30% down payment for first mortgage loan not approved or to be paid

Beijing: First set of mortgage 30% full implementation of loans not approved or required to pay welcome to continue to watch the "Economic Information Network," into today's property market new observation. 11 Before the holiday, the state-related Ministry of emergency issued a property market second-round regulation of the new Deal, then, Shenzhen, Fujian, Shanghai and other countries also followed the introduction of the property market "limit purchase order." The new initiative focused on more stringent and explicit rules on home loans, including the suspension of three or more housing loans, the first mortgage payment ratio increased to more than 30%, the first payment ratio of two sets of home loans is not less than 50%, the loan rate is not lower than the benchmark rate of 1.1 times times, and consumer loans to prohibit the purchase of housing and so on. Today is the first day of work after 11 long vacation, how the banks to the new rules on the implementation of the situation. Our correspondent is also in Beijing, Shanghai, Shenzhen, Hangzhou and other key areas of the housing market survey.　　Take a look at Beijing's implementation first. ICBC Beijing Branch Customer Service: "We have now been informed that we cannot apply for a 20% down payment for the first suite." "Bank of China Beijing Branch customer Service:" Now can not apply for the first suite 20% down payment, are 30%. "Through the telephone consultation, the reporter learned that in Beijing, including the Bank of China, Agricultural Bank, ICBC, Construction Bank, traffic banks, Everbright Bank, Merchants Bank, Citic Bank and Beijing Bank, and other banks, are clear that has been notified, in accordance with the first set of mortgage 30% down payment policy implementation,　　And to the new deal before the introduction of the first suite has applied for 20% of the home buyers, as long as the approval has not yet completed, will be notified of the additional 10% payment. ABC Beijing Branch customer Service: "has applied for 20% down payment, now need to pay 10% of the first payment." "Beijing Wei Jia Chit Investment guarantee Company Hao:" May each bank node determines the time is not the same, some banks are based on the loan, some banks are based on loans, if you have a loan before the new deal, it is part of the clearance, so if you do not grant loans, or did not complete the loan, Borrowers may be asked to pay a 10% down payment. In addition, reporters in Beijing interviewed a number of housing intermediaries also learned that the previous was a number of home buyers widely used personal housing consumer mortgages, in Beijing has also been stopped.　　Even before 11, the bank will not be allowed to apply for a mortgage loan. Beijing I love my home Dongcheng District North Warehouse store manager Li Hongjian: "In September, signed the (purchase) list, is the second housing, customers want to use the original house as a mortgage, used to buy a second housing, after the new deal came out, the audit pieces handed up later, the results of the bank now under the new deal does not make loans. "Shenzhen: The new rules for the full implementation of home buyers to make up the first payment to pay the bill, the new rules in Beijing's major banks have been strictly implemented." So what about the implementation of the other first-line housing mortgage policies?　　Then look at the reporter in Shenzhen, Shanghai, Hangzhou Market Survey. Shenzhen, Mr. Wang, September 28, just a local loan in ShenzhenBought their first housing, heard that the real estate New deal, their own mortgage payment may have to increase from the original 20% to more than 30%, Mr. Wang in the National Day holiday after the end, hurriedly to their own home loan of the Shenzhen Development Bank to ask the question. Shenzhen citizen Wang: "Ask them, they say I am still in the examination and approval, now after the new deal is 30% of the first payment." Liubo, retail loan director, Shenzhen Development Bank: The Shenzhen Development Bank has been implementing a new policy since October 1, carrying out a 30% down payment, or a third suite that does not lend, and those customers who have not had a loan before October 1, they have to implement a new policy, that is to say, a down payment of 30% Liubo told reporters that they needed a 5-10-day cycle from the application to the mortgage. As a result of the National Day holiday background Approval department has stopped the approval, so even if the new loan application before the festival, but also to enter the approval process after the section, such as Mr. Wang is still in the approval process of customers, also can only according to the policy request down payment 30　　%。 Subsequently, the reporter in customer status and call the other Shenzhen banks, these banks have no exception that has begun to strictly implement the New Deal rules. Buyers must be prepared to pay the first payment.　　