Banks will still be able to detour down the down payment

Every reporter Li from Beijing "We can through the guarantee company for customers to reduce down payment, this can be operated."　　"Although the new deal stuck down the bank's down payment, some of the agencies in the press survey still said they were able to reduce the down payment and get more bank loans through contract operations or guarantees." Bank: 30% down payment cannot evade according to reporters understand, the current Beijing's major banks have begun to stop the third suite of loans issued. Among them, ICBC, ABC, CCB has made it clear that the current mortgage has been fully in accordance with the new mortgage policy implementation. "Down payment 30%, there is no way to avoid it."　　The above-mentioned bank staff all said that the down payment is difficult to discount. Although during the 11 Golden Week, the heat of the property market is not because of the new deal and cooling, but after the holiday, bank loans deserted situation has been reflected. "It is true that no one has come to the loan, which has a direct impact on us," he said. Stop three sets of mortgages, plus the strict implementation of two suites, a set of room down payment ratio, many people want to buy a house also need time to raise money.　　"When asked whether the new deal would affect bank performance, a bank worker told reporters. September 29 issued a new deal, "the country Five" clear provisions, the commercial banks suspend the granting of third-and above-housing loans to residents ' families, and suspend the purchase loan for Non-resident residents who cannot provide more than 1 years of local tax certificate or proof of social insurance payment, and adjust the ratio of first payment to 30%.　　And above, the family that buys the second housing for the loan, strictly enforces the rule that the first payment ratio is not less than 50%, and the loan interest rate is not less than 1.1 times times the benchmark rate. Intermediary: Make high contract price increase loan amount "first payment" this may be difficult to further discount, we can through our own guarantee company to provide customers with the assessment of price 60%~80%, interest rate will be lower than the bank lending rate or flat.　　"Beijing a well-known real estate intermediary company related personnel to the reporter said."　　According to the reporter survey, the current ICBC's first set of mortgage rates can still enjoy 75 percent discount, and AgBank needs in the lender related credit conditions on the basis of better, give customers 80 percent-85 percent discount. Staff of the above-mentioned well-known intermediary also said that under the current new deal, to reduce the first payment is difficult to operate, but can make high contract prices to increase the amount of loans.　　But the specific procedure, the person said is not familiar. In the new deal, also clearly said to increase the housing market inspection efforts, according to the law to investigate the agency speculation, drive up prices, encourage customers sign "yin-yang contract" and other acts. However, some 70% of all deals are sometimes done in low price contracts to avoid taxes, the person said. According to the relevant intermediary structure of the staff, the purchase of various tax rates together, almost 7.5%.　　For homebuyers, this is a big sum. Although the agency has repeatedly said that the buyers can minimize costs, but many people still worry about through the intermediary operation,Although can reduce the down payment to raise the loan, but still has many risks hidden danger, especially through the contract valuation and so on way. "If we can operate, we will certainly not risk our customers."　　Another intermediary company staff said that through the guarantee company can ensure that buyers are not subject to additional risk interference. Another reporter learned that the new deal did not mention the Provident Fund loan part to implement the New deal, but the relevant banks in Beijing has begun to stop the Provident Fund loans down payment concessions. "The previous Provident Fund loan down payment can do 20%, but now must pay 30%."　　"CCB related staff introduction, Provident Fund loan interest rate is relatively low, compared to the preferential commercial loans, still have advantages."　　Curve lower down payment means: The real estate intermediary through the guarantee company to provide customers with the assessment of price 60%~80%, the interest rate will be lower than the bank lending rate or flat. Make a high contract price increase the loan amount