Changsha executes two new loan rules bank accelerates second battlefield

Source: Internet
Author: User
Keywords Banks new rules battlefield open
Changsha has started to carry out two new mortgage-loan rules. Small business shrink, the new technology industry, small and medium-sized enterprises, personal consumption of credit to increase the proportion of the reporter Liu Yongtao Second suite defined standards, commercial banks have stepped up preparations. The reporter Liu Yongtao the knot of the loan to buy two suite standard this month finally unveiled.  The Ministry of Housing, the People's Bank and the CBRC jointly promulgated the new rules, two sets of housing loans will be the family unit, housing loans to "recognize the room" standard. "The rules document made by the head office will come down in two days."  "June 8, a joint-stock Bank of Changsha branch of the lender said," will be in line with the supervision department and the headquarters, strict implementation of the relevant provisions. And this new rule, known as unprecedented severity, has put new pressure on the big banks when they love and hate many buyers-both to follow up and to deal with the shrinkage of the mortgage business.  To speed up the credit diversion and open up "the second battlefield" has become the choice of the major banks. "Progress" 4 banks began to implement the new rules has been implemented, the second room to recognize the loan, no doubt.  Bank of Hunan Branch of BOC, said yesterday to reporters, now approved loans will be in accordance with the new rules of strict verification two suites.  Reporters from a number of channels learned that, in addition to BOC, Bank, ICBC, PUFA and other banks have embarked on the implementation of new rules. At the same time, CCB, Everbright, Citic, Guangdong, Societe Generale and other banks are waiting for the arrival of the headquarters rules. "The key is to see the caliber of the headquarters."  A loan manager said.  The implementation of the "recognition of housing and loans" Pan Jun Rong, a manager of Changsha branch of Pudong FA Bank, said, "depending on the document rules of each bank's head office," she says the three ministries ' joint Dispatch is enough to see the country's determination to rein in the real estate market and "should not be compromised".  Another part of the bank said that the implementation of the details of the headquarters before the introduction of the two suites decided to still be "loan record".  "Difficult" to "recognize the house" is not easy to recognize the housing and credit, so stringent housing loan policy, is apparently aimed at curbing speculation, control of house prices rise. However, some bankers pointed out that the "Housing registration Information System" mentioned in the rules, credit records, "Face Test", "interview" and other forms are not yet clear and perfect, but also related to household registration, housing ownership and credit and other aspects of public security, housing Authority and commercial banks and other departments to jointly build information timely sharing platform,  To make policy implementation more referential. "Banks can only judge the housing units of the buyers through the credit records of the People's bank credit system, to implement the new notices and to cooperate with the relevant departments, which needs the promotion of government departments".  Personal Credit Department of a joint-stock bank told reporters how to work with the real Estate management department docking, evidence of home purchase records, is particularly important. Some rigid demand, improve the buyers will also be affected by this, is also the focus of attention. "Once fully implemented, many people are likely to be ' two sets '." "A bank in Changsha branch a loanThe manager sighed.  However, there is no perfect policy, in order to control the property market for the primary purpose, "accidental" rigid demand may be to see the effect more quickly.  "Countermeasures" banks to accelerate the opening of the "second battlefield" for a large number of home buyers, now in addition to looking forward to the decline in housing prices, perhaps more will be feeling the door difficult to enter the bank, hard to borrow money.  In the case of banks, there is the pressure of the national macro-control policy, there is the tension of their own funds, mortgage threshold is difficult to loose.  Can not be avoided is that, with the down payment, the level of interest rates increased significantly, the housing market turnover continued to decline, the bank's mortgage business inevitably suffered further "shrinkage" situation. As a result, to contribute to the banks of a lot of profits in the mortgage business, increasingly "chicken."  It is inevitable to accelerate the credit shift and open up the "second Battlefield".  The reporter learned that Changsha several bank credit structure adjustment is speeding up, the new technology industry, small and medium-sized enterprises, personal consumption credit increased. For example, Societe Generale in the country vigorously promote personal business loans "Societe Generale", has reached a larger scale. And the proportion of its mortgage is down.  ICBC is explicitly put forward to increase energy-saving emission reduction, recycling economy, low-carbon economy and other green industry support efforts, focusing on supporting small business development and trade financing needs. These adjustments, which the regulators have been happy to see, can also bring good returns to the banks themselves.
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