Jiangsu suspend home loan to fight property

According to the voice of China's "news" 7:15 report, in order to fully implement the second suite of New Deal, Yangzhou banks not only strict implementation of the provisions of down payment 50%, but also completely suspend the off-site mortgage.　　Subsequently, Nanjing, Wuxi, Suzhou and other places in the bank also to the hukou in the field, while working in the field of home buyers loans to light up the red light. Jiangsu Bank Yangzhou Branch in recent days received the head office on the implementation of the two suites of the relevant documents, the demand for a comprehensive stop off-site customers home loans. As the last one to stop the foreign loans of the financial enterprises, since the Jiangsu Bank Yangzhou Branch began to implement real estate New deal, Yangzhou banks have fully realized the country 10 related requirements, not only strict implementation of the provisions of down payment 50%, and the total closure of the home.　　When the reporter visited the major banks in Yangzhou learned that the bank has been collective to foreign loans said no, by the industry called "double outside" customers, has been difficult to borrow money in Yangzhou bank. It is understood that the so-called "double outside" customers, is the hukou in the field, while working in the field.　　The bank determines whether is "double outside" the way is also very simple, namely the customer must provide Yangzhou the residence booklet, or Yangzhou local income proof, bank chronological, tax proof and so on can prove the loan person is in Yangzhou work evidence, otherwise all refuse to lend. Not only in Yangzhou, most of Jiangsu province has also stopped remote customers to buy loans. In Nanjing, the capital city, the loan business has been restricted in more than 10 banks. Many banks in cities such as Suzhou and Wuxi have also stopped the business. However, reporters in the interview, the new deal to suspend the policy of home purchase is not in these cities to play an immediate role, at the end of last year, the soaring housing market, which pushed up housing prices in the middle of May, has been small in size, but this has not made it much easier for the home buyers.　　Because the decline in house prices is far less than the big six months of gains. At the same time, some developers believe that the stop "off-site mortgage" this means or leave room, such as not completely prohibit the purchase of a different place.　　Some investors with economic strength can make a one-time payment to circumvent the increased investment costs of the loan policy. People know that the high price of a very important reason lies in the off-site speculation, which is more famous is the so-called "Wenzhou fried housing Group." The real estate business Pan Shiyi recently said in Wenzhou, by the high prices, Wenzhou fried House group Wealth increased a lot: Pan Shiyi: I come to Wenzhou from the first time so far, there are 6-7 years, in fact, in these 6-7 years to see Wenzhou people embark on the road of real estate investment is a success, is their way of financial management.　　Let their wealth grow by investing in real estate. The wealth of the group has increased, but it has been hard for those who actually need to buy.　　In Beijing, for example, July 2008 data show that the average price of the four-ring house in Beijing is 18000 yuan per square metre, and by April this year, the price of Beijing's four-ring house has risen to an averaging of 34,000 yuan/square meters, up nearly 1 time times in less than two years. These are more or less related to the off-site speculation. Zhongyuan Real estate in north ChinaLi Wenjie, general manager of the District, said that Beijing, for example, hukou and work place are in the field of home buyers about one-eighth of the total number of home buyers, they buy most of the purchase is used to invest rather than live: Li Wenjie: Now from Beijing, we call the online contract, including the primary and second-hand housing statistics to calculate, not Beijing, The proportion of foreigners buying in Beijing accounts for about 20% Five, that is about 25% or so, about 1/4 of the people who actually work in Beijing, but the hukou is not in Beijing, which may account for about half of this 1/4, and 1/4 of the other half belong to neither working in Beijing,　　Household registration is not in Beijing, then they buy a house in Beijing, their buying behavior is a kind of investment or the use of value preservation. Foreign speculators, coupled with local speculation, let the proportion of housing speculation greatly increased.　　A statistical data show that April more stringent regulatory policy before the introduction of the country's major cities to buy people, investment or speculation as the target, the proportion reached 46%, Beijing, Shanghai, Shenzhen and other first-tier cities, investment ratio of far more than 50%. Buy a house not live, housing cannot afford, housing more and more like an investment goods. In the face of rapidly rising house prices, let housing from investment products to live products to return to the voice of more and more high, and some policies have been introduced, such as the State Council April 19 issued the "about resolutely curb the price of some cities too fast to increase the notice," which is what people call "State 10", and Beijing May 1 issued a new deal "　　Jing 11 "and so on. Looking at these policies, the core content is two points: one is limited purchase. If Beijing stipulates that the same home buyers can only buy a new set of commercial housing in the city, and the second is to combat speculation. such as Jiangsu to stop for hukou in the field, work also in the field of home buyers loans. Famous real estate commentator Yang Shaofeng that restrictions on the policy of home purchase even more than to limit the strength to buy a second housing: Yang Shaofeng: We are now speaking, for the entire real estate industry, we have to fry the price so high, a large part of it due to the field of people buying houses, outsiders of the speculation, Because outsiders do not live and work in Beijing, what is the purpose of buying a house? The purpose of buying a house is to invest. So the real estate bubble is in the demand for investment and speculation, it is this part of the demand to raise prices. Therefore, the effect of the restriction on the property market is greater than that of the second mortgage policy, so like Yangzhou's policy will certainly have a very lethal impact on local demand, a short period of a large number of people can not afford to buy a house, your demand suddenly plummeted, the collapse of the developer House will not sell move,　　He had to take a price cut when the money was tight. Yang Shaofeng also believes that policy implementation is also important: Yang Shaofeng: The key is not that governments need more policies, but whether they can be implemented. For example, Beijing issued a limited order, Shenzhen, Guangzhou have not yet, soI think that many of these places have not come out of the two-pack mortgage policy. So I think the key now is how to implement and implement the existing policy issues, rather than more policies, no matter how many policies if the implementation of the policy is empty, if the existing policy implementation in place, its lethality is very very big. (Reporter Yang Shouhua)