Bank approves two more strict buyer's certificate expedited for early preferential loan

On the mortgage policy shred changes are affecting the purchase of the nerves of the people, the recent purchase of two suite of people found that the bank approval of two more stringent loans, especially in the definition of "improved" conditions, not only to do "production adjustment", but also to the neighborhood committee open "live proof" and seal. Since "State 11" does not mention the concept of "improved type", it points out that "the purchase of housing using loans, the second house purchase, the down payment must not be less than 40%."　　"Some home buyers have to deal with the" expedited ", in order to get the certificate early after the bank loans, so as to avoid possible changes in policy and lose the" improvement "concessions. "Shanghai Four" provisions: to have a loan to buy a housing, and then apply for a loan to buy a second set of housing to improve the living conditions of ordinary residents, before adjustment can be compared with the first purchase of ordinary home, enjoy 70 percent loan interest rate and minimum down payment 20% preferential policy　　Adjustment shall be in accordance with the average housing area before the purchase per capita than the level of the city, and must provide effective proof to enjoy the loan interest rate and the minimum down payment ratio of preferential policies. But recently, the State Council issued the "Country 11" has proposed: for the use of loans to buy housing, but also apply for the purchase of a second (including) more housing (include borrowers, spouses and minor children), the first payment ratio of loans shall not be less than 40%, the loan rate is strictly based on risk pricing　　The city also said it might enact new rules for the implementation of "Country 11". For fear of changes in the future, such as the abolition of the "improved" version. Some second-suite buyers began to find ways to get preferential loans to "drop the bag for Ann" earlier. "Recently received the news from the bank, said that I get someone to do the work permit expedited, because they have entered the trading center 10 days, for the end of the loan."　　"There is a reader to reflect that the expedited production card can really speed up the speed of the certificate, but to spend a sum of money." However, some intermediary company store owner and loan guarantee company in charge told reporters, buyers hope to quickly run the mood of preferential rate loans is understandable, from their current and major commercial banks to understand the situation, a short period of time has not canceled the "improvement" argument.