Large-area attains intermediary rebates for banks in Shanghai

Reason: The bank completed a quarter ahead of the home loan index, no more lending momentum: it may be "phased" measures from the end of this year still nearly two months, the Shanghai bank in the mortgage on the launch of "Slam on the brakes", in the tightening of credit approval, and recently began a large area of attains real estate intermediary rebate.　　Reporters in recent days, the investigation found that so far, only two state-owned banks and a small number of joint-stock banks to pay the real estate intermediary rebate, other Shanghai banks have notified the real estate intermediary, next year will stop paying "intermediary channel fee" (rebate). Banks and real estate agents have said that the rates that still persist in paying back domestic helpers have been significantly lower than in the first half.　　In the absence of a return to domestic helpers, the intermediary fees for the sale of housing, most intermediary companies become "preoccupied", buyers now want to reduce intermediary fees, difficulty greatly increased. Most banks are no longer paying back to the Shanghai bank, which is clearly closing the credit floodgates, only for the last one months. This year "11" after the bank defined as "second mortgage" customers, lending rates generally floating, down payment of at least 40%.　　Even so, it is still quite difficult for customers to get their loans approved. In recent days, reporters visited the Longyang, Sanlin and other real estate intermediary.　　When it comes to intermediary time, many intermediaries say, because most banks no longer pay fees, intermediary days are not good, if the need for intermediary fee discounts, at least need to sign the store manager. Mr. Zhang, the property consultant, said that at present, other banks, except two state-owned banks, have stopped returning domestic helpers. "Those two (state-owned) banks have also dropped the rebate, and the speed is very slow, the national day before the two houses I sold, so far did not get the bank's return point."　　"According to Mr. Li, a real estate intermediary in the Pudong New area, last month, the company received at least four banks ' notice to stop returning domestic helpers," he said. Mr. Li also said he would only recommend to a handful of banks that pay the rebate unless the buyer had designated a bank to make a commercial loan. Industry forecasts: Domestic helpers may return next year more than one bank insider analysis that the first three quarters of the housing "blowout", the Shanghai bank almost all completed the annual task ahead of time, which is the main reason for the current credit tightening. In addition, the CBRC recently issued a number of "from tight lending" and risk warning and other directives, but also urged the bank to reduce the launch. "After the completion of the target bank, in fact in the fourth quarter there is no fee to return to the intermediary."　　"A joint-stock bank credit department head said that most banks attains intermediary rebate is also a last resort, it is estimated that this is only a" phased "policy, the return of domestic helpers will continue to prevail early next year. A bank industry personage thinks, want to let the return domestic helper disappear, the difficulty is quite big. He disclosed that the relevant departments had already coordinated many times on the issue of payment of channel fees by banks to intermediaries and hoped that the banks would not compete excessively and reach a relatively low standard.　　However, if the situation is not special this year-home mortgage indicators completed one quarter ahead of time, I am afraid that the return of the domestic helpers will not "exit." The head of the credit department, a state-owned bank, saidIt is almost impossible for the banks to agree on the issue of returning domestic helpers. Home loan is currently one of the most competitive business in the banking industry, in order to compete for high-quality second-hand housing loans, the banks to pay the real estate intermediary a certain marketing costs, has been a public "guild", some banks in order to short-based the market, had even to open nearly 2% of the rebate rate. Department Voice: Will draw up the whole city "unified price" a senior mortgage business expert calculate a sum of account: At present, when the mortgage rate is 70 percent, even if the cost of one-year deposit (2.25%) and the preferential loan rate of 5 years or more (4.158%) are accounted for, the bank's gross profit from the mortgage is still less than 2%.　　Less labor, rent, management and other costs, the actual profit is certainly below 1%, so in the issue of repatriation, the bank gives more than 1% of the rebate is tantamount to operating at a loss. Recently, the Shanghai Banking Regulatory Bureau issued a "on the further maintenance of Shanghai banking Good Competition Order notice", again stressed the payment of real estate intermediary marketing costs (rebate), and hope that the Shanghai Association of Banks to coordinate the proportion of the rebate.　　According to the head of the management department, the regulatory authorities to deal with the mortgage return to the domestic chaos is a big resolution, has been meeting to discuss several times, although the final results have not been announced, but the future trend is definitely to formulate the whole city "unified price", or even exclude the possibility of mandatory cancellation. People familiar with the matter said that last year, the Shanghai Association of Banks to convene a meeting with Chinese banks to discuss the reunification of domestic standards, the meeting reached a 6 per thousand "Unified price."　　But shortly after the meeting, several banks "went it alone" and the "gentleman's agreement" was easily torn up. The Association of Shanghai Banking Association said that in the case of banks violating industry norms, the guild would perform its industry self-regulation functions through industry exhortation, industry bulletin and public condemnation. For the verified unfair competition behavior, the Shanghai Banking Regulatory Bureau will be held responsible for the relevant units and individuals.