Housing deal shrinks Shanghai bank loan continues to be strong

At the beginning of the new Year, Shanghai's property market volume dropped markedly, but Shanghai Bank's personal credit business still strong growth.　　　The State Council recently issued a circular on the promotion of stable and healthy development of the real estate market, clearly stipulated that the two-suite loan down payment ratio must not be less than 40%, the loan rate strictly according to risk pricing In response to the news, a Shanghai City Commercial bank staff told the Chinese Securities newspaper reporter, the second suite down payment ratio of more than 40% of the provisions, most of Shanghai's banks since the end of 2009 began to implement. "The first working day of 2010 years, our bank's personal loan is issued 700 million!" The main housing mortgage loans. "The personage analyses, at the end of 2009 Shanghai property market had a housing transaction to rush" the last Bus "situation: both buyers and sellers Rob in 2010 preferential policy to deal with the transfer of property transactions before the end of the process. And a lot of personal housing mortgage loans before the festival, many are concentrated in the first working day after the release.　　　As a result, a City commercial bank issued a New Year's first working day on the issue of 700 million yuan personal loans. "Banks have been lax on personal mortgages," he said. From the perspective of development loans, if the compliance, basically the line.　　　　The loan officer at a local bank in Shanghai told the Chinese Securities News reporter. Wang Yu, general manager of personal credit at Pudong Bank's personal banking headquarters, said the bank had been implementing the mortgage policy since the end of 2009 because it had not been instructed to change any policy in the new Year. In other words, if you buy a second house, the down payment must be over 40%. If it is the third set, Pudong Development Bank will be based on the specific situation of customers to develop different standards, interest rates are fully reference to the bank's profit contribution to Pudong, the size of the deposit set.　　　But these practices are premised on compliance. In response to the State Council's circular on promoting the steady and healthy development of the real estate market, the official of a Shanghai loan intermediary company said that "the State Council has issued such detailed and strict regulations, and it is rare to see the government's determination to regulate house prices." This will certainly have an impact on Shanghai's property market volume.　　　"The person thinks that the buyers and sellers of the Shanghai property market are in wait-and-see period, waiting for further bright market situation. According to the China Real Estate Index Research Institute, in the week from December 28, 2009 to January 3, 2010, the 31 cities monitored by the property market had 5 cities, less than 1/6 of the total number of cities.　　　Shanghai fell 35.95% in volume, after Hangzhou, the second largest city. "The total amount of credit this year in Shanghai is hard to say and variable. That could also affect mortgages, especially property development loans. "The loan officer of a local bank in Shanghai said.