Bank read Mortgage magic Spell mortgage from housing to buy two suites difficult

The reserve ratio increases, the second house down payment increase, with the National property Control policy has been introduced, recently, a number of banks tightened mortgage loans.　　At this time for the impatient buyers of orders, some institutions are competing to extend the mortgage, fast inscribed and other olive branches, really have great appeal. So, what is the odds of these emergency strategies?　　According to the reporter investigation to understand, in fact not so simple, the so-called workaround, play or "edge". The agency says it has "exclusive resources." Hello, is there a mortgage required? "," I This is consulting company, real estate Mortgage Unlimited use, is there a need? "I am the real estate company, the property mortgage to do, not successful no charge?"　　"In Sunday, Ms. Zheng, who worked in a public institution in Hangzhou, received 3 calls, all of which were related to real estate mortgage loans." Their attitude is very enthusiastic, the contents of the phone is also very attractive. Coincidentally, Ms. Zheng these days is to borrow not to mortgage and worry: she in early April and Sellers signed a purchase intention agreement, a set of 127 square meters riverside House, Total Price 2 million, in accordance with the original 30% down payment, the couple finally patchwork about 600,000.　　Behold, in the process of waiting to do formalities, April 17 The state of a paper notice let the situation suddenly change, this set of improved housing into two suites, down payment to 1 million yuan. "The funding gap suddenly magnified 400,000 yuan. "said Ms. Zheng. The landlord complained that she did not say that the first two suites, Ms. Zheng This side of the opinion is that this is not necessary to explain, and the State policy changes are force majeure.　　The two sides can only freeze. "In your case, we can do it for you, mortgage the bank, and the money is guaranteed and fast." "An intermediary company specifically stressed to Ms. Zheng, with their years of accumulation, and the relationship between the bank is particularly" iron "," our company can take you a good package, so it is easier to lend. "Another person who calls himself the head of a professional financial advisory service is more tone," said Mr Geng, whose sole advantage was the quick inscribed and evaluation of the advantages. When asked how the loan amount was assessed, Mr Geng said: "I am the evaluator, 1.2 million Yuan House, 1.1 million yuan is no problem."　　"However, the other side of the interest rate is also high, 1 million yuan one month interest 9000 yuan, close to usury." Intermediary: The use of mortgages, the bank card is tight at first, it sounds as if mortgage-backed property is a real attraction for homeowners to solve their immediate problems.　　But in fact, there is a huge risk behind those promising promises. "The demand for mortgages is really big now. "Yi Ju letter responsible for real estate mortgage loan manager told reporters, from April 17 to now, more than 10 days demand suddenly expanded two or three times times." It is understood that the demand is mainly from two aspects, one is the impact of real estate policy, the original down payment 30%, now suddenly raised to 50%, a lot of buyers all of a sudden lack of capital turnover.　　Second, the policy on the foreign buyers change greatly. But the bank door was covered. "The bank is jammed.and other rules. "The bank has recently felt a sharp contraction in this area," said manager Yu. In particular, the use of mortgage loans, the bank did not ask too much, and now asked very carefully. "If it is a business loan, it can be discussed, if it is a direct loan to buy a house, then there is no hope."　　Yu manager said that this is relatively convenient for business owners or entrepreneurs, and civil servants, teachers, ordinary staff, etc., often directly by the bank card off. I love my family real estate agent Xiao Song also confirmed this. "And the approval time has lengthened." The original review process 3~5 a working day, it is now clear that can not promise time, and so on a half month is common.　　　　Xiao Song said, some not very sure customer information, they simply do not pass to the bank.　　Mortgage loans For more than 10 years, exempt from the May 2, the central bank announced a rise in bank reserve requirement ratio of 0.5%, so that the property market again, the original hope that the threshold will be loosened home buyers seem to be disappointed.　　Yesterday, the reporter called the workers, farmers, built three state-owned bank loans sector, learned that at present, three banks on the other side of the introduction of the relevant rules, side of the housing mortgage tightening pockets, customer credit review and the use of loans is strictly. At the same time, Bohai Bank, Societe Generale Bank has also followed up. Many account managers say that from around April 20, banks have halted long-term mortgages for 10 and more than 20 years, while interest rates on short-term mortgages have generally risen, from a 10% rise in the original benchmark interest rate to a 20~30% of the benchmark rate.　　In addition, for non-Hangzhou local customers more than one year of mortgage applications declined. "Is definitely a sign of tighter market credit. "Hangzhou, a joint-stock Commercial bank account manager Mr. Xue told reporters, although compared with the state-owned banks, their threshold is a little more loose, but more than before to spend more words, the probability of approval is also smaller.　　For example, the previous loan quota is the house evaluation price of about 70 percent, now can lend to about 50 percent is good, intervention in more than 20 years, even if the school district room can not "accommodation." In the face of the bank's tightening action, the market has some countermeasures.　　Hangzhou, an intermediary agency in charge of the disclosure of a "edge" method: Customers can borrow or linked to the purchase demand for the business use; foreign buyers can find Hangzhou local residents, become locals. However, the industry cautioned that, according to the current policy trend, mortgage loans will tend to shrink, similar to the success rate of the alternative method is not high, or carefully.