Mortgage business or keep falling

With the bank's full implementation of the New Deal, Xi ' an real estate sales plummeted, the housing market, the wait-and-see atmosphere gradually increased. Now, the property market two times to regulate the new deal just full moon.　　It is reported that the control of the mortgage, not only reiterated the two suites and three suites of the mortgage requirements, but also raised the first suite down payment ratio, the minimum down payment of more than 30%. The new deal has undoubtedly become a real estate market, a number of relevant officials told reporters, from the "11" after the long holiday, the application for loans to buy a house customers have a small reduction, especially for the smaller type of loan impact relatively large.　　It is expected that the next November and December, the decline in mortgage business will be greater. Mortgage business volume plummeted "11" before the long holiday, the relevant departments issued a property market two times regulation of the new Deal. From the new deal rules can be seen, the main direction of regulation is the mortgage. Aside from reiterating that the down payment for two sets of mortgages is 50%, the interest rate is 1.1 times times that of the benchmark rate; commercial banks stopped issuing three-room loans, while also raising the down-payment ratio for the first suite, requiring a minimum down payment of more than 30%.　　Non-local residents who cannot provide proof of local tax certificate or social insurance payment for more than one year are suspended from granting home loans. As of the end of October, the property market is exactly two times the full moon regulation. After the implementation of the New deal, to a certain extent, increase the loan cost of home buyers. Xi ' an several banks related to the official told reporters, because the release of the New Deal is already "11" on the eve of the long holiday, Xi ' an banks are in the "11" long vacation after the start of implementing the New Deal. Starting from the implementation of the New deal, began to have a lot of customers to consult, heard that the implementation of the rules, many customers appear watching mood.　　But because it is not yet a whole month, so the specific data is not good statistics, but it is certain that, after the implementation of the new rules, the demand for home loans and the total number of mortgage business has been a significant decline.　　Small huxing loans are the most influential and in the decline of the business, the most obvious is small huxing loans. Before the implementation of the new deal, some banks for the first time to buy 90 square meters below the borrower, can implement a minimum down payment of 20% discount, which attracted a certain customer loans.　　However, after the implementation of the new rules, a down payment of 20% out of the "historical arena", regardless of the size of the housing, the down payment is at least 30% above, to a certain extent, increased the cost of the loan. Xi ' an several banks of the relevant officials said, because of the above reasons, small-type loans are the brunt of the impact. However, this may only be a temporary situation, because in anticipation of rising house prices, even if the small-money down payment costs increase, but the demand is likely to continue to increase. So the small-house loan business volume in the future may increase. Trainee journalist Permission