buyers, the number of foreign investors is significantly reduced. "The introduction of the policy is very intimidating to them.　　The official said. According to the industry analysis, Beijing, Shanghai and other first-line city housing prices have been a certain downward, to a certain extent to the Changsha, home buyers have a psychological prevention, so that the purchase of passion to decline, in other words, the roomThe volume of production and sales will fall to a certain extent. "Three suites to stop the loan is the most important impact on the enthusiasm of the buyers, whether it is a large family-oriented customers, or investment in the city center small huxing customer purchase enthusiasm relatively reduced."　　According to industry insiders.　　A Luo surname industry personage introduces, although Changsha may not be included in the three suites of the stop loan, but, before the three suites stop loan policy, two sets of mortgage requirements must not be less than 50%, which has greatly reduced the enthusiasm of the buyers.　　Will house prices fall after September? Rong San International general manager Xiaozhigang said: "This period of time sales good, especially the first quarter." The proportion of foreign investors has also increased markedly, up from around 30% this year and more than 35% this year. But the enthusiasm of the policy investors will certainly be greatly compromised. "This policy is only for loans, which is a lock on the upstream financing of developers."　　"Analysis of the industry, in general, the April or May each year, developers more loose money, coupled with the policy needs a buffer period, will not immediately effect, so the short-term sales in Changsha may not be as hot as the first quarter, and house prices will not fall in a short time." "September is the key. "A part of the developers said," because September or October, developers in addition to the previous project payment, but also to the second year of project development to give new funds, the developer fund chain to a certain extent will be tight situation. "In addition, some properties will be sold at the end of the year at the end of the year, or there will be some disguised discounts, so that consumers will misunderstand that this is a trend of house prices, further affecting the enthusiasm of buyers." "Affected city state buyers will be very" injured "to the non-local residents can not provide more than 1 years of local tax certificates or social insurance payment certificates to suspend the purchase of housing loans.　　"This is one of the contents of the policy announced by the State Council 17th. Lee, who lives in Zhuzhou, was deeply worried after learning about the policy. Lee has been working in Zhuzhou, recently seconded to Changsha, so he wanted to buy a house in Changsha, so that the daughter later in Changsha to read more convenient, but now after the introduction of the policy, he began to ponder: "Do they belong to the field of population?" Can not apply for a loan to buy a house in Changsha?　　"Some industry analysts said that the city state buyers will be very" injured ", the implementation of this policy will be greatly hit the enthusiasm of investors, so that the proportion of investment fell, for this part of the city state buyers, the impact may be more obvious. News background 14th policy: The first set of home from the housing and set the building area of 90 square meters above the family, the proportion of loans to the first payment shall not be less than 30%, the loan to buy a second housing households, loans to the first payment ratio shall not be less than 50%,　　The lending rate shall not be less than 1.1 times times that of the benchmark interest rate; the ratio of first payment to the third and above is greatly increased. Japan policy: Commodity housing prices are too high, rising too fast, supply tight areas, commercial banks can be based on risk-like, suspend the purchase of third and above housing loans, and suspend the purchase of housing loans for Non-resident residents who cannot provide proof of local tax or social insurance payments for more than 1 years.