A loan tightening stuck to the Spring Festival property market

Recently, a number of domestic bank lending rates have been different degrees of buoyancy, and the two sets of mortgage further norms. Will the property market cool down during the Spring Festival?　　After the Spring Festival market trend? 85 percent It is common for banks to control risk "we have been verbally informed by the bank that the current mortgage rate is basically carried out in accordance with 85 percent."　　"A regional director of Shanghai Zhongyuan Real Estate told reporters recently," and banks to customer information more stringent requirements, the period of the loan is significantly elongated. China Merchants Bank Shanghai Branch a sales department a salesman told reporters: "Now all down payment 40%, first suite rate of 85 percent discount, two sets of mortgages at the benchmark rate of implementation, some even to float 10%." "Is the loan tightened?" The long-standing attitude of banks around the world is becoming clearer.　　Bank of China Shenzhen Branch and Everbright Bank recently announced that the first set of mortgage rates from the benchmark interest rate of 70 percent to 85 percent, Shenzhen Development Bank Shenzhen Branch to increase to 80 percent. A credit crunch is a bank's conscious of risk control.　　Shanghai Banking Regulatory Bureau recently released the 2009 Shanghai Real Estate Credit operation analysis, according to the end of 2009 under the jurisdiction of the foreign banks of the personal housing mortgage loan pressure test results, housing prices down 10% scenarios will be 2.6 times times the normal rate of bad. Price rises fall in the holiday market, the freezing point of this loan tightening, coincided with the property market in a "price rise," the channel. Of the 30 cities monitored by the China Index Institute in January 2010, 90% of the city's newly built commodity houses fell, with a total decline of about 46.42%. However, the average price has not been suppressed. In the key cities, Tianjin gained the biggest, the chain Rose 12.01%, and Shanghai followed, the rise reached 8.71%. BEIJING, Shenzhen rose not more than 5%.　　The prices of several first-tier cities continued to climb, refreshing the record, while the rest of the key cities were slightly adjusted downward, but still at high levels. According to analysis, the first set of mortgage rates from 70 percent to 85 percent, long-term annual interest rate increased by nearly 1%, an increase of 20%. To 500,000 yuan loan calculation, the monthly supply to pay more than 400 yuan, about 4800 yuan a year.　　Han Real estate provided sample survey data show that some second-hand housing customers have no obvious response to the changes in mortgage concessions, "because the policy after the market will have a period of digestion, and the Lunar New Year will come, most of the buyers will pay attention to the price after years." After the end of the market bank attitude is critical because the "last bus" effect of the early release of a large number of housing demand, coupled with the effectiveness of various regulatory policies and seasonal factors, the recent decline in the property market volume is expected.　　The contraction in credit has led to a continued fall in property deals. Zhongyuan Real Estate Regional director said that now the policy is not fully clear, "the years to see."　　Gu Wensheng, assistant general manager of Ka Wah (China) Investment Co., said that the situation after the festival, depends on the parties who can best hold on, which is the attitude of the bank is very critical. Statistics show that 2009 National Real estate loans increased by more than 2Trillion yuan, accounting for the total amount of new loans 20.9%, of which the personal housing increase of 1.4 trillion yuan, the year-on-year growth of up to 47.9%. Real estate Development Enterprises in 2009 this year, the source of funds 5.7128 trillion yuan, an increase of 44.2%, personal mortgage loans of 840.3 billion yuan, growth of up to 116.2%. A loan for the bank and the developers of the heavy, this shows. Xinhua News agency reporter Ye Feng Yiu Yujie