Personal mortgage fade tightening trend some banks adjust 70 percent discount

Xinhua Beijing, January 25 (reporter Bai Jiechun, Wu Yu, Huayadi) The recent personal mortgage interest rate concessions and distribution of the market attention.　　In the interview, the reporter learned that at present, some banks did not stop the approval and issuance of personal housing, but in the discount and approval procedures to tighten.　　The highest share of personal loans to the construction Bank said that the head office did not cancel or tighten mortgage interest rate concessions, still in the central bank and the CBRC Mortgage policy guidelines, for customers and different regions of the risk situation, the implementation of differential treatment of mortgages. "At present, continue to maintain a sound credit, pay attention to the protection of risk, there is pressure, the quality of customers, high-quality business will be focused, targeted lending, will not be ' one-size-fits-all ' type of tightening."　　A CCB related personage said 25th. In Beijing, Ms. Song applied for Personal housing Provident Fund loans 900,000 Yuan, last December has passed the relevant departments of the construction Bank approval. Recently, many banks have been suspended or delayed the issuance of personal loans, hurriedly asked the operator.　　China Construction Bank Beijing branch of the city branch Qiu manager told her, and did not receive the bank's headquarters policy adjustment or mortgage tightening, and said in the next 30 days will inform its lending news.　　After the construction Bank Xidan branch of the Ministry of Credit staff had disclosed that since last November, the application for mortgage 20% can only enjoy 90 percent discount, down payment 30% can enjoy 85 percent discount, only down payment of 40% can enjoy 70 percent discount. ICBC Shanghai Branch 95588 customer service staff told reporters that the current ICBC on the first set of mortgage interest rate discount is not adjusted, still press 70 percent to implement.　　In the down payment ratio, 90 sq m below the implementation of 20%, 90 sq m above the implementation of 30%.　　BOC said that the bank has not stopped the new loan issuance, in order to grasp the amount of credit and rhythm, to maintain the sustainability of loans, the need to achieve a balanced monthly quarterly, more focused on the optimization of credit structure and adjustment.　　It is understood that BOC has made clear that the first set of loans in Beijing interest rate discount from the original 70 percent liters to 85 percent, while the two sets of home loan audit will be more stringent. China Merchants Bank 95555 customer Service Center said that CMB temporarily did not receive the notice to adjust the mortgage policy, still carry out the first set of mortgage 20% down payment, the rate of 70 percent discount policy.　　At the same time, according to the central bank's notice to decide whether to change the housing policy.　　In addition, the reporter from Beijing's largest two second-hand housing brokerage company "Chain Home Real Estate" and "I love my Home" learned that the two companies to deal with the second-hand House mortgage has not changed.　　"Chain Home Property" Horse home Fort Zhang Lei told reporters, in helping customers to deal with the mortgage business, contacted 7 banks, did not appear to stop lending.　　"I love my Family" Chaoyang District Beiyuan Home store salesman Liu Zhong also said that in the process of handling second-hand housing with customers, the banking business of the bank did not see adjustment, second-hand House transactions still according to the first suite down 20%, the loan rate of 70 percent policy implementation. Guo, director of China Banking Research Center at the Central University of Finance and Economics, said some bank mortgage policy adjustments, mainly related to bank regulation of credit volume.　　To rein in credit growth earlier in the year to prevent some bank credits from "Running Out of steam" in the early years, some banks took short-term controls to tighten credit, with average annual credit growth, which in turn affected individual mortgages. The central bank data show that the real estate market sales good impact, real estate development loans and home loans growth rate continued to accelerate. At the end of last year, real estate development loans and home loans for major financial institutions grew 30.65% and 42.47% respectively.　　Last year, real estate loans added more than 2 trillion yuan, accounting for 20.9% of the new loans, new real estate loans, personal housing loans accounted for up to 69.7%. With the recovery of the real estate market, the recent rise in some urban housing prices and other issues caused high priority to decision-making. 10th this month, the State Council issued a "circular on the promotion of stable and healthy development of the real estate market." The 2010 working meeting of the Central bank emphasized that we should pay close attention to the changes of real estate market, strictly implement the real estate credit policy and promote the healthy development of real estate.　　The CBRC also said that it should pay close attention to the changes in the real estate market, strictly implement the relevant credit policy, strengthen the supervision and management of real estate loan business and window guidance. Tao Koming Securities Real Estate industry analyst analysis, under the guidance of national policy, different banks will be based on their own home loans to adjust the loan amount and interest rates.　　The adjustment of interest rate preferential policy is normal, and it also helps to guide housing consumption rationally and restrain the demand of investment speculative purchase.　　Bai, a real estate researcher at CICC, said the bank's tightening of mortgages would play a positive role in curbing the excessive rise in house prices, and that turnover and prices in the real estate market are likely to adjust in the short term. "If credit grows too fast, it will increase inflationary pressure." To prevent inflation expectations, this year's credit is special. Banks should control the pace of lending, pay attention to the differential treatment in the mortgage policy, and construct a reasonable and balanced credit structure. "Guo said.