Differential mortgage rules are expected this week

⊙ reporter Tang True dragon shi Beibei "the State Council on resolutely curb the price of some cities in the rapid rise of the Notice" ("New Country 10") after the release of commercial banks quickly responded. Many reporters learned that the major commercial banks in 19th have held a head office meeting to study and formulate relevant rules.　　This week will be the implementation of detailed rules, the various types of housing demand for the implementation of differential policy.　　Agricultural Bank of China made clear that the headquarters rules will be issued tomorrow, some branches such as Beijing Branch has begun to implement the "new Country 10" in the relevant provisions; The bank has said it is in the process of enacting rules for the implementation of mortgage policies and is expected to be unveiled this week. Prior to this, ICBC has taken the lead on April 14 to announce that, since 16th, the formal implementation of differential housing credit policy, the new contract and the approval of individual housing loans to implement the new rules: to buy the first set of home and set the building area of 90 square meters above the family, the proportion of loans to the first　　For families with loans to buy a second home, the proportion of the first payment of loans shall not be less than 50%, and the loan interest rate shall not be less than 1.1 times times the benchmark rate; for families with loans to buy third or more homes, the ratio of first payment and interest rates is greatly increased. The joint-stock Commercial bank follows the big line step, the merchant bank, the deep development, the Xingye bank and so on in the policy research formulation process.　　Societe Generale Retail Bank headquarters, said the bank will be in the "new country 10" provisions, the different regional branches to give certain autonomy to the high price areas of strict lending, especially the third and above housing loans. Foreign banks have also said they will support and comply with the relevant provisions of the country's mortgage policy.　　Several foreign banks, such as Citigroup, HSBC, Standard Chartered and Hang Seng, are currently working on their respective rules, and are communicating with regulators to receive regulatory guidance. Standard Chartered announced on 19th that the housing loan policy is adjusted as follows, and immediately begins to execute: Two suites loans to implement 50% down payment, interest rate executive Bank benchmark rate of 1.1 times times; 90 square meters below the first suite to perform 20% down payment, 90 square meters above the first suite to execute 30% down payment, according to customer qualification and bank risk assessment pricing For a loan to buy a third or more housing, the bank is studying the rules, will be strictly in accordance with the regulatory guidelines, significantly increase the ratio of loans to the first payment and loan interest rates.