AgBank and other joint-stock banks have suspended three mortgage approvals

The report of the State Council on resolutely curb the price of some cities in the rapid rise of the notice issued, up to now, the vast majority of banks have been showing attitude.　　However, due to the majority of banks in the three-room down payment and interest rate buoyancy has not been determined, a number of banks to implement more inconvenience, the current agricultural Bank and a number of joint-stock banks have suspended three of mortgage approval. According to the State Council notice, the loan purchase of the third and above housing, the first payment ratio of loans and loan interest rates should be significantly increased, specifically by the commercial banks according to the risk management principles of independent determination.　　The central bank and the CBRC should guide and supervise the management of commercial banks ' strict housing consumption loan.　　Yesterday, ICBC Beijing branch of the credit department officials told reporters that the current Beijing ICBC on the third and above the housing to take a substantial increase in down-payment ratio and loan interest rate of the principle, the specific implementation of the detailed rules are being formulated. A joint-stock bank credit department related people told reporters that the current bank of the branch of the third suite approval has been suspended, waiting for the relevant rules to be introduced. The credit Management Department of Beijing branch of ABC said that for families with two or more outstanding housing loans and once again applying for housing, the first payment ratio and the rate level should be substantially increased on the basis of the second mortgage policy.　　However, as the specific buoyancy is difficult to determine, the bank has in fact suspended the third set of mortgages.　　The question of whether or not to stop lending for the three houses that have risen too fast has also been said by banks that there is a lot of controversy over where prices are rising too fast. Interpretation can not do business is basically suspended the Chinese Academy of Social Sciences, Dr. Li Lichun said, from the wording of the State Council notice, the regulation of the unprecedented determination and strength, coupled with the current real estate market there is a certain bubble, so the banks are also very important.　　Therefore, the current can not do the mortgage business is basically suspended.　　Related construction Bank will raise the price fluctuation big area down payment our new mortgage policy was issued yesterday, in strict accordance with the State Council to curb the excessive rise in prices in some cities of the policy requirements. In addition, CCB proposed that in order to comprehensively consider the local real estate price trends in the region, housing project price, customer credit status and other factors, according to the relevant policy requirements of the Head office, the formulation of differentiated first payment ratio requirements to prevent the value of collateral fluctuations may lead to risk. The proportion of the first payment should be further increased in the area where the real estate price fluctuates greatly.