All over the first set of mortgage 70 percent overhead two sets of loans unprecedented dystocia

The central bank announced a second increase in reserve requirements this year, with banks lending more cautiously.　　　　China Securities News reporter through the bank, real estate and home buyers survey found that the current first-suite down to 30%, 70 percent interest rate has become "empty shell", two sets of mortgages are unprecedented "dystocia", the application cycle has also been greatly extended. This is real. The wind of the mortgage tightening is not a recent appearance, but before the bank, intermediary to the individual mortgage enforcement standards have been relatively vague, "take the Last Bus", "cheap to take quality loans" became the most recent 3, 4 months of hot words,　　But the people who interviewed after the year of the Tiger said that banks are now paying personal mortgages with great care.　　In an interview, Ms. Chen, a large housing loan guarantee agency in Beijing, said recently, the Bank of China merchants first notice that after February 1, a set of mortgages began to implement a down payment of 30%, the lowest interest rate of 85 percent, other still in the name of the cooperation of the banks can still play 70 percent, but also raise down "It may be true this time, because small and medium banks are tightening," he said. Although the news of the banks ' tightening has been heard since September 2009, it is basically once every half month. In fact, there is a more flexible space, especially small and medium-sized banks. Just after the first week of the festival, several banks informed us that a set down payment was raised to 30%, and the previously looser Everbright Bank's business staff also informed us that two sets of mortgages must be strictly down to 40% and the rate of 75 percent. Ms. Li, director of a branch in Beijing, said that according to the head of the headquarters, a minimum down payment for a room would no longer be 20% but 30%, but the rate of 70 percent should also be available. The second suite down 40%, the lowest benchmark interest rate, and at least one months to wait for the loan. She said: "The recent branch policy changes very quickly, the weekly implementation is different." But this time, I personally feel the most tight. "A bank in Beijing, a branch responsible for a loan," Mr. Chiang told reporters: "The implementation is now, the first suite must down 30%, the lowest interest rate of 85 percent; for two suites, regardless of the first set of mortgage settlement, mortgage rates will float 10%, down payment not less than 40%. In fact, I have been the first to adjust to the current level in January. "Down payment 30% did not discuss the end of 2009 so far, the banks around the individual mortgage how much some of the mood, in the operation of the mortgage is very different." But in recent days through the one or two-line cities across the country insiders and buyers of the interview, found that the response is very rapid, like a consensus after the Spring Festival, the first suite loan rate of 70 percent discount has become a notional concept, the actual empty shell; At the same time, the two suites also began to strictly enforce the "State 11" standards.　　In addition, the current time from the application to the loan has been extended to 1.5 months or even 2 months. "Down payment 30% did not discuss, and it is difficult to imagine, now Shenzhen people do the first suite 70 percent?" Because it can't be granted. After the Spring Festival in Shenzhen, the first suite to do 80 percent has been relatively low. "The Bank of Shenzhen branch," said Mr. Tian, "now about the deepChun is that we and the deep Development Bank can apply for two sets of mortgages, and 110% of the interest rate is required, the down payment can not be less than 40%. "In addition, the state-owned banks in Jilin Province, including ICBC, BOC, CCB, the bank no longer dozen 70 percent, has begun to generally implement the first set of mortgage interest rate of 85 percent." ICBC Jilin Province, said Ms. Wang, the bank in principle, the first set of mortgage rate implementation of 85 percent, only to the relatively high quality customers can be as low as 70 percent. Reporter investigation of several joint-stock banks over there relatively loose, a few can also hit 70 percent.　　However, Ms. Wang said, the industry recently revealed that several joint-stock Bank headquarters under the notice, very likely in the near future to stop 70 percent discount. But a handful of banks have left a "Survivor". For example, Citic Bank can now provide a down payment of 20%, interest rate to 70 percent.　　But developers also stressed that the recent loans "bad loan", at least until two months after the bank to lend, then whether the interest rate can be hit 70 percent will not be guaranteed.　　In addition, Xi ' an buyers said that BOC, CCB, Societe Generale said that the current still can play 70 percent, but their caliber and January has not been the same, said that need to seize the time to catch the last bus, because even now apply, also need 1 months to lend, when the situation is not easy to say. Nanjing developer Liao said that there are developers in order to showmanship may be with the customer interest rate hit 70 percent, but he believes that the policy is now clearly tightening the case, no one dares to promise, is to leave a "minimum possible 70 percent" of the Wu Hua just. "The first suite 70 percent interest rates are in no one. He said, "You go to the Nanjing bank to ask, who to do?" We now open the real estate is and ICBC, BOC, the Bank of cooperation, ask which one is the same, down payment 30%, interest rates have to be approved. This approval, basically is 6-8 weeks. ”