Beijing 10 Bank visit: Some intermediary can change two suite room

Each bank two sets of mortgages insist on a down payment of 40%, Huaxia Bank to improve the housing still according to the first set, Minsheng Bank two sets of the lowest interest rate dozen 71 percent financial weekly retail banking laboratory researcher Yinna/Wen recently issued the State Council "to promote the steady and healthy development of the real estate market notice", the two suite down payment and loan rates are set strict requirements.　　Financial Weekly reporter to the Beijing Bank implementation of the second suite of the relevant policy situation investigation found that some banks said that there is no official documents, but down payment 40%, according to the family as the unit to define two suites two indicators are basically unified. But in terms of loan interest rates and concessions, the difference between banks is very large.　　For example, some banks say that the current rate of two suites should be 1.1 times times higher, while some banks say they can hit 71 percent or 85 percent. Down payment basic 40%, some banks can do improved 30% down-payment reporter in the interview mentioned second suite, most of the bank's response is a down payment to 40%.　　Some banks also say they can make improvements. Financial Weekly reporter Consulting Huaxia Bank Credit department, a staff said: "Now we have not seen the official documents, two suites should be through the intermediary to buy, a lot of things to do with the specific handling line to negotiate." At present, the down payment should be no less than 40%. But also depends on how big the house is, if the area is more than 90 square meters, it must be four. "Financial Weekly reporter continue to consult if it is less than 90 square meters of the house?"　　The person said, if it is less than 90 square meters, to see if it can be made to improve the type, if you can do it can still be a set of rooms to go, that is, down payment of 30%, but it must be to see how the specific handling line how to define.　　Minsheng Bank Credit Ministry Personage also said, two suites down payment not less than 40%, the second suite is defined as "households", that is, spouses and children.　　As for the standards of improved housing, the current standard of implementation is the 2007 standard, that is, the household per capita area of less than 20.3 square meters, or there is a house but in the field can also, in line with such improved housing conditions, you can be the first-suite down payment ratio to go, that is, down "The first suite is less than the average housing area in the city, and the second suite can be improved," a person told reporters.　　However, the reporter also learned that the improvement of housing specific standards of implementation is relatively loose, the bank can control the space is relatively large. Second suite interest rate can be hit 71 percent, the bank offers different financial weekly reporter in the interview process found, some banks say the two-room interest rate is a discount, some said it is floating, for example, a Chinese bank lending department said: "Two suites interest rate should be on the float, the first suite or the improvement is discounted, The second suite is now 1.1 times times as buoyant. But banks have largely failed to do so, rather ' to quell ', or to follow the benchmark lending rate. "And another person who is also Huaxia Bank said that the second suite discount strength is 85 percent, that is, the base0.85 times times the quasi interest rate. Financial weekly reporter from a branch of ICBC also learned that ICBC's provisions are two suite down payment is 40%, and interest rates can not float down 30%, but the discount of about 20%.　　However, the specific situation is to look at the People's bank credit system in the personal credit situation, a good credit record can be relatively high percentage of the float. Minsheng Bank discount on the strength is relatively large, people's livelihood bankers told reporters, two suites Minsheng Bank can be made 71 percent.　　From the current point of view, the second suite loan 70 percent is completely impossible, the lowest is the Minsheng Bank of 71 percent. CMB said that if the customer first suite area less than the local average housing area can be as improved housing, then still can be down 30% down, interest rate hit 70 percent.　　If not, then a down payment of 40%, interest rate floating 10%, the base rate of 1.1 times times. One person at Societe Generale said: "The two-suite down payment must be 40%, but now according to the regulation, is already a risk pricing, that is, in terms of interest rates, according to the customer's qualifications, work, asset status, credit records, etc. to judge whether to give concessions.　　The person said that the offer is possible, but there is no specific preferential margin, different customer preferences are different. One-hand room, second-hand housing loan requirements for different ICBC a person told reporters, in the bank to do two suites loans, but also to see whether the real estate is a primary or second-hand housing.　　Generally one-hand room will have developers designated banks to lend, and second-hand housing will generally pass intermediary, there is a handling line. "If you want to come to our bank to make a loan now, but your house is a new home, that is to say there is no property card house, I have no way to do it for you." Because I can't give you a stage credit guarantee. You can do it with a loan guarantee or a mortgage guarantee.　　The ICBC said.　　The person suggested that the solution to such problems could be to "mortgage" the original suite. "You can mortgage your existing property, then come to me to loan, but may be longer, the original property mortgage, these procedures will take about three weeks, may be very high capital requirements, or now need to borrow, time is relatively tight, the situation is difficult to do.　　The person said that the bank loans will refer to the People's bank credit system in the personal record, credit records on the loan interest rate concessions have a more flexible role.　　Part of the intermediary can still operate the second set of financial weekly news reporter in Beijing, some intermediary agencies visit to understand, a real estate intermediary said, generally with the real estate intermediary after consultation two suites can also do a room. A Beijing housing agency told reporters: "Now two suite down payment is 40%, the interest rate is floating 10%." "This person also said that if the intermediary to buy a house, you can basically do a room, such as a family, husband has a house, you can use the name of the wife to buy, of course, intermediary need to" do some hands and feet ", down payment thanExamples can still be executed in accordance with a set of 30%.　　In addition, for interest rates, the person said that they can also enjoy a 70 percent discount, but first of all to make a floating 10%, that is, 1.1 times times the benchmark rate, and then hit 70 percent. But this premise is to be in the intermediary designated bank to do the loan, which involves the intermediary and the bank of the return point between the intermediary and the return of the high bank cooperation, will introduce customers to the bank to do the loan.