New Deal: Three suite loan no light red light

Since the new deal in the housing market, the most important measures in the non-credit policy. June 10, "Yang Zi property market" launched a special topic "Two suites mortgage New Deal" encyclopedia ", for buyers to provide comprehensive two suite New deal guidance." But there have been subtle changes in the property market recently. In the early July, about three mortgages loose rumors appeared, and then the government officials to refute the rumor, but also experts and scholars to read ... For a time, let the buyers fall in the fog. Is there any sign of adjustment to the new mortgage policy?　　Is it easy to buy a house loan now?　　To answer the question of homebuyers, the Yangzi property market has been investigated again, finding that almost all of the changes are in the way banks are implemented, and that there is no sign of relaxation in the policy itself. "Three suites" loan "Rashomon Door" recently, about three sets of loans to relax the news can be said to be quite widespread. However, like the two-room standard and the very high demand for property taxes, there are several versions of the three-home mortgage policy.　　Different regions, different banks related to the requirements of three sets of loans are not the same, thus, also reflects a property market mortgage "Rashomon door." First, in mid-April, the State Council issued a policy saying that "a third set of mortgages could be suspended in overpriced areas". The move was interpreted by the media as "the right of the regional banks to stop the third set of mortgages", so many banks began to tighten the third set of mortgages. In Nanjing, for example, the Bank of Nanjing, through the form of a meeting, informed the Housing Department to stop lending to the third suite. However, it has been reported that, for most banks, the implementation of this policy has been tight and lax.　　Many banks say the State Department has not explicitly banned three of mortgages and will not stop the business immediately. From the April mid-April property market New Deal to July, about three sets of mortgage news content to tighten the main. Chongqing, Ningxia, Shandong and other countries in the foreign propaganda, the third set of mortgage has tightened, temporarily suspended the business. In Nanjing, there are 5 banks, such as ICBC, Minsheng Bank and Nanjing Bank, to stop the loan of the third house. Of course, as far as the actual situation is concerned, there are still a considerable number of banks with three sets of mortgages, and more than half of Nanjing alone.　　But a down payment of 50%, the base rate of 1.1 times times the bottom line, and no bank dares to open a breakthrough. Since then, in the buyer-seller depth game, July 8 morning on the Shanghai three sets of mortgages "reopen" news, suddenly broke the calm of the property market. The news said that a number of banks in Shanghai to the third set of home loans has been quietly loosening, a number of banks changed the previous "suspended in principle" practice. "A number of bank loan managers have said that the acceptance of the third suite of mortgage applications, customers as long as the credit status will not be rejected."　　The report concludes by saying that "the near-draconian new deal has begun to show signs of easing". Then, three sets of mortgage "Rashomon door" protagonist transferred to the Housing and Urban and rural Ministry of Construction Policy Research Director Qin Hong Body. July 11, Qin Hong: "For the third suite does not lend, the lack of social security personnel to limit the number of homesand other temporary policies, it is possible to relax and exit. "The speech was interpreted by the media as" the third set of mortgage restrictions will be canceled ", which has led to a loosening of regulatory policy expectations.　　However, on the afternoon of July 12, Qin Hong clarified that the report was purely misreading and said that there had been no change in government policy. Policy has not changed the implementation of a slight loosening of signs for the three mortgage is really the gate, from the Nanjing 15 banks in recent months, the implementation of the policy, the basis is not sufficient. From the Nanjing SINA Happy habitat statistics can be seen, May-July, Nanjing's 15 banks in the implementation of three housing policy, 8 are always able to borrow money.　　In the implementation of the strength, the 15 banks have always insisted that the more stringent, but also have been insisting on a relatively loose. Always adhere to the more stringent, mainly Jiangsu Bank, Nanjing Bank, and so on, the two banks since the housing market after the introduction of the third house to stop the loan application. "A meeting was held, and three mortgages were stopped and when it was not yet known."　　"Nanjing Bank personal business team manager Zhou Hu said. The bank, which has been able to handle three sets of mortgages, has 8 in Nanjing, more than half the total number of banks. The 8 are bank of China, Construction Bank, Bank of Communications, Agricultural Bank, CMB, Shenzhen Development Bank, Citic Bank and Pudong FA Bank. It is noteworthy that, excluding AgBank and the bank has been carrying out a down payment of 60%, the interest rate of 1.2 times times the benchmark interest rate, the other 5 banks have more or less the implementation of the trend of easing.　　To China Merchants Bank three-suite down payment, for example, from May required 55% decline to the current 51%. And before and after the implementation of the major changes in the bank, mainly 5. Among them, the former loose after the main industrial bank and Everbright Bank, the two banks property market after the new deal can handle three sets of loans, but since July has suspended the business. And ICBC, Minsheng Bank and Huaxia Bank three banks in the property market after the new deal has suspended three loans, but recently resumed the business.　　