Buyers must measure their own down payment ability to avoid temporary increase in the down payment and bring financial pressure. Shanghai: Three sets of mortgage loans in Shanghai, reporters today also visited ICBC, Construction Bank, China Merchants Bank and other banks, the bank's three sets of loans have been completely stopped, many of them as early as 7 August has stopped three of mortgages. For two sets of mortgages, Shanghai's banks have also begun to strictly implement a down payment of 50%, the loan rate of 1.1 times times the provisions.　　If the loan application is submitted before the section, but if the approval has not been approved, will also be implemented in accordance with the new provisions. Hangzhou has already implemented 30% down-payment bank lending has not changed significantly compared with most other provincial cities, Hangzhou has already ranked high prices in the forefront of domestic cities.　　From Hangzhou's ICBC, Agricultural Bank, Shenzhen Development Bank and other banks to understand that, in order to avoid risk, many banks in mid-April after the first round of the property market regulation of the new Deal, has begun to implement the first suite down payment 30% method. Li Qi, general manager of the Personal finance Department of the Zhejiang branch of Agricultural Bank of China, said: "Before this policy is launched, we have implemented the three, and we have done 30% or even 40% before." "In addition, three sets of loans to stop loans in Hangzhou's major banks have already begun full implementation."　　From these months of mortgage situation, the current bank of Hangzhou's lending volume has not been greatly affected. Du Zhiliang, director of retail credit risk department, Hangzhou Branch, Shenzhen Development Bank: "It should be said that from the Hangzhou market, the amount of lending has not changed significantly." "The Shanghai property market regulation and control rules issued by the markets to cool down the latest state of the new regulation of property regulation by the industry known as the more stringent property market two-wheel regulation, then, Shenzhen, Fujian and other countries also followed the introduction of the property market" limit purchase order. And yesterday, in Xi.The last time the long holiday is about to end, the Shanghai city, which is called the property market vane, also introduced the regulation of the property market. The rules are very clear and strict restrictions on the purchase of the market has caused great concern, the rules stipulate that in a certain period of time to limit the household home purchase units, the provisional Shanghai and other provinces and cities residents can only buy a new set of commercial housing in Shanghai (including second-hand stock housing). In violation of the provisions of home purchase, real estate registration agencies do not accept real estate registration. And for the previous social concern of the property tax levy rumors, Shanghai's implementation of the detailed rules will be positive for the real estate tax reform pilot preparations. Then this regulation of the introduction of new regulations, the impact of the Shanghai property market?　　Look at the reporter's survey in Shanghai. This morning, the reporter came to the Shanghai Pudong South Road, Shanghai Pudong Real Estate Trading center. Here, the reporter saw the whole trading floor is desolate, come to deal with real estate transactions are few people, some windows even no one to handle business.　　The reporter finally found a real estate transactions in the process of housing intermediary staff. Shanghai Real Estate intermediary staff: "Some customers, this side of the words he is limited to buy a room, that is, the two-day policy is still hesitant, there is a time to buy the policy came out, consider not want to buy, feel that prices will fall, want to wait a little bit. The reporter then came to the real estate trading center of the second floor, but found here and the first floor of the hall of the cold completely opposite, the size of the reception hall is full of business people, even outside the corridor are lined up waiting for business people.　　What's going on here? Trade Center staff told reporters, the original trading center of the first floor of the hall is to deal with new applications for real estate transactions and related procedures audit, and the second floor of the reception hall is mainly for the final closure of real estate transactions, such as contract notarization, credit progress inquiries and so on.　　Reporters interviewed some of these business people, they are mostly in the section before the hearing of Shanghai to levy a real estate tax rumors, and rush in before the festival to carry out the housing transactions and the relevant formalities. Reporter: "You come to do what formalities today" citizen: "Transfer own transfer, own house." "Shenzhen: Limit purchase order downstairs city against" blowout "is the September sales performance compared to Shanghai, Shenzhen property market" Limit purchase order "can be said to be the introduction of lightning, in this state property market regulation of the next day, that is, September 30, Shenzhen, the purchase order is closely followed by the launch, then today the limit purchase order has been released 8 days time. However, from the Shenzhen Planning and land and resources Committee to give the data, 11 long holiday seven days Shenzhen total sold more than 2,500 sets of listings, and the previous week the volume of housing compared to the rise. And this also and Beijing, Shanghai and other land during the long holiday property market deserted turnover formed a sharp contrast. The situation in Shenzhen seems counterintuitive. What the hell is going on here?　　