BEIJING, Shenzhen, Hangzhou four banks to stop the third set of mortgage

Beijing's banks have ordered a total stop to the third set of mortgage reporters visited Beijing, 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 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%. Hangzhou completely stop the third house loan buyers: Fancy of the room can not buy the news yesterday, China's Banking Regulatory Commission recently suggested that the commercial banks in Beijing, Shanghai, Shenzhen, Hangzhou, the third set of mortgages. Then the reporter contacted Hangzhou several banks, have received such a reply.　　Although the Zhejiang provincial banking and Regulatory Bureau said yesterday that there is no news of this, nor let the banks to suspend the third set of mortgages, but the reporter learned from the banks, the bank has basically been informed by the Head office, a comprehensive halt to the third set of mortgages.　　Deep Development Hangzhou Branch Personal Loan Center Director Du Zhiliang told reporters, in fact, the market is now the third set of mortgage is very little, so the suspension of three housing loans on the real estate market will not have much impact, more likely only psychological impact. Shanghai Bank basically suspend third set of mortgage business Shanghai Commercial Bank's third set of mortgage business has been basically halted, as of this morning, the Shanghai branch of the Agricultural Bank of China made clear that the headquarters of the notice has been suspended for three sets of mortgage loans, and many other state-owned commercial banks and joint-stock banks although not　　But it has ceased operation in practice. It is understood that most of Shanghai's banks in the State Council in April after the new deal, has taken the initiative to slow down or gradually suspend the third set of mortgage payments. A state-owned commercial bank staff said that the bank has already been inside the notice, in principle to stop the issuance of a third set of mortgages, although some customers may still be able to obtain loans, but also a very rare case, the third and above the mortgage on the down payment of more than 55%, the interest rate also reached 1.15 times　　China Merchants Bank, Everbright Bank and other joint-stock commercial banks in Shanghai branch from the New deal issued in April, on the strict regulation of the third set of mortgage business, is currently not accepted the third set of mortgage applications. Shenzhen close three sets of mortgage door reporter learned that, in 5 June, Shenzhen Development Bank Shenzhen Branch, Bank of Communications Shenzhen Branch and other commercial banks in a substantial increase in down payment and loan interest rates on the basis ofAllowing three of mortgages to be issued, now that has changed.　　During the visit, the reply from bank loan officers and intermediaries was unanimous: the door to three mortgages in the Shenzhen area was closed. A bank credit professionals told reporters that the Shenzhen banking Regulatory Bureau has been out of information, the second half not only strict supervision of the implementation of three housing policy, and will be the implementation of two housing loans comprehensive and rigorous inspection.