CCB suspends third set of mortgages

Reporter investigation learned that the Chengdu banks have completely stopped three sets of housing loans and more attention to the implementation of the New deal has been further progress. After the Bank of China announced a suspension of three loans, CCB chairman Guo said 23rd that the construction bank in the country to suspend the third and more housing loans issued.　　Yesterday, the construction Bank of Sichuan Province Branch said that the headquarters will strictly implement the policy, the third suite will not be issued mortgage loans. At the same time, after a comprehensive investigation, the reporter learned that, because there was no clear policy on the third suite, all commercial banks in Chengdu have actually suspended the three-suite loan.　　In the definition of the third suite, the banks will implement the "Recognition room" standard, that is, as long as in Chengdu, the Housing authority can be counted. Our city banking industry total stop loan three suite mortgage after the new deal, the banks began to strictly implement the second suite 50%, the interest rate floating 10% of the provisions. However, for the third and above housing loans, in the two suite policy based on how to implement a more stringent policy, in the initial headquarters did not explicitly indicate before the commercial banks in Chengdu invariably chose to suspend the processing.　　After investigation, the reporter learned that, before this, Chengdu's third house buyers are basically very difficult to be able to borrow money in which bank. In the process, some cities in the country have also spread the bank mortgage policy loose rumors. Subsequently, the CBRC rumor, the Bank of China also announced a nationwide moratorium on the third and more housing loans.　　The industry believes that, in this matter, Chengdu's banking industry again showed a stronger policy awareness and risk awareness. The construction bank chairman Guo's stance, was interpreted as the construction bank further strict implementation of the New Deal signal. CCB Sichuan Branch said it will strictly follow the Chairman's statement, the implementation of the headquarters provisions. When the reporter calls the CCB Sichuan Province Branch Credit Center, also was told: currently does not make the third housing loan.　　It is reported that the first half of the bank's real estate loans continued to decline, only a new increase of less than 20 billion yuan, compared to the end of last year's growth of 5.57%, growth and absolute amount are declining trend, compared with the past four years is the least growth. Three suites define not only the loan, but also the room. "Three suites can not be loaned ..." for many people who already have two or even two or more homes, it means that they have greatly increased the cost of buying again. At the same time, the question of how banks define a third housing is their biggest concern. Yesterday, the reporter learned from CCB related people, the three suites of the definition of the principle of family as a unit, and not only "credit" also to "recognize the room." That is to say, whether the House purchased before the family is a mortgage or a one-time payment, it counts as the number of houses owned.　　The Bank's enquiry channel for the number of houses owned by the public is the credit records of the People's Bank credit system and the Housing Bureau of Chengdu Municipality, whichever is the loan records found in the credit system and the number of houses registered by the Municipal Bureau. However, it also means that if the public had once in the fieldThe housing purchased by sex payments is probably not available in these two channels at present, and the bank is currently subject only to the number of inquiries made by its regular channels. Newspaper reporter is Liu Hua