Foreign capital home loan slightly loose three sets of mortgages still not thawed

Yangshui, the first financial daily, learned from a number of foreign banks in Shanghai yesterday that shortly after the real estate new deal, foreign banks basically stopped the third set of mortgages, and significantly increased the two sets of mortgage payments and loan rates, but the first set of loans compared to the Chinese bank slightly loosening, individual banks can hit 75 percent.　　Reporters from Citigroup, HSBC, Standard Chartered, East Asia and DBS Bank learned that the foreign legal firms in the new deal soon after the introduction of the third set of mortgage business, and as of yesterday, the banks of three of mortgages have not loosened, continue to remain suspended.　　For the second mortgage, Citigroup, East Asia, Standard Chartered, HSBC and DBS are not exempt from the 50% per cent loan rate, which is no less than 1.1 times times the benchmark rate.　　However, for the first set of mortgage performance standards, in addition to a clear down payment ratio of not less than 30%, the House did not announce a clear rate of implementation of the standards, said the loan rate strictly in accordance with risk pricing, which means that the bank's first mortgage rate level also slightly different.　　The prime interest rate on the first mortgage was 75% of the benchmark rate, compared with a 80 percent per cent of the lowest rates for most Chinese banks ' first home loans, a former mortgage account manager at Standard Chartered Bank (China) was informed yesterday.　　A mortgage account manager at the Bank of East Asia (China) said yesterday that the minimum rate for the start-home mortgage was 80 percent, with a minimum down payment of 30%. In fact, recent signs of a rebound in real estate sales have also allowed some banks to become active in their mortgage business. Standard Chartered (China) The above account manager told reporters that the last two months of the mortgage business than the policy just a few months to increase, and the new house and second-hand housing loans have increased, on the one hand is the market demand for the release of rigid, on the other hand, the real estate market is about to enter the "Golden Nine silver Ten" transaction peak.