Beijing banks to halt third mortgage

This news (reporter Shen intern Zhaoyi) reporter visits This city a number of commercial banks found that the third set of mortgage loans can still be "spared" of the bank outlets, yesterday had all ceased.　　According to one bank insider, the bank has ordered a "one-size-fits-all" moratorium on third mortgages as it received verbal notification from the CBRC demanding a strict implementation of the third mortgage policy. The CBRC responded that, in response to the third set of mortgage payments, the CBRC asked the banks: for commodity housing prices too high, too fast, tight supply areas, commercial banks may, according to the risk situation, suspend the purchase of third sets of housing loans and above.　　For the purchase of the third and above housing loans, the ratio of the first payment and the loan interest rate should be greatly increased, which is determined by the commercial bank according to the risk management principle. "Last month I was able to borrow, but I couldn't catch up on the result."　　Ms. Zhang, who wants to buy the school district room, says more than half a month ago, Citic Bank in the Century City branch of the credit advisory learned that, although both himself and his husband have a home loan records, according to the provisions of the purchase will be regarded as a third, but still can obtain loans, but the down payment ratio to 5.5, while the interest rate floating 20%. The reporter learned from the banking industry that, although the CBRC's demand for commercial banks still has "under the conditions of risk" this "mobile" conditions, but the bank for the sake of caution, the initiative to stop lending to the third suite.　　It is understood that the Bank of China, ICBC, Agricultural Bank and other state-owned banks since May this year, "12" issued after the introduction of the third house has been completely stopped loans, and Citic Bank, China Merchants Bank part of the network said just received the notice of the stop loan. Insiders said that the Beijing area of 34.2 billion yuan personal loans, mortgage ratio of up to 95%, one of the home loans accounted for 60%, second-hand housing loans accounted for 35%.