4 Cities, 2 Mortgage survey: Tightening of the arrow winding part of the area cited without hair

Every reporter Hu Junhua Huang Huimin Lucho Zhang Wei from Shanghai, Shenzhen, Guangzhou, Beijing, the first half of the housing market, there are no more than two mortgages, but from the current point of view, tightening the potential of two sets of mortgages has been "mountain rain to come." First China Banking Regulatory Commission issued at the end of June, "on the further strengthening of mortgage risk management Notice", chairman of the Banking Regulatory Commission, also held in the 2009 third economic and financial situation briefing, stressed that to control the risk of real estate loans, strict implementation of the "Second Suite" standard,　　Strictly according to the regulations to implement the mortgage loan ratio and the loan interest rate, the investment housing should adhere to the first Kang Gaocheng number, the interest rate of strict risk pricing and credit strict review of the principles.　　According to a recent field survey of two mortgages in Beijing, Shanghai, Shenzhen and Guangzhou, the Daily economic news has found that the tightening of two mortgages has been offing, although pressure from the regulatory level has not been immediately effective.　　Beijing: "No one dares to wind up against the wind." It is reported that two sets of mortgage policy once outside the lax, bank credit institutions and developers secretly in the implementation of their own private "preferential policies", the second or even the third set of loans can still play 70 percent has become a bank mortgage "unspoken rules."　　The reporter to loan the identity of the home buyers, consulting a number of commercial banks in Beijing, although the two sets of mortgage enforcement standards for 40%, interest rate discounts are still resilient, but two sets of mortgage policy tightening is spreading. "At present, we have two sets of mortgage implementation standards in accordance with down payment 40%, interest rates as the base rate of 0.71 times times to operate, there is no notice of the relevant change standards, but this standard may change at any time."　　Minsheng Bank customer service staff told reporters.　　ABC Branch of the Agricultural Bank of a customer manager told reporters that the current bank for two sets of mortgage payment requirements in more than 40%, and in the current market situation, the implementation rate must be higher than 70 percent.　　The reporter to Everbright Bank Customer Service Center for consultation, was told about the two sets of mortgage needs to the local loan branch to apply for approval, the loan sub-branch will be based on the first set of mortgage repayment situation to assess the customer's qualifications, as a reference to two sets of mortgage rate concessions. An unnamed new disc sales staff, in their charge of real estate loans, can still enjoy two sets of mortgage concessions, according to their agreement with the Cooperative bank, two mortgage buyers can still enjoy a down payment of 40%, interest rate of 70 percent discount.　　But the sales staff also said that the Beijing two sets of mortgage policy tightening the wind is growing, this kind of discount may only be temporary phenomenon, the company will be issued according to the policy of the relevant provisions of measures, will be strictly in accordance with the provisions of the standard implementation. A bank of the mortgage department in an interview, said that at present, the CBRC issued to the commercial banks under the notice, in fact, there is no explicit restrictions on interest rates, but in the down payment, 40% is mandatory, less than 40% is certainly illegal. "According to the current situation, the regulatory department's goal is clear, two sets of mortgage policy tightening is not groundless, no one dare to wind upcase, to take that risk, "he said," it remains to be seen whether banks are unifying 1.1 times times the benchmark rate of two mortgage rates. " From the reporter's visit to the consultation can be seen, buyers directly in the bank loans, the banks in the down payment is not allowed to break, 40% down the threshold is difficult to breakthrough, although the interest rate can be recorded by repayment, qualification and the bank consultation, but the interest rate of 70 percent discount also sooner or later become the past, two sets of mortgage policy tightening is like offing,　　Hair-trigger。 