Two sets of mortgage new Deal Bright Sword: A number of banks waiting for notice to execute 40%

Financial weekly retail Banking laboratory researcher Li Junling Zhu Changbin/Wen Agricultural Bank a customer manager said that for the second Suite mortgage policy, we are still implementing the second suite down payment 40%, interest rate discount 70 percent in a few days, on the second mortgage down the news one after another,　　Intriguing: The first is about the CBRC chairman of the Boao Forum in Asia, "some cities two a down payment 60%" Rumors of the uproar, after the CBRC will soon come out to dispel the rumor that this is only part of the media misreading. The voice of the CBRC has just fallen, April 14, 2010 State Council housing Loan new policy issued-to buy the first set of housing and the set of building area of 90 square meters above the family, the first payment of loans should not be less than 30%; for loans to buy a second housing households, the loan first payment ratio shall not be less than 50%,　　The lending rate must not be less than 1.1 times times the benchmark rate. In the Times, people have a new understanding of the rumors of "two down payment 60%" in some cities. Although not 60%, but at least in the original 40% based on the increase to 50%.　　The increase in the down payment ratio for two sets of mortgages has been framed in policy. The bank is waiting, the second suite 50% down payment has not been implemented April 16, on the State Council's new mortgage policy, the financial weekly reporter consulted the "chain of real estate," a real estate agent, Ms. Yang, said Ms Yang, "it is not yet sure whether the new policy can be implemented immediately, but next week under the new policy is more likely to go." "So she suggested:" Buy two suites, if there is a suitable availability, recommend early formalities, there is a down payment of 40% standard implementation of the possibility. "On the bank, on the morning of April 16, the weekly finance reporter visited a number of banks on new policy issues. ICBC Beijing Branch in Xicheng District, a branch of the credit department related staff told reporters, "We also learned from the news that the news, which means that the real estate credit to tighten, but we do not know the details of the implementation, we must wait for higher documents to determine when the start of the new mortgage standards to be implemented. "China Merchants Bank Beijing Branch Zhi Chun Road branch of a customer manager told reporters," the specific policy has not been introduced, we are waiting for superior notice. Minsheng Bank Beijing Department of Management Zhongguancun branch of the relevant people also said, "No notice, the new policy will certainly be implemented, but the specific time is not certain, we have to wait for the rules." "Beijing Rural Commercial Bank of a branch of the credit Department of the relevant person said:" Know that the new policy, but has not received the executive notice, to wait for policy. "While the banks are still waiting, some of those who need to buy homes are highly sensitive to the two per cent increase in the down payment ratio," he said. Tongzhou District, a real estate intermediary in Beijing, said the new deal came out, the telephone consultation of many people, especially in our business here but did not sign a loan contract buyers, they are very concerned about the implementation of the new Deal time, hoping to catch up with "The last Class (two mortgage down payment 40%)Car. "　　Two down payment 40% is still in execution from the financial weekly Reporter survey, most commercial banks are not at the grassroots level of the second set of housing loans to improve the ratio of the notice, so the outlets are still 40% down payment.　　China Agricultural Bank of China, Haidian District, Beijing branch of the account manager told reporters, about the second suite of mortgage policy, we still carry out the second suite of 40% down payment, interest rate concessions can still do 70 percent. The ABC's account manager said, "We have not yet received a notice to increase the down-payment ratio of two mortgages, as far as I know now the two-house down payment is basically 40%, we are no exception, and our interest rate can still do 70 percent discount." "In a visit to the Bank of communications at the Jinrongjie in Beijing, the staff of the personal credit department told the Weekly report," We still have a 40% down payment for the second suite loan. "When asked if there is a discount on interest rates, the staff said," the loan rate is favorable, but to see the repayment of your first suite, if there is no bad records and comprehensive credit good, the interest rate can be up to 70 percent. "April 14, ICBC Beijing branch of a branch of Credit center staff told the Financial Weekly reporter," two sets down payment ratio 40%. "And the reporter asked further whether the loan rate can be 70 percent discount, the staff said," We currently two suites loan rate has no 70 percent discount, but we can offer to 85 percent.　　"China Merchants Bank is similar to ICBC, but also two down payment 40%, the rate can be 15% discount." CCB's requirements are more stringent.　　In the visit of CCB Beijing branch in Beijing Jinrongjie, personal credit department staff said that although the two-room down payment is also 40%, but the CCB in the loan interest rate concessions required lenders must be in the first suite of loans in full payment of the case can enjoy interest rate concessions, up to 85 percent discount. In addition, some joint-stock bank credit officers said that the future of the second suite housing policy is uncertain. Pudong Hair Bank in Haidian District, the account manager said, "If the loan is good to check the letter, the second suite down payment can be 40%, the interest rate conservatively said can be preferential to 85 percent, but the possibility of greater concessions is not."　　"And the same is the Pudong Development Bank, located in Xicheng District, Beijing, a branch of the credit department said that they are now doing two-suite mortgage is more cautious, and there are many of the second house mortgage list is pressed, because the observation of the policy will be changed. In order to coordinate with the State Council to rectify the order of the real estate market and promote the healthy development of the market, the CBRC will strengthen the supervision over all kinds of real estate loans, and require the banking institutions to prevent all kinds of risks of real estate credit business and carry out dynamic and　　Differentiated management of individual housing loan policies. "According to market, region and borrower credit status, the loan interest rate is strictly according to the risk price, the first Shengcheng number is implemented dynamically,Prudent management. To ensure real home purchase and trading background, pre-credit review should perform ' face test, interview and home visit ' procedure, crack down on fake mortgage, stop mortgage and illegal fund-raising behavior.　　The head of the CBRC said. Non-tax contributors in Beijing foreign Loans Limited policy not implemented at present, every policy on real estate will cause a strong market reaction. Beijing has also reported that the city is considering a restrictive measure against foreign speculators, and that there will be limited access for home buyers without local tax contributions.　　In response to this situation, the financial weekly reporter also investigated the Beijing Commercial Bank's response. In the course of the reporter visit, the relevant staff of the commercial banks said the foreign buyers home loans have not been affected, so far, the Beijing municipal government has no specific measures to be introduced.　　In the approval of the second suite loan, the main reference standard is the loan applicant's work unit, income level and stability, the first suite repayment situation. On April 14, the Customer Manager at a branch in Haidian District, Pudong Bank, told reporters, "for young people without tax certificates, it would be easier for them to join together to guarantee a loan if they meet the guarantee standards." ”