No full tightening of two mortgages

There are still interest rate concessions, but do not rule out early next year may be canceled yesterday, media reported that Guangzhou intermediary company has been oral notice to the bank, said the second mortgage concessions will be canceled in the near future, and return to 40% down payment, benchmark interest rate floating up to 10% of the policy. But yesterday, a reporter survey found that the intermediary mortgage companies have not been notified, it is difficult to determine whether it will really cancel. The three major intermediary mortgage companies in Guangzhou, HSBC Mortgage, Paulai Mortgage and financial management related to the responsible person, are said to have not received bank-related written and verbal notice.　　They say the two-room mortgage policy has been tightening since June, but the two-pack is still able to do 70 percent interest rates. Banks are different from top to bottom, two sets of mortgage operation is still tight dark loose.　　　　A number of banks are responsible for the high level of the lending business, so the caliber of the front line to reporters said, "No concessions, the rate is strictly 1.1 times times the implementation of", however, the reporter to the identity of home buyers unannounced investigations of some of the banks said that the current interest rate can still be up to 30% of the space, but the future situation is tightening.　　The intermediary did not receive the relevant notification reporter yesterday interviewed in Guangzhou market share of the largest three intermediary mortgage companies, John Mortgage, in charge of the Paulai mortgage and financial management, they all said that the recent mortgage business was still carried out in accordance with previous regulations, and did not receive any written or verbal notice of the bank's overall tightening of the two-pack mortgage policy. In fact, since June this year, banks have been tightening the preferential policies for two of mortgage loans, because banks are using almost the same loan quota this year and will opt for better clients to borrow, Phillip said. Recently, it has not been heard that banks should fully implement the two set of mortgage rates floating 10%. Yida Mortgage Manager More directly said: "Our company has not received the relevant notice, I am now with the bank to open a forum, they did not say so ah."　　　　"It also says that all mortgage loans have been implemented in accordance with the original rules, and no new changes have been found." Bank interest rate can still float 30%. Subsequently, the reporter to the identity of the buyers of a state-owned one of the four banks of the Customer Manager Huang, Miss Huang told reporters: "Now there is no new documents down, two sets of mortgage preferential policy or business as usual." "The overall tightening of the two of mortgages reported in the market," Miss Huang said: "Only to hear the tightening of the wind, but did not receive the tightening of documents, so has not actually tightened. However, Miss Huang also said it is possible to tighten up in a few days. The reporter also consulted 5 banks, including some four lines and joint-stock commercial banks, the situation is broadly similar.　　Two sets of general down payment in 30%-40%, benefit benefits in 20%-30%. However, at the bottom of the operation, the bank's top executives are not aware of, and clearly indicated that the bank has been implementing state-mandated policies, and no concessions. A joint-stock commercial bank once in order to occupy two sets of mortgage market and within 5 suites to follow the strategy, however, the bank's head of the credit department yesterday, said to reporters, "since June tightened, we have no two suitesCredit has been implemented. "14 senior executives also said to reporters," two sets of loans have been stopped, if which outlets still do so, you tell me, we deal with. "The status of improved housing audit more strictly understood that early this year, Guangzhou two sets of mortgage audit more lax, two or three sets of mortgage can apply for 70 percent discount rate and 80% mortgage." But as policy began to tighten gradually in June, the standard for improved two-pack mortgages tightened. Phillip said: "Since June, the bank tightened two sets of mortgage policy is mainly to audit customer information more stringent, such as improving the purchase of two sets of mortgage loans can indeed be a bank loan concessions, but more and more stringent audit, to carry out a house search, check the actual housing population per capita living area is lower than the city standards. If the information is accurate, the applicant can still get two sets of mortgage concessions, but the rate can be hit to the lowest 70 percent, and whether to apply to the 80% mortgage depends on whether the applicant is a good customer and the purchase of the house is quality.　　"It is understood that the current third House mortgage must strictly enforce the 10% per cent floating rate, and the improvement of two sets of mortgages only high-quality customers can apply to 70 percent interest rates, and most of the improvement of two sets of home buyers can apply to 75 percent-80 percent interest rate concessions." People familiar with bank mortgages say that there is a different understanding of the definition of improved housing in different banks and even at different branches of the same bank, which directly affects whether people who buy two suites can apply for preferential rates.　　such as ICBC and the Chinese Bank of China to determine the standard per capita living area is 33.8 square meters, agricultural Bank to determine the standard is 29.22 square meters, as long as the public mortgage of the first housing per capita living area below the above standards, mortgage second suite area is larger than the original size of the house, can be identified as And how to determine the living population, the standards of different banks are also different, such as ICBC generally only identified a three, up to five people, AgBank identified a family can reach up to 7 people, so that the calculation of the per capita living area will be different, improve the standard tightness of home purchase is also different.　　And some branches of the construction Bank of CCB does not determine the improvement of the purchase, usually two-room mortgages are implemented 1.1 times times the policy. Predicting mortgage deals or canceling next year it is noteworthy that the state's two sets of home loan preferential policies were scheduled to be implemented until December 31 this year, with the recent gradual tightening of the bank policy, may be formally canceled next year as planned.　　Once this preferential policy is abolished, the cost of mortgage purchase will be greatly increased for two home buyers. Yesterday, the reporter to the identity of the buyer to call Baiyun District, Haizhu District, Tianhe District nearly 10 real estate sales department, consulting two sets of mortgage rates to increase 1.1 times times when found that there are real estate media reports on the news hype promotion. Baiyun District, a main push 180 square meters above the large units of the real estate, its sales staff said: "The newspaper said the policy to tighten, but now we can apply for 70 percent interest rates, so you have to hurry to buy a house, otherwise the interest rate will rise." "For buyers, whether to catch up withTwo sets of mortgage interest rate concessions "last bus" and early implementation of the purchase plan? In this respect, a person in the industry told reporters, "and its chart interest rate concessions in this time to buy a house, than another half a year, there may be ' big red envelopes ', then the price is certainly cheaper than now." "Because, this year, Guangzhou property market, the soaring property prices, the current purchase is tertiary home buyers, interest rate concessions once canceled, will directly weaken the people's desire to buy houses, the property market or to calm down, prices may also be affected."