Two sets of housing loans to the national property speculation or history

BEIJING, April 22: Two sets of housing loans to the "national housing" or into history China Banking Regulatory Commission, a director of bank supervision Yang Jiacai said that the second set of housing standards, to the number of houses, to the family (including borrowers, spouses and minor children) as the unit.　　This will be a change to the two suite policy on loan records. It is understood that the previous implementation of the two suite to determine the standard is usually based on whether to use loans to buy housing, and whether the loan has been repaid to define, and the brewing of the two set of mortgage enforcement principle is "to room, family as a unit."　　Industry insiders said that once the "room to limit" The spirit of the implementation of the official document issued, small and medium-sized owners of real estate speculation will be seriously hit, "The National property speculation" phenomenon is likely to become history.　　Beijing Zhongyuan Three level market research director Dawei in an interview, said that the principle of the room, to a large extent, to return the real estate to the nature of housing, speculative property will be greatly reduced. "This will completely reverse the current formation of ordinary working-class to the house of speculative mentality, in the short term will make the housing market speculative surge."　　"Dawei said. Once the policy is implemented, the preferential rates for the first suite can only be enjoyed for homeowners who have improved sexual needs, only to sell the only housing. For owners who have already bought property in full, but want to use the loan to invest in another house, they will not be able to enjoy the first-suite credit, and must implement a strict policy of 50% down payment and 1.1 times times the interest rate.　　This move will undoubtedly make the market's supply of supplies greatly increased, but also inhibit a family of more than a set of vacant housing phenomenon. According to the three-level market research Department of Beijing Zhongyuan Statistical data show that in the current commercial housing market, the first suite of the total purchase rate of up to 50%, especially in the 2005 before the purchase of the crowd, more than 80% for the whole of the purchase, this part of the face of the real estate or upgrade to live owners, once the choice to sell the hands of the house, will bring the market a large number of listings.　　At the same time, the "room limit" principle also limits this part of the customer consumption of the current market listings, reducing their use of financial leverage to reinvest the possibility. Dawei said the new principle for small and medium investors will be very strong psychological deterrent, the first mention of housing return to the essence of consumer goods, but need to pay attention to the current housing networking system is not perfect, once used loans to buy properties from the bank credit system inquiries, but it is difficult to determine the family name of the loan.　　The effect of "room limit" depends on the implementation of the policy rules. Recently issued by the State Council, "about resolutely curb the rapid rise in the prices of some cities," the notice clearly requires more stringent differential housing credit policy. For families with loans to buy a second home, the proportion of the first payment shall not be less than 50%, and the loan rate shall not be less than 1.1 times times the benchmark rate; the ratio of the first payment to the loan and the loan interest rate should be greatly increased by the commercial banks according toThe principle of risk management is determined independently. The standard of the two sets of housing by the Ministry of Residential construction and the People's Bank, the CBRC to make progress, the specific rules are still in the process of formulation.