Agricultural Bank of Guangzhou suspended two mortgage loans ICBC recommended last bus

Delivery, Citic, Societe Generale, Huaxia and other Guangzhou outlets, said, "We recommend that customers have the exact need to handle early, in order to enjoy the current more favorable policy" financial weekly retail banking laboratory researcher Li Wenshan slip fly/Wen in the first week of 2010, the real estate policy and monetary policy tightening boots, are falling.　　Financial Weekly reporter visited 21 banks in Guangzhou, visit the bank under the huge policy change pressure, how to deal with two of mortgage applications. BOC implementation of strict, agricultural bank suspended two applications, ICBC, CCB recommended "Last Bus" "The State Council on the second suite of related policies" notice "the next day, our bank of the emergency meeting. Sub-branch in the second suite of customers audit and lending, the down payment must reach 40%, the loan interest rate in the benchmark interest rate or floating between 10% float.　　"Three of BOC's Guangzhou branch staff interviewed by reporters said. "Banks want to hurry up and lend before the end of the year," he said. The country's recent policies have made everyone feel the government's resolve. So we are now afraid to exercise the so-called overtly, after all, BOC is a state-owned big line, which involves the Bank of China's national policy implementation of the problem.　　Said the president of BOC Guangzhou branch. ABC Guangzhou zhujiang swimming Farm A branch of the credit director said, "At present, the policy level of the state has been down, but we do not have specific implementation of policy measures, so we do not accept the client second Suite loan application; But it should be the strict implementation of national policy measures. "At the same time, the loan director said," The year ago should be the bank soliciting, the good time to rob the mortgage, but given the national policy, financial environment and other changes, the bank is now more and more pay attention to a loan to slow down the malt, do not urgently need to complete the loan task. Because the branches do not violate the general principles on the basis of the loan business has a lot of autonomy, the branch president for various considerations may also appear to suspend the application of the client's two mortgages. "CCB Guangzhou wuyang New Town branch staff said," The current line of official documents have not issued, to do preferential two sets of mortgage policy to hurry, we will speed up the processing, in order to enable customers with demand to enjoy the last bus concessions.　　"From the staff to know that, such as the customer application for the second suite loans can also enjoy a down payment of 30%, the highest interest rate down 20% discount, the condition is to have four kinds of financial products CCB: such as credit cards, online banking, funds, insurance and other CCB products or in its processing products. ICBC Guangzhou Haizhu Branch of a credit manager to reporters that "if the customer bought two suites is a first-hand room, it must be carried out in accordance with national policy; if second-hand housing, down payment is only to 30% on it, interest rate is the benchmark interest rate." "Joint-stock banks advise customers to deal with preferential loans early, the CMB fee-Free State-owned banks are not worried about the completion of loan indicators, their lending business is basically not a problem." So the pressure on the loan business is relatively large sharesWhat is the reaction of the system bank when it receives the "policy wind"? CMB Guangzhou Dongshan Branch staff said, "for the two suite of the determination, we will be individual units to determine whether they have a second suite for the standard." After the bank verified the two suite, will be based on the down payment to 40%, the interest rate as the benchmark rate of the implementation of the standard.　　"It is understood that CMB is currently in order to better develop a loan business, from now until March, to the Merchants Bank for personal loan business customers will be exempted from all fees." "The country's policies need to be strictly adhered to and we attract customers through other concessions, such as provincial fees."　　The worker said. Coincidentally, the reporter visited Minsheng Bank, Bank of Communications, Citic Bank, Societe Generale, the results of the survey is basically expatiating. "Our branch has always been in the two suite loan policy is to use a down payment of 40%, the interest rate floating 10%." This State Council regulation is a new reaffirmation, not the introduction of new policies, which should further arouse the attention of banks and customers.　　Minsheng Bank Guangzhou Guang Wei Road near a branch staff said. The visit of the bank, Citic, Societe Generale, Huaxia and other branches said, "because of the current state of the property market loan policy fluctuations or relatively large, many customers take a wait-and-see attitude." Second suite policy also caused customers to a set of housing loan policy attention, suggested that customers should have the exact need to deal with earlier, in order to enjoy the current or more favorable mortgage policy. "Foreign banks to determine the standard is different, in the evaluation price, the Citi interest rate can float the foreign bank in the lending aspect seems to be a little" marginalized ", then they have what coup? A staff member of Hang Seng Bank said, "the minimum down payment for two suites is now 40%, and the interest rate on the basis of the benchmark rate, does not float is a discount." "But in the two suite, the staff said," Whether it is a loan to buy a house or a one-time payment to buy a house, as long as the housing Authority has your house property records even two suites, if we did not find a room. "Citi is the same as East Asia in determining the standard, according to whether the central bank's credit system has a record of loan purchases." "If you have a loan-buying record in a bank's credit system, it belongs to the two suite, and if you don't, whether you own the first suite or not, it's the first time you buy a home," said a Citi bank official. "Citi and East Asia also differ in the down payment and interest rates that lenders are most concerned about." In terms of down payment, both banks insist on a minimum of 40% per cent, and the Bank of East Asia says that it is generally going to float 10%, at the lowest level, at the benchmark rate.　　Citi staff said the benchmark rate could float 30%, even if the policy came out. The previous two suite rules left a lot of leeway.　　Even if the "new rules" of the two suite once again, banks still have the space to play the edge. Citigroup, Hang Seng Bank and Bank of East Asia all said that if they wanted to borrow a little more, they could raise the point appropriately in the assessment, which would help investors solve the problem of insufficient funds.Citigroup's staff, for example, if the transaction price is 1 million, the general assessment price is much lower than this, but we can evaluate a little higher, more than 900,000 of the way, so you can borrow a little more money. A manager of the bank's Tianhe City Network said, "Now the policy is out, we are strictly in accordance with the regulations, there is no reduction of the first paid interest rate of preferential policies." ”