Operating rules have not yet issued a number of banks to suspend the approval of two sets of loans

◇ bankers said specific details about the two mortgages could be introduced this week, the approval work will then be able to start ◇ "loan rate in strict accordance with risk pricing" there is ambiguity, may lead to a competitive interest rate of two sets of mortgage down payment must be less than 40% has become a major bank to observe the bottom line, but the rate of two suites is still not uncovered. Yesterday, the reporter learned from the industry, the national New deal after the release, as still not issued operating rules, Guangzhou, a number of banks suspended two sets of housing loan approval work.　　And for two sets of mortgage rates "risk pricing" provisions, the bank generally reflected "some vague", still to be determined.　　This week or the introduction of operating Rules "so far, we have not received any notice," a state-owned bank of the relevant people yesterday to the reporter said, "I believe this week specific rules will come out, two sets of mortgage approval work can start."　　The State Council issued the "on the promotion of stable and healthy development of the real estate market notice" (hereinafter referred to as "notice") that the first payment ratio of loans must not be less than 40%, the loan interest rate in strict accordance with risk pricing. Although the rules are still not decentralized, but can be sure that the major banks on the down payment of 40% has basically reached a consensus, "down payment 40% no room to negotiate", Citic Bank customer service staff to the reporter that at this juncture, no bank will violate this provision.　　"Even if a bank promises to give customers a 30% down payment, it's hard to pass in the approval process," he said.　　"Risk pricing" gives banks autonomy?　　It is noteworthy that there are still big questions about the banking sector, another core issue of two mortgages, the interest rate.　　September 27, 2007, the central bank, the CBRC issued the "on the strengthening of commercial real estate credit management notice", asking for loan interest rate must not be lower than the same grade benchmark rate of 1.1 times times.　　2008, the real estate market plunged, two sets of mortgage policy in practice was "flexible operation", mortgage rates are not strictly implemented in accordance with the above provisions.　　The State Council's "notice" on the two sets of mortgage interest rates expressed as "strictly in accordance with risk pricing", did not mention specific standards. Societe Generale Capital Operations Center chief economist Lu Commissar told our correspondent, "Risk pricing" and the previous 1.1 times times the relationship between two mortgage rates, which requires regulatory clarification.　　"If it is to replace the relationship, it means that the previous provisions have lapsed, interest rates can fluctuate within a certain range, if not to replace the relationship, the bank will execute 1.1 times times two sets of mortgage rates." Many bankers also reported yesterday that "lending rates are strictly in line with risk pricing", a demand that does not give a quantitative bottom line, sufficient the banks ' autonomy.　　Some analysts believe that this vague policy is entirely likely to lead to some banks to two sets of mortgage interest rates on the basis of the benchmark rate of competition downward. Second-hand property owners pass on tax buyers wait and see the policy of frequent attack, so that the national property market turnover has significantly cooled. Second-hand housing transactions tax pass on the unspoken rules return, sellers increase salesThe sale began to prevail. Business Tax "2 to 5" Implementation, the reporter learned from a number of intermediaries, starting from January 1, many second-hand housing sellers raised the listing price. Reporter in Liwan District an intermediary to see, previously listed a house now less than two weeks on the price of 2% or so.　　Analysts believe that the owners raise prices at this time, most of the tax is passed on.　　Zhongyuan Real Estate statistics show that the sales tax "2 to 5", in its monitoring of the 8 major cities, Shanghai and Guangzhou second-hand housing prices rose more than 3%, the rest of the city price rises between 2%~3%. Due to high prices and overall adjustment expectations, the second-hand market has been deadlocked, on the one hand, the landlord to pass taxes, put prices continue to rise; on the other hand, the market turnover has shrunk sharply.　　Figures show that the Beijing-Shanghai-Shenzhen and other cities in the recent decline in second-hand transactions, including Beijing, Sz and Tianjin turnover rate of more than 20%. The State Council 10th issued "on the promotion of stable and healthy development of the real estate market notice", the second suite of loans to the first payment ratio must not be less than 40%, the loan rate is in strict accordance with risk pricing.　　The policy has increased the market's wait-and-see sentiment, and some buyers have said they are not taking shots.　　Yifeng, a famous marketing expert, said that data from one or two-line cities such as Beijing, Shanghai, Guangzhou and Chengdu showed a sharp drop in the temperature of China's property market in January 2010, and if the volume plummeted for two months, the property market would enter a discount period, or it would usher in two inflection points in 2010.　　High-level statement of living and building department: to curb the high prices too fast rise according to live construction department website reports, recently, the National Housing and Urban Construction working conference in Beijing, Jiang Minister of new work report. Weixin pointed out that the housing work should continue to be a serious focus. To improve the policy, increase effective supply, and continue to comprehensively use land, credit, tax and other means to strengthen and improve the regulation of the real estate market. The emphasis is on speeding up the construction of affordable housing, strengthening market supervision, stabilizing market expectations, and curbing the rapid rise in prices in some cities.　　At the same time, we should study the policy of promoting stable development of medium and long term property market. Weixin pointed out that in order to ensure the quality of the premise, vigorously increase the medium and low price, small and medium-sized flat-type ordinary commodity housing construction and supply.