CCTV market new observation: Hebei Yan Jiao property market launched the most stringent mortgage orders

Welcome to the "Economic information broadcast", Next, we will continue our series of programs, the property market new observation, today we are located in Beijing, 40 kilometers east of the Yan Jiao, the suburbs of the property market has been very special, many beijingers in Beijing urban high prices under the persecution, at one time in the relatively low price of the suburbs for home purchase consumption,　　This makes Hebei suburbs of the property market in the past two years continued to heat up. Some time ago, the management department of the rural area of Hebei province introduced restrictions on purchase orders and restricted loan orders for foreign residents to buy the rural real estate. The foreigner in Hebei suburb buy a house, the down payment needs 40%, these two days, Hebei suburb's management department is strict introduced the local purchase new regulation, moreover controls the strength to surpass Beijing, has the expert to say,　　Regulation of seriousness, can be said to be ranked first in the country, our reporter in this once hot real estate market conducted a survey to specifically understand. The reporter from Beijing CBD core Area International Trade drive east, not more than 40 kilometers can reach Hebei province Three Rivers Economic and technological development zone, in the east of the Chaobai River stands countless already capping or is under construction high-rise building, the Yan Jiao Region 102 National Highway two sides,　　From west to east densely filled with the sales offices and real estate brokerage companies, the reporter came to a real estate company, sales staff told reporters, currently in the suburbs to buy a house, outsiders do not give loans, the local people according to the situation will increase to 40%. Real Estate sales Staff: "Now remote people do not give loans, only the whole, locals can, down payment 30%, the first set of words, will mention 10%, according to the individual situation." "It is understood that the suburbs from September 29 onwards, outsiders can not provide local income certification can only purchase the whole, a comprehensive limit on loans." Reporters immediately consulted the construction Bank Yan Jiao Branch, ICBC branch, such as the main mortgage banks, the response is "strict implementation of the lending policy", to not provide more than one year of social security certificates and tax proof of foreign buyers are not lending, local loans,　　If the first suite price exceeds 8000 yuan or an area of more than 90 square meters, and after the divorce to buy a house, all need 40% down payment. Construction Bank Yan Jiao Branch staff: "According to individual declaration, large area and high unit price needs (down payment) 40%." "ICBC Branch staff:" All local customers need a down payment of 40%. "The reporter learned that, because the existing house price and area are in the relevant standards, so most of the local residents in the first suite down payment also pay 40%." After two controls, a handful of Beijing's homebuyers, together with sales offices, provided false local income certificates in order to obtain loans, but now there is no loophole at all.　　Beijing's industry insiders believe that such rules affect a wide range, only the purchase area less than 90 square meters, the unit price of 8000 yuan below the new house, and the first set of unmarried buyers can enjoy a 30% down payment, the current Yan Jiao in accordance with such conditions of the home buyers very few. Some of the prices fell 30% Yan Jiao market early winter in Hebei suburbs and Beijing Tongzhou only one river, from 2007, many buyers in Beijing began to buy houses in the area. In April this year, the small number of residential flats per square metre price exceeded million, now restricts the foreigners to enter the suburbs of the market, even the local residents also face more stringent demand for housing, which made the local property market what new changes?　　Let's look at the reporter's investigation again. The reporter in the Yan suburb area 102 National Road two sides to see, since the west to the east the advertisement Billboard Mimama each estate to be full of each big real estate sales office, here relies on "The big Beijing" The concept, the property market once hot, but now has become somewhat deserted.　　Standing on the road to send small ads more people than before to see the House, the salesman introduced the property can not play the spirit, the Kang told reporters, now basically no customer. Yan Jiao a real estate sales staff: "Not much to see, not many people buy." "The West street of the Yan Jiao is the area that the real estate intermediary company concentrates, in a second-hand house intermediary company's Hall, the reporter is the only consultant, the staff told the reporter, from August to raise the down payment ratio and the mortgage interest rate beginning, comes to the consultation less and fewer, now is sells the person than buys the person more," The Limit purchase order "comes out,　　The number of investors in Beijing has been much reduced. Yan Jiao Real Estate intermediary: "Really have impact, investment, now buy a house basically, according to a proportion of 10 customers, can have two batches is investment, is 20% is investment." "Yan Jiao real Estate intermediary:" After September 30, after the introduction of policies, see less, the monthly twos and threes of people not much. "The reporter learned that this April, the Yan Jiao many real estate prices are more than million, since also all performance smooth, but this August, the beginning of the implementation of the first set of foreigners to implement the strict requirements of 50%, Yan-jiao housing prices no longer continue to rise."　　