To see the reporter in Shenzhen Market Survey. Reporter visited several real estate in Shenzhen todayAgency, staff told reporters, in fact, 11 long holiday, Shenzhen, a second-hand housing transactions are very bleak. Central Plains Real estate market director Wang World: "October 1 Shenzhen Limited purchase order after the introduction of Shenzhen volume is frozen volume is a sharp decline in our sales office from the response to see at least 30%-50% down." "U.S. joint property manager Baisianto:" 1th to 7th this period of time in Shenzhen second-hand housing turnover is basically stopped down the chain of September turnover is basically down about 80% of the hand room turnover also dropped 30% 40%. However, the Shenzhen real Estate Information network to provide data shows that 11 long vacation 7 days, Shenzhen House total turnover of 2538 sets, of which only October 1 and fourth, respectively, sold more than 600 sets. What's going on here?　　In fact, most of these deals were signed at the end of September, industry insiders said. Shenzhen Real Estate Information Network Marketing Director Zhou Cojun: "In fact, October 1 to 7th of the turnover is very little we can see from the transaction of the property is already sold before October 1, but our system registered property is basically in the opening around September 20 of those real estate So we can see from here that in fact this more than 2,500 sets of houses from October 1 to 7th between the approximate deal will not be more than 20%. "Zhongyuan Real estate market director Wang World:" Because from the signing of the book to sign the formal contract to the Land Bureau to record this need about a week time so we are now on the Land Bureau's website to see the transaction data actually one weeks ago data. "Is this really the case?" The reporter then also call Shenzhen part of the real estate, to understand the 11 holiday period of sales.　　Developers admitted that the restrictions on the purchase of the sale has indeed caused a certain impact. Shenzhen, a real estate developers: "Shenzhen basically does not have any property sales is very good is not the first home purchase property will be good to sell some, such as small-type down payment due to the impact of large funds." "Financial Link: Real estate shares today, the introduction of real estate New deal, not only is the real estate market in the emergence of changes in the capital market, real estate stocks, but also in the interpretation of the different market, today's stock market outside the stock market strength, such as the promotion of multiple factors, the first trading day after a" start ", the stock index both rose more than 3%, The Shanghai Composite Index was a successful recapture of 2,700-point integer digits.　　The performance of property stocks is particularly noteworthy. Today the Shanghai and Shenzhen stock market is about 1% high. The Shanghai Composite Index opened 2681.25 points and easily topped the 2,700-point integer. Close to 2738.74 points, the last trading day before the festival rose 83.09 points, up to 3.13%. Deep card exponentially plate rose for a while more than 4%, closed 11911.37 points, up 442.83 points, up to 3.86%. Shanghai and Shenzhen stock in a general rise trend, do not count St shares and not share reform shares, the two Cities 36 stock trading.　　It is noteworthy that the Shanghai and Shenzhen Two transactions effective amplification, the total amount of breakthrough 280 billion yuan, this than the last day before the festival soared nearly 50%. Today's market of real estate stocks, is the focus of many places, under the National Day of Shanghai issued a new deal rules of the property market, real estate stocks early is a big low open, but at about 10, by the market strong stimulus, real estate stocks rapidly turn red. As of today's close, the real estate index rose 1.19%, the vast majority of real estate stocks to achieve a rise, the highest rise of the gorgeous family, there has been a trading limit. Vanke, the leading stock, Rose 0.48%. For the trend of real estate stocks, many institutions today that, following the introduction of Shenzhen, Xiamen and other parts of the City "limited purchase order", the regulation of the property market in Shanghai came out on the evening of 7th, and the rumor of the property tax did not come on schedule. The new round of regulation is mainly in the suppression of speculation in the house of Behavior, from the suppression of speculation in the house at the same time to control the upward trend of house prices, Therefore, these news to the real estate sector has not formed too much repression. The news was clear and led to a strengthening of property stocks today.