Banks complain: It's hard to return to the market.

Source: Internet
Author: User
Keywords The bank said next year the Convention
Tags banking business customers hard market return stop the beginning
-Morning news reporter Lin Li Qiang-intern Kang Fizhen in the middle of last month, the Shanghai Association of banking Industry began to solicit opinions in the industry on the Convention on self-regulation of the Housing Mortgage Loan Business (hereinafter referred to as the Convention).  The Convention requires the Shanghai bank to attains intermediary "rebate".  The so-called "return point" refers to the individual housing mortgage loan competition, some banks and real estate intermediary companies to cooperate with the intermediary referral customers, the bank according to a certain proportion of the loan amount to the intermediary to pay the Commission. Will this ban really happen next year?  Around this issue, the morning paper reporter in recent days to conduct a survey, the results show that although most Shanghai banks are active attains intermediary "return point", but "return point" there are still markets, individual banks even to the intermediary "savings", promised next year "together".    In an interview, some bankers more frankly, to stop the implementation of many years of "return to the unspoken rules" is difficult, the ban is likely to be due to the mortgage market next year the resumption of fire and failure. Some of the banks are still operating in recent days, the reporter to the general look at the identity of the tenant visited Pudong (including the original Nanhui) and other areas of more than 10 real estate agents, to ask "back point" situation. Most of the intermediaries said that the bank to the intermediary "rebate" period has been generally canceled. "At the beginning of the bank in order to pull performance, and intermediary signed a ' return point ' agreement, probably loans 1% to 2%, but now at the end of their task is full, there is no."  "Han Real Estate, a property consultant. Still, three of the respondents said that a handful of banks maintained a "rebate" relationship with them, and that "there are still banks that do ' return", which is less than before. China intellectual property account manager revealed.  and Ren Zhi Real Estate intermediary said, CCB, BOC and other major banks have been canceled "back point", but some small banks have "return point" to. "At present, some small banks are significantly more motivated than the big banks, and the ' rebate ' of these banks remains at 2 per thousand to 4 per thousand."  A real estate agent, who declined to be named, said. For the recent Shanghai, Nanjing, Hangzhou and other land to stop the "return point" approach, some of the banks and intermediaries surveyed that the move to second-hand housing buyers do not benefit, "intermediaries are also operating costs, although they have been charged intermediary fees, but if all banks are stopped ' Back point ', then they will be to the second-hand housing buyers and sellers more intermediary fees, or the original can be discounted intermediary fees no bargaining space.  "Most banks said next year attains although the market still has a different view, but from the survey situation, once became the property market unspoken rules of the" return point "gradually exit the market signs increasingly obvious. Yesterday, some real estate brokerage companies said that the bank of Communications has issued a circular to various property lenders and intermediaries, said the 2009 final lending time of December 11, the settlement will also stop the payment of mortgage fees (that is, "return point"). "The bank is the only one who has written about the fee for the mortgage payment, which is the ' return point '." People familiar with the situation saidMost of the banks in Shanghai have verbally informed the intermediary, next year will attains home mortgage "return point." "Losing the ' rebate ' is a big loss for the intermediary, but next year we have to survive under the new rules." Yesterday, the head of a real estate brokerage company in Shanghai said that after the cancellation of "rebate" policy, the company has communicated with a number of banks, "the feedback from the Banking Operations department, at present, even if some branches hope to retain next year Rebate policy, but they also have to act according to the policy of the head office, if the loan policy will continue to tighten early next year, the ' return point ' would be difficult to maintain. "The Convention has the possibility of a" return to the point "will it really disappear from the market next year? In this respect, the head of the credit Department of a state-owned bank said the overall tightening of the mortgage will change after New Year's Day, when the mortgage market will rekindle the flames of war, "given that most of the bank's high-quality credit resources are still concentrated in the housing sector, so, in the regulatory authorities no longer the introduction of a new tightening policy, mortgage delivery is bound to relax again." And at present the bank second-hand housing loan business still relies heavily on intermediary, in such circumstances, ' return to the point ' of the difficulty of the market.  "According to the owner of a joint-stock bank, earlier this year, the Shanghai banking industry had a gentleman agreement, agreed" return point "up to no more than 0.5%, but in the housing market competition is fierce, the agreement soon," back point "instead of rising, at the beginning of this year even reached 1%-2%. "Under the Convention, it is really a big question whether banks can hold their own." "Most of the banks surveyed said that the competition for home loans is likely to lead to" black-box operation "," ' return point ' can really return to the market, the key to the regulatory authorities to increase the intensity of supervision and management of default of banks or intermediaries if the strict punishment, will play a deterrent effect. " ”
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