A number of banks to stop curve buy a house loan

Skillfully borrow the mortgage curve untie three sets of mortgage loans many banks to stop "curve buy a house" a loan Ye Guojing a quietly popular curve buy house financing road-mortgage consumer loans, has recently been in Shanghai by a number of banks stopped.　　This means that the third set of mortgage "faucet" again tight.　　Yesterday, Kai Shing somewhat, Tak Woo real estate and other Shanghai mortgage trading service to the "First financial daily" reporter said, about just last week, ICBC Shanghai branch and other banks have halted the use of licensed mortgages for consumer loans to buy housing business. Curve buy a house in August, a well-known intermediary of Shanghai ancient North plate deals a curve untie three sets of mortgages: Taiwan customers Mr. Ma bought two apartments in central, "Gubei International Garden", and paid all the money.　　In the course of the transaction, Mr Ma admits that he has also made a "certified mortgage" on other loans he holds, and then used the loan to pay for the third set of housing payments. This "financial technology", in the intermediary agencies are known as "no loans" property "licensed mortgage."　　That is, the buyer can be the name of "no loan" record of the second set of properties, transiting bank mortgage consumer loans products, the curve of the third set of loans to stop lending policy. Wang Yu, general manager of Han Yu Real estate operations, said that since August, the Shanghai city Center has been active in trading transactions, the target of more concentrated in more than tens of thousands of properties.　　One of the ways of buying and selling is that some high-end customers hold a property that is often at least a set of properties without loans, and take the already held "no loans" property "Licensed mortgage", or even loans 70%.　　In this way, after the market supply amplification, there will be sufficient funds to market. According to our correspondent's investigation, lenders can generally obtain collateral value of about 50%, up to 70% of the loan amount. The loan period is up to 20 years.　　Banks ' interest rates are not exactly the same, typically 1.1 times times the benchmark rate; if the house and the lender are well qualified, they can enjoy the benchmark rate.　　Have halted yesterday evening, Shu, the manager of the property Research department, said in a telephone interview with this reporter, about September 8, the company has received oral notice from ICBC Shanghai, mortgage consumer loans for the purchase of the business of a comprehensive suspension of processing.　　Yesterday, industrial and Commercial Bank of China's customer service hotline 95588 staff on the phone explained: Mortgage consumer loans for the purchase of the business, the actual situation needs to consult the relevant business managers.　　China Construction Bank's customer service hotline 95533 gave the explanation: starting from August 11, CCB Shanghai Branch has suspended the third set of mortgage business. Call the bank of China's customer hotline 95566, the answer is that the bank can not handle the use of the loan has been held in the mortgage-free property to buy a house.　　The third set of mortgage business has been suspended. Strict controls on the use of loans "mortgages must be clear about the use of money-not for housing." Yesterday afternoon, Kai Sheng somewhat deputy general manager Zhao Wei in the interview with this reporter said that this is the current mortgage loan way not to carry out the third suiteThe main explanation of the loan. Obviously, this has upset many people's financial plans.　　Shanghai Zhongyuan Property Agency Co., Ltd. a senior executive revealed that it is not uncommon for some customers in the core region of Shanghai to take their loan-free properties to a bank to make mortgage-backed consumer loans in recent times. Zhao Wei analysis, in the suspension of the purchase of the third and above housing loans, the Shanghai Provident Fund Management Center in order to rectify the Provident Fund renovation loan Business work order, Provident Fund decoration loan has been completely stopped. There is no timetable for when the loan will be reinstated.　　The "false warming" of the property market may prompt the government to regulate the property market again through policies such as credit. Han Yu Real Estate marketing deputy general manager Sun Wenqin said: "Three suites loans although some banks can use various forms to play the ball, but in view of the high interest rates and regulatory policies continue to enforce strong, if the short-term investment speculation for the purpose of speculation three suites, the risk is relatively large." ”