At the end of September, the suburbs began to limit the total number of foreigners to buy homes, the current part of the price of the rural suburbs has fallen 30%, many items have been sold homes have second-hand housing in the sale, and the unit price than the sales office of the faster than 600 yuan, but still rarely traded. Yan Jiao Property Intermediary: "In the past, the February or March more than 9,000 transactions, now sometimes about 7,000." "Yan Jiao a real estate sales staff:" Down, this property is the previous real estate, now at any price, as they are more than 10,000. Now more than 7,000, 8,000, are 8,000. "Yan Jiao property market control risk is the main cause from last year to this year, the Yan Jiao market property prices rose, once famous nationwide, why this local authorities issued such a strict control of the property market orders?" Some industry veteran personage analysis says, the Swallow suburb's bank enforces the more strict mortgage policy, possibly with the bank's risk guard.　　Listen to their point of view. Zhongyuan Real Estate Managing director Li Wenjie: "Like the suburbs of Beijing, including the near Yan Jiao, Tongzhou, the price fluctuations have been relatively large, the time may be doubled, up 100%, down the time, also appeared to cut 50%, 80%, so the bank strengthened the first set of home ownership of the firstPay increases, including an increase in interest rates, are actually a new risk of regulating banks themselves against their products. Li Wenjie says banks are preparing to further regulate the risk of lending that might arise. Most banks believe that the short-term risks of real estate are accumulating, particularly the risk chain effect of real estate development loans, according to a recent survey published by the China Banking Association.　　An expert at the Chinese Academy of Social Sciences says the bank is worried about the credit risk of the property market. Mr Cao, director of the Investment and Marketing Research Institute of China Academy of Social Sciences 90% of bankers are worried about the risk of the mortgage, banks have done a stress test, if the fall of 30%, believe that the banking system can withstand, because the house price could not be a sharp drop in a short time, if the decline is too large, Will certainly hit the banking system. Mr Cao said that if the housing deal continued to slump will inevitably lead to price drop, credit risk also increased.　　At the same time, bank regulators are warning of the rapid expansion of credit and the commercial banks that rely on financing, which may be a response to the recent tightening of mortgages by some of the commercial banks located in the suburbs. Hundreds of cities in October the year-on-year rise in house prices saw the fall of the Hebei suburbs of the price, we must be very concerned about the national housing prices in a few rounds of regulation measures, now showing how the trend?　　9, October has been the real estate sector known as the "Golden Nine Silver Ten", we look at professional institutions to give the latest price data. According to the latest China real Estate Index system for the 100 cities of the full sample survey data, October 2010, the country's 100 cities residential average price of 8418 yuan per square meter, up from last month 0.66%, the chain is basically flat, of which 76 of the city price chain Rose, 24 city chain down.　　The number of cities in the country with a total price of 1% is 55. Mo Tianquan, dean of China Index Research Institute: "This data, we October this year compared with last October is quite large, 10 cities rose almost 41.66% of this increase, so this figure is still very worried about." "This data, is the China Index Institute through the distribution of direct staff in various cities, the field survey to collect data information and intermediary agencies to provide information, after the weighted average to calculate the single city and 100 cities of the price index. Mo Tianquan said that increasing supply is an important way to solve the housing Price China Index Research Institute Dean MO Tianquan: "Supply two aspects of a land, our land supply is not enough, the second supply of land is not on time development, so this is two very basic factors." "The real estate issue is a policy issue," said Li Li, director of China and the World Economic Research Center at Tsinghua University, in response to rising housing prices. "Because the local government in the current financial system, it is dependent on land transfer, so it is essentially unwilling, not willing to promote, but also do not want to see the rapid decline in real estate prices, there is no motivation, there is no initiative inherent motivation to develop a lot of government long-term public housing, so the problem is not resolved, Then any policy on paper is a very beautiful policy on the ground will be a problem, this is a crux, so the real estate problem in the final analysis of an essential issue is the financial problem. ”