First-tier city three sets of mortgage full loose down payment not low 50% can release

Securities Times reporter Tang Jiahua in Shanghai, Nanjing, Hangzhou and other areas of the bank to relax the third set of mortgages, the securities Times reporter yesterday learned that Shenzhen, Beijing, some banks have quietly relaxed the third suite of loans. Reporter yesterday from Shenzhen some banks learned that for the third set of mortgages, as long as the down payment is not less than 50%, you can release.　　Beijing also has a bank to reporters that the third suite on the down payment is not less than 50%, the interest rate is not lower than the benchmark rate of 1.1 times times the implementation of the policy. Since the April mid-April real estate regulation, the first-tier city because of "rising prices too fast" has become the focus of regulation, Beijing, Shenzhen and other cities have issued detailed rules, to suspend the issuance of the third suite loans. For a time, the first-tier city's third housing mortgage loan was at a standstill.　　However, recently this situation is quietly broken, a number of first-tier cities have appeared a third set of mortgage loosening phenomenon.　　Shenzhen a real estate intermediary staff told reporters that the April regulation policy, the Shenzhen bank generally suspended the third suite of loans, but now with the wind in the past, some banks have secretly through some way to restore the third set of mortgage business. Yesterday, the reporter to customer identity consulting ICBC Shenzhen branch of the customer service staff, the customer service staff clearly told reporters, "Shenzhen, ICBC can now handle the third set of mortgages, but the down payment must be greater than or equal to 50%, the interest rate is not less than 1.15 times times the benchmark rate." "The Shenzhen intermediary said that another large bank and a bank based in Shenzhen also made it clear that a third set of mortgages would be required, with a 50% down payment and 1.1 times times the benchmark interest rate. "There are some banks that can talk to the Account manager, and the third set of mortgages has the potential to loosen." The bank's customer service in the consultation, also changed the past "suspend the third set of mortgages," said the special circumstances can handle the third set of mortgages, down 60%, the interest rate is 1.15 times times the benchmark rate of implementation. Special circumstances may include "workplace change", "adult children living separately from parents" and so on.　　Customer service at the Beijing branch of another large bank also said that the bank's second and above housing mortgage loans are under 50% down payment, the interest rate is not less than 1.1 times times the implementation. In Shanghai, Hangzhou, Nanjing and other fields, there are already a number of banks have loosened the third set of mortgages. The bank has made clear that it can accept the third mortgage application, the requirements for down payment and interest rates are not the same, some require a down payment of 50% 5, some requirements 60%, interest rate on the base rate of 15% or 20% floating.