And ICBC's down payment is only 50%, the lowest level in each line. Compared with the implementation of the three housing loan policies, some banks in Nanjing have made a great breakthrough in their loans to foreigners. The new deal at the beginning of the request: not to provide more than one year of local tax certificate or Social insurance payment certificate of non-local residents to suspend the purchase of housing loans. This week, Nanjing has CCB, CMB, BOC, Huaxia, Societe Generale, Pufa, Everbright and other 7 banks have said that there is no such proof of the foreign buyers, the bank will be in accordance with the two-suite loan policy implementation. The relevant bankers explained that in June, the Department of Housing Construction and other three ministries and regulations, did not revisit the above provisions.　　As a result, these banks do not see this as an offence. The so-called "principle" to stop the loan in fact still have the operating space although some banks have suspended three of mortgages, but the "pause" is often only on the principle level. In fact, many of the special quality clients that meet the requirements of these banks are not on the list, according to sources. And some development companies and banks have also reached an agreementCustomers who introduce them can make a big green light. "In principle, we do not have the third suite of loans, but if you buy a house developer is our company, we can also help you operate three sets of mortgages." "In the Xin Kou, the manager of a bank in charge of mortgages said. In another bank, the head of a credit ministry also said that in principle the bank could not issue three sets of mortgages. "But if the customer's first two sets have been repaid or there is no loan record, it can be relaxed, but the down payment and interest rates cannot be lower than the policy requirements."　　"There are also banks that three of loans in principle is not done, but if customers can accept a down payment of 60%, interest rate floating 20% of the requirements, it can be considered." Due to the implementation of three sets of loans, "principle" and "actual" there is a big gap, so for customers to get the most benefit of the mortgage, has become the most important recent real estate marketing means. Jiangdong Road in the west of a real estate sales Cai said, developers have a basic bank of cooperation, so as to apply for loans to customers to find ways. "In general, the co-operative banks that are chosen can do three of mortgages," he said. Of course, if the interest rate and down payment do not meet customer expectations, we will also be responsible for helping customers find other banks.　　The limited degree of "loosening" has little impact on the property market. Since Nanjing's banks have not tightened too much in the first place, that is, 15 of the 10 in the property market after the new deal can apply for the third suite of loans, therefore, the recent signs of loosening is not particularly obvious, the impact is very limited. At first, we thought it was a policy change, but after a closer look, we found that it was not policy easing, but that banks were relaxing at the executive level. "A Nanjing development Company's boss, in his own micro-blog (http://t.sina.com.cn), not without regrets that the bank to relax the impact of three housing loans on the Nanjing property market is not very meaningful," if it is government action, it may mean that the property market will be followed by a loosening of the policy appears, To a certain extent, ' untie ' the property market. But if only the bank own behavior, then does not have the representative significance, it is difficult to judge the property market trend accordingly. "As for the impact of the three-pack on clients and developers," said Huangyuan, manager of the center garden, the impact is not obvious.　　First of all, the proportion of customers who apply for three sets of mortgages is not high in the total buyers; On the other hand, compared to Shanghai, Beijing and other first-tier cities, Nanjing prior to the implementation of the three sets of loans is not very strict, three suites customers are basically able to borrow money from the bank, now is the most choice is more. Three housing loan policies in other cities of China Beijing's big state-owned banks have basically stopped, and some three of Beijing's commercial banks are still loose. China Merchants Bank, Shenzhen Development Bank and other commercial banks and postal Savings Bank said that the current head office does not explicitly provide a third set of personal housing loans. The three banks had a minimum down payment ratio of 5.5, with interest rates rising by 15% to 20% respectively. And ICBC, ABC, BOC, CCB Four state-owned banks do not accept three-room loans. Since July15th, in order to further block the loopholes in the housing policy, Beijing Municipal Housing construction, central Bank Management department and other five departments issued a joint dispatch, from the details of the formal provision of "recognition of housing and credit" principle. Half of Shanghai's banks can put three sets of mortgages. About half of the banks in Shanghai have adopted a strategy of "three mortgages", which is only handled in different standards. China Merchants Bank made it clear that "recognition of housing and loans", the third mortgage payment of 5.5, interest rate is 1.1 times times the benchmark rate. The Pudong bank carries out a 5.5 down payment and an upward 15% interest rate. ICBC Shanghai Branch and CCB Shanghai branch have sharply increased down-payment and interest rates on the third set of mortgages.　　Banks such as HSBC, Standard Chartered and Citigroup in foreign banks are still "suspending third mortgages". Shenzhen Some banks in the "edge" after the new Deal, Shenzhen, some banks automatically stopped three of the business, but this does not mean that three sets of loans in Shenzhen extinct. Gao and high interest rates are factors that attract some banks to restart their businesses. Shenzhen, the three set of mortgage rules and Beijing, are "commercial banks in accordance with the risk situation, the moratorium on the purchase of more than three housing loans." This also gives the bank the opportunity to make policy "edge". At present, only ICBC, CCB, wide distribution and Everbright Bank of Shenzhen, has suspended the third set of loans and above. But other banks are still continuing the business.　　