Shanghai: Credit review is increasingly stringent the Shanghai Banking Regulatory Bureau released a Sunday press release saying Shanghai banking Regulatory Bureau has recently forwarded the China Banking Regulatory Commission recently issued the "on the further strengthening of mortgage risk management notice," The requirements in Shanghai banks in strict accordance with the spirit of "notice" to effectively prevent mortgage loan risk,　　Promote the healthy and orderly development of mortgage loan business. In particular, the Shanghai Banking Regulatory Bureau stressed that banks, while insisting on the need to support borrowers to buy their first set of housing loans, to strictly abide by the second set of mortgage policy is not shaken, should not be based on the network of credit system, remote purchase difficult to investigate, such as the abandonment of "two sets of mortgage" policy constraints, not to explain the "two sets of mortgage" criteria,　　The proportion of the first payment shall not be reduced by any means. A reporter survey found that several banks in Shanghai have been issued two sets of mortgages cautious attitude. PU FA Bank Credit Department a person told reporters that the current transition period of policy adjustment, the bank's loans, including the first suite loans and two suites loans, such as the pace of loan approval has slowed. For buyers, in the bank to apply for two sets of mortgages can still down 30%, banks will take into account the age of buyers, work units, income and other comprehensive situation, give a loan interest rate.　　Second suite lending rates are generally lower than the benchmark rate, but will be higher than the 70 percent discount rate.　　The person also reminded real estate investors, the current level of purchase of two suites is very low, but also to consider the situation, because the mortgage interest rate will float, mortgage rates have reached a historical high of 7%, investors can not because the current interest rate down the market, but also to consider the long-term affordability. A state-owned bank, a credit ministry, said the bank's current two sets of mortgage policy is down payment 41%, 70 percent interest rate concessions.　　The person also said that although the Shanghai Banking Regulatory Bureau has been aware of the strict implementation of the two set of mortgage standards of the notice, but the bank has not received formal notice, it is expected that two sets of mortgage rates will still be able to enjoy 70 percent discount, but this discount can continue for a long time, it is still unknown. Another joint-stock bank lender does not doubt that the future of the two mortgage policy will tighten. The first half of the bank has been executing a down payment of 40% and a 10% rise in interest rates, the person said, so the bank's mortgage business in the first half was less than that of its peers.　　But for now, the time has come to tighten two of mortgages. For real estate agents, the first half of the banking mortgage loan full time to relax is gone. A real estate agency told reporters that many two suites in the first half of the year can perform a down payment of 30%, 70 percent interest rate concessions, but now look, thatIs the first suite house buyers, generally also want 30% down payment, at the same time, the bank in the audit of home buyers are also increasingly strict, not only the verification of the project more and more, the audit time is getting longer.　　Guangzhou: Two sets of mortgage tightening has not been implemented?　　The implementation of the "notice on further strengthening the risk management of mortgage loans" issued by the CBRC recently, Guangdong Provincial Banking and Regulatory bureau related to the daily economic news, said the CBRC issued a notice of the existence of the agencies and branches can not be reached at the same time, for the specific implementation of the situation still need to understand to answer. Industrial and Commercial Bank of China Guangzhou branch account manager told reporters, "We have received the CBRC to tighten the second mortgage notice, the second house down payment can not be less than 40%, interest rate floating 10%, but not yet implemented."　　According to the introduction, at present the bank still according to the current two sets of mortgage policy: down payment 20%-30%, the interest rate can be as low as 70 percent. The account manager has not forgotten to remind reporters, if you want to buy a second suite, we have not yet implemented the new rules hurriedly contact processing.　　She said that at present when the new rules and the old rules handover, the down payment and interest rate standards will be defined on the date of the contract, to buy two suites best before the new rules. Reporters in a Guangzhou branch of China Construction Bank received a similar reply, a Customer manager said, although heard that two of mortgages tightened, but still under the old rules, the second suite down 30%, the interest rate in the current commercial loans over 5 years of 5.94% of the standard hit 70 percent.　　However, she said that the minimum down payment to pay 30%, now can not do a down payment of 20%. In addition, the reporter visited a number of housing intermediaries, including the full house, home and lush real estate, and so on found that the second suite if the purchase is second-hand housing, down payment of 30%, the interest rate is only 20% downward.　　As for the implementation of the new policy, the perception of housing intermediaries is uneven, and individual housing intermediaries are not aware of it, saying that even if the new policy is introduced it will not have a greater impact. There is news that, because the bank branches, outlets have a heavy business burden, so in a number of front-line network in the actual implementation of a certain degree of flexibility.　　