Banks raise thresholds to issue third-set mortgages

Three suites loan rules, Guangzhou Banks to request New Express reporter Luo rate Zhang Yi this week, the Guangdong provincial government issued a resolute curb some of the city housing prices too fast, and asked Guangzhou, Shenzhen and other central cities to strictly restrict the purchase of third sets of housing loans and above, Strictly restrict the payment of housing loans to non-residents who cannot provide a certificate of local tax or social insurance payment for more than one year.　　Reporters yesterday found that more than a few banks in Guangzhou can still issue a third set of mortgages, the non-local residents are required to work proof can be.　　High success rate of three sets of high quality clients yesterday, the reporter investigation found that the Guangzhou of several banks can still issue a third suite of mortgages, for non-local residents, in principle, need to provide proof of work income, but not necessarily to achieve more than one year to lend. At present, the four big state-owned banks can apply for the third suite of mortgages, but the down payment and mortgage rates on the level is different. Generally, the three down payment is higher than 50%, and mortgage rates will be at least 10% or higher on the basis of the benchmark interest rate. Some of the major state-owned banks currently have only bank of communications to continue the policy before, that is, the third suite in principle does not grant loans.　　Of the three joint-stock banks surveyed, two have suspended mortgage payments on third homes, while the rest are still being released.　　ICBC, a business person responsible for the loan, told reporters that the third house loans are generally high-quality customers, and higher interest rates, so will not easily stop lending.　　For non-resident residents in Guangzhou, in principle, the banks need to provide the relevant income proof of work, but there is no strict requirement must work more than one year before the loan is issued. Personal housing increase has obviously slowed this year, with the housing market regulation and control policies have been introduced, the real estate markets have become increasingly deserted situation.　　China Index Institute statistics show that in May this year, Guangzhou's commercial housing volume fell by more than 30%, of which the first-hand room turnover of 4-month decline of more than 30%, second-hand housing turnover fell to 2007 years of the lowest level, turnover April decline 32%. And a copy of the banking statistics from the press also suggests that the increase in individual housing loans for major banks in Guangdong province has slowed markedly this year. By the end of May this year, the increase in personal housing loans to the former Agricultural Bank of Guangdong Province branch, ICBC Guangdong Branch and CCB Guangdong branch of the annual increments of 14.7 billion, 11.7 billion and 11 billion respectively, compared to the beginning of the year's personal loan balance increased by 24%, 11% and 16%.　　The bank, which has been a controversial lender of personal housing loan policy this year, has only grown by 8.2 billion per cent in its Guangdong branch, compared with a 9% per cent increase in the year's balance.　　Industry insiders said that with the housing market regulatory policies to further strengthen the bank's personal mortgage business may be a continued downward trend. Major banks three suites down payment and rate list Bank Rate # down payment 10-15% 50% Bank of China Floating 10-15% 50% ICBC floating 11-13% 50% Agricultural Bank floating 12-20% 5.5 Bank of communications suspended third mortgage deep Development Bank suspended third mortgage Minsheng Bank floating 15% 5.5 into Everbright Bank third room loan four main lines Guangdong Provincial branch of the Housing Loan increment table Bank increase in the year than the beginning of 14,700,000,024 ICBC 11,700,000,011 of CCB 11,000,000,016 BOC 8,200,000,009 (as of May)