However, according to the latest news, the CBRC has intervened this week, "edge" mode of operation in the deep Development Bank has been stopped. The fourth set of banks in Hangzhou is also able to lend from a policy perspective, Zhejiang did not completely limit the death of three sets of mortgages, so Hangzhou's banks in the implementation of three mortgages relatively relaxed, some banks or even the fourth set of mortgages can be put. According to the survey, almost all of Hangzhou's state-owned and joint-stock commercial banks are continuing the third set of mortgage payments. Only according to the specific policies of the province, the down payment and interest rates made strict requirements. Basically is every buy a house, the down payment raises 5% correspondingly, the interest rate also should rise correspondingly.　　China Merchants Bank and ICBC both said that three sets of mortgages have not stopped, but customers buy a third suite of the down payment must be higher than 5.5, the interest rate to float more than 15%. Chongqing three sets of loans from Song Chongqing City Three sets of mortgage rules, although there is no limit to three sets of loans, but the third set of home loans business, the Banking Regulatory Commission on banks deposit and loan ratio of 75% of the regulatory standards, basically stopped completely. However, recently, Zhongqing also began to have banks in the case of high down payment and high interest rates, the opening of the third set of mortgages.　　At present, only Societe Generale, Chongqing Bank and Chongqing Rural Commercial Bank suspended the third set of loans, while other banks began to restart three of mortgages, down payment in 50%-60%, the lowest interest rate is 10%, the highest floating 20%.　　Is there any possibility of relaxing the mortgage policy? Loose due to interest v. Innovation Lian Guang Real Estate marketing company General Manager Yang Zhenyu I do not think that the three sets of loans in the implementation of relaxation is the government's mandate, more likely reasonIs that the bank's business volume has fallen sharply. The reason why three sets of mortgage policy will be misread in such a large extent, and appear in this sensitive period, I think it is with some developers, the interests of the banks are inseparable. I think the government is unlikely to relax in the second half of the regulation, especially the credit policy.　　The main problem of the current economy is the lack of capital money in the market, but even if the country has to make adjustments, it will inevitably avoid the real estate market. This year, the likelihood of regulation and relaxation is not big Nanjing real estate Development and Construction Association secretary General Zhanghui Stop the third suite loan is not "new country 10" mandatory requirements, place to implement a lot of prerequisites. In fact, only individual places in order to control the rapid rise in housing prices have to implement, and the normal reasonable demand for housing should be supported. There is little likelihood of a policy loosening within this year.　　Because first of all, this round of regulation of people's livelihood pressure is very high, now the rapid rise in housing prices is contained, but the housing construction is still in the beginning stage; second, from the macro-economic point of view, only after the inflationary pressure gradually eliminated, regulation may be relaxed. Policy tightness depends on the market trend of the Agency Director Zhang Jinghua the second half of the regulation policy loose or tight, ultimately depends on the trend of the property market. Under the current situation, three sets of housing loans such a policy is more appropriate. On the one hand, it has policies that constrain speculative demand on a large scale; On the other hand, it has space under which each bank can adjust its own situation to a certain extent within the limits of policy constraints.　　The current approach is conducive to the overall development of the economy in the short term, can make the market smooth operation. Regulation is not up to par, credit is not suitable for the development manager of VP Real Estate Nanjing Company The moderate relaxation of credit policy should not be seen as an initial loosening of regulation, which should be adjusted by the banks themselves according to their own business conditions. I disagree with what some people are guessing is the government's mandate. Because the effect of policy regulation has not fully reflected, at this time loosening of the overall disadvantage. Once credit policy is loosened, house prices are likely to rebound in retaliation.　　On the other hand, personally feel that the short-term use of credit policies to regulate house prices is easier, but the time is inevitable to the economic development of inhibition. Home buyers Tiu not as good as the Nanjing Suden Property Institute director Song Jian three sets of mortgage in the implementation of the loosening can be seen as a signal, that is not to the second half of the decline in house prices are too high expectations. Beijing Second Suite to determine the promulgation of the Rules, is the implementation of the previous policy, the stability of the market can play a role in the restrictions on the House also has a positive significance for the home buyers is a good thing. As for Nanjing, the housing price has already been loosened, the Jiangbei individual real estate falls even reaches 30%, therefore does not need blindly asks "the descending" but should seek "the stability".　　Nanjing does not need to learn Beijing, as long as it can be stabilized. Banks did not break the policy requirements of the Bank of communications Nanjing Xin Jie kou Branch account manager Zhang Yin from the first half of the situation, due to the impact of the new Deal, theThe volume of home loan business has fallen very large. At present, the bank for three sets of loans in the implementation level has relaxed, is undoubtedly to the business to a certain extent to remedy. However, none of these measures has breached the policy requirements. Many in the banking industry believe that credit policy will almost never be relaxed in the second half of the year, as the government has said it wants to "unswervingly" implement its original policy.