It is said that at present more concessions are given to bank branches, and mostly because the previous business volume did not complete the branch. Full House Red China's chief researcher Longbin said that there is no new policy implementation, may be the commercial banks need to have a buffer period before implementation.　　Industry insiders said, although the new rules have not yet been implemented, but many banks have asked the outlets can not easily make a promise to two of mortgages. According to Longbin introduced, if the strict implementation of the new rules, the second suite market will have a great impact. A 2 million of the house, down payment of not less than 40%, single down payment is the original one times, plus the floating rate of 10%, the interest is also more than hundreds of thousands of.　　For the current high property prices, the second suite of turnover will appear quickly slowed. Shenzhen: Expedited discount for two sets of mortgage payment 40%, interest rate floating seems to have become the banks of two sets of mortgage standard "stick". According to a reporter investigation, found thatSo far, some banks do not seem to be paying close attention to two sets of mortgage standards.　　"Notice on further strengthening the risk management of mortgage loans," the news of the mortgage-tightening issued to the broad and deep banks has been flying, since last week, some banks have accepted two sets of mortgage standards have been strict, only some of the quality customers in interest rates and down payment can enjoy a certain discount, a Shenzhen banking industry told reporters. For the above notice, some banks said they have not yet got the documents, but said that buyers such as buy two suites, the loan interest rate is likely to float. Reporter visited a number of banking outlets in Shenzhen, found that the purchase of two suites, different banks have different standards, in the minimum down requirements, ranging from 20%-40%; the majority of buyers pay attention to the interest rate is also a big difference, some banks say interest rates can be up to 30%, the bank is up to 25% downward,　　Some banks say they want to float 10%. A Shenzhen Bank loan ministry Personage tells the reporter, buys two suites, the down payment may give 20%, but the interest rate cannot float down 30%, the line can only do the downward float 25%.　　Shenzhen's previous 10% down payment almost disappeared, the person said that even if buy a first suite, "10% down payment can not be done." "Two mortgage payments are paid at least 40% of the first payment and interest rates rise by at least 10%," a Shenzhen bank customer service told reporters. Asked if it was possible to enjoy a preferential rate or reduce a down payment, the customer service firm stated that the bank had no way to give customers preferential treatment at the national rate. Later, when the reporter consulted two sets of mortgage loans at the bank, he received another answer. A loan manager specifically told reporters, buy a second suite, "interest rate hit 70 percent, the maximum can be 80%, that is, down payment can only give 20%".　　In addition, the manager told reporters, buy first, second suite enjoy the same discount. Reporter from Shenzhen, another bank loan manager learned that the branch has not received the head office or other aspects of the tightening of two sets of mortgage, but also to reporters frankly two of the relevant policies are to be issued, the time is unknown. He said that before the policy came down, customers can still enjoy the preferential treatment of two sets of mortgages, but because the two sets of mortgage tightening policy is expected to be issued soon, so if you want to deal with the false before the policy.　　"Before the policy came down, buy two suites, can pay only 20% down payment, the rate hit 70 percent", the manager told reporters, now for two sets of mortgages, you can also enjoy concessions, but to deal with, and fear in the process of handling this business will receive new policies and can not meet the commitment to give customers preferential treatment. Shenzhen, a real estate intermediary manager told reporters that each bank to give two sets of mortgage concessions are similar, down payment generally at least 30%-40%.　　But he said that if he had an acquaintance, buying a second suite would still be a 20% down payment, and most would enjoy a 30% discount on the rate cut. Calculate a lump sum to invest a set of 2.5 million yuan, 30 repayment period of housing, matching principal and interest repayment method, if the implementation of a down payment of 20%, down 30% discount rate (4.158%) of the two sets of mortgage policy, then the buyer's first paymentFor 500,000 yuan, the monthly for 9733 Yuan, the cumulative pay interest of 1.5 million yuan. And two sets of mortgage policy tightened, become 40% down payment and 1.1 times times interest, the Downpayment is 1 million yuan, monthly for 9510 yuan, the cumulative interest is 1.92 million yuan. Buyers paid 500,000 heads of state and 420,000 yuan of interest costs.