Multiple city banks suspend personal mortgage credit line control is becoming more and more obvious

BCC Beijing February 4 News According to the voice of China "Yang Guang News" 13:10 report, the last week of January, Nanjing, Hangzhou, Fuzhou and several other first-tier cities have a number of banks suspended personal home loans. The industry explained that the banks may have to carry out the statistics and settlement of the loan amount at the end of the month, so the loans will be suspended.　　Details below we connect the CCTV trainee reporter 付倩倩: Moderator: About commercial banks to tighten the news of the recent continuous emergence of mortgage, so now the first-tier city personal housing situation how? Reporter: Before the end of January, there were many first-tier city banks to suspend or postpone the release of personal mortgages. There are already a number of banks in Nanjing to stop lending loans, such as BOC, ICBC, the bank. Some of the individual housing loans that have been approved but have not yet been issued need to wait until early February to get them. Guangzhou also has a number of banks and real estate mortgage companies said that some of the branches due to the lack of surplus in January and a comprehensive moratorium on loans, in addition, Hangzhou, Fuzhou and other areas have similar situation. Recently from the Bank of Communications Shanghai Branch and other sources said that the current bank mortgage business has entered a strict state of austerity, one of the signs is two suites did not improve the definition of the full implementation of 40% down payment, but the interest rate discount can still achieve a minimum of 71 percent. Also just learned from Beijing here, now, in addition to the Bank of 85 percent of the exchange rate, the other banks, the policy is not clear, but the mortgage company said, now in addition to the Bank of the other state-owned banks, basically there are 70 percent of the exchange rate, as long as the first purchase, buy small huxing,　　Individuals who have not previously had a loan record can still apply.　　Moderator: Does the bank postpone individual mortgage payment and raise interest rate expectation to have relation? Reporter: Some industry insiders said that the central bank in advance expected to increase interest rates, if the recent rate hike, these lenders will raise mortgage rates, so the bank will slow down the rate of personal housing loans. But some bank insiders said that so far did not receive a moratorium on the issuance of loans, the usual approval and issuance of loans, mortgages or corporate loans, as usual approval and distribution. Nonetheless, the signs of tighter bank credit policies are becoming more pronounced, a number of bank lenders said the current policy is facing greater uncertainty, the policy trend of credit line control is becoming more and more obvious, and interest rates may also be abolished in the previous relaxed environment of preferential policies, whether it is corporate loans, or mortgages, If there is real demand for loans, it should be handled early.