Mortgage adjustment and upgrade also left behind to consider taking direct interest rate

Xu Cochi Shanghai Youth Daily Mortgage Regulation in this week ushered in an upgraded version, but not the ultimate version. The central bank and the CBRC recently sacrificed "Sanbang", requiring banks to completely block three of mortgages, a down payment on first mortgages to at least 30%, and a ban on consumer loans for home purchases.　　But reporters yesterday from a number of commercial banks in Shanghai to understand that the mortgage control actually left behind the "recruit", including the consideration of direct interest rate, in case the price continues to rise in use. Avoid regulation into the "air-conditioning", the property market in gold nine silver ten again heating up, the amount of price Zisheng let the previous six months of regulation into embarrassment, online also in ridicule regulation became "air-conditioning".　　"The vice president of a joint-stock bank in Shanghai said to reporters that commercial banks in this round of the property market regulation felt" a great deal of pressure, because the perfect differential housing credit policy is an important means of regulation, which obviously limits the growth of bank mortgage business. But the vice president also admitted to reporters, from the government's recent successive statements, this round of market regulation still see no loose policy signal. The information is that the goal of this regulation is to bring home prices back to a reasonable price at the beginning of 2009.　　and the actual market price is still quite strong, which will be included in the housing and other regulatory measures to upgrade constantly to avoid the policy effect "not brilliant" situation. "In fact, the mortgage control policy has not been exhausted this time, or left behind the recruit."　　"The deputy president said that the current strong property market equivalent to 6,000 when the stock market, the beginning of a" daughter difficult to buy cattle back ", regulation in the short term can not play a role; But as the regulation continues to escalate, policy effects after the" fermentation period "will slowly appear. Consider raising interest rates to deal with "the subsequent means of discussing mortgage regulation in the banking sector, including the way to consider direct interest rate hikes." "The general manager of another big state-owned bank told reporters that although the upgraded version of the mortgage regulation did not mention raising interest rates, the expectation in the banking sector was heating up.　　If the property market is slow to meet the policy objectives, then it is expected to take interest rate is sooner or later. The general manager of the Gold Department analysis, the current large number of home buyers flocked into the property market, in addition to a part of the rigid demand for their own lives, there are many people to prevent the assets in the depreciation of inflation.　　And at present negative interest rate in the case, buying a house of course become the preferred way of investment, so the only rate hike can solve the problem. "There are roughly three interest rate increases now considered, with 27 basis points, 54 basis points and 108 basis points raised before the end of 2011, but not yet finalized." "The general manager of the Gold department thinks it is the most likely to raise interest rates by 27 basis points in general, so that it can open the expectation of entering the interest rate channel, guide the property investment to cool down, and minimize the impact on economic growth."