Banking Regulatory Commission to tighten mortgage loans Chongqing Bank has not been notified

Mortgage 70 percent interest rate next February or loose again yesterday, the domestic news of the "Banking Regulatory commission to tighten the mortgage" message.　　Indeed, there are banks "on the ' 70 percent discount rate ' is relatively tight," but some people in the city's housing sector said "this is only the individual banks to control the risk of internal behavior, and so far has not received any department of the instructions to tighten the mortgage." Yesterday, when the domestic news of the "CBRC-inspired tightening of mortgage" message, although "on the ' 70 percent discount rate ' is relatively tight" is the industry's recognized fact that some of the city's banking sector, or hurriedly come forward to the "rumor": so far no departments to tighten the home loan instructions, individual banks "tight"　　Pure risk-seeking behavior; If a home buyer wants to enjoy a 70 percent discount on mortgage rates, wait and see for a while. A said the mortgage policy fundamentals have not changed "we have not received the headquarters of the notice, also did not receive the notice of the regulatory authorities."　　"The head of a local bank mortgage department said that the basic policy on personal housing is still the central bank, the CBRC before the relevant policy." In the down payment, the policy is still the central bank and the CBRC September 27, 2007 issued a document-the purchase of the first set of housing built in 90 square meters below the surface, down payment must not be less than 20%, purchase the first set from the housing construction surface in 90 square meters above the down payment must not be less than 30%; loan to buy the second (including) housing,　　The down payment must not be less than 40% and the loan interest rate must not be less than 1.1 times times the benchmark rate of the central bank.　　　　In terms of interest rates, the policy is still the central bank's October 27 document--Starting from October 27, 2008, extending the lower limit on commercial personal housing loans to 0.7 times times the benchmark interest rate, or 70 percent discount on maximum interest rates. A probe into the tightening of personal mortgages in the year is inevitable. It is inevitable that each bank will take the initiative to tighten personal mortgages by next January. This is the direct cause of the current tightening of the ' 70 percent interest rate ' card.　　"The head of a local bank mortgage department said that since this year, everyone issued more loans, had to temporarily slow down the pace of personal housing growth." "We have also given the branch a proper tightening of the mortgage."　　"The head of a local bank mortgage department said that the branches can not only properly increase the down-payment ratio, but also appropriate to raise the threshold of interest rate concessions."　　　　However, the person responsible also said that for the high-end customers who have good personal credit, they can still enjoy the 70 percent discount on the benchmark rate when they buy the first suite, and "The banks will not cancel the 70 percent discount, just raise the preferential threshold" when the mortgage policy fundamentals have not changed. C suggest buyers wait and see a period of time again in the city of a bank loan department head said, in the regulatory authorities did not formally notice the tightening of mortgage loans, some banks take the initiative to "refinement, adjustment" interest rate preferential policies in disguise to tighten the mortgage, in fact, just a business behavior, isAdjustment. "I think it is only a temporary act for banks to tighten their personal mortgages. "The person in charge believes that, because the banks in the first half of the year to implement a very loose personal housing policy, so after entering the fourth quarter of the focus to prevent the risk of change, many years ago not willing to issue new mortgages." If the regulator does not have a formal notice of tightening until next February, and there is no change in the state's macro-control policy on real estate loans, the pressure on the new Year's lending mandate will probably reopen the 70 percent interest-rate concession for individual mortgages in banks. Buyers may wish to wait and see for a while, and the policy is further clarified.