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The construction bank to refine the policy of differential mortgage differentiation the CCB yesterday further clarified the individual housing loan differential policy, in addition to strictly implement the State Council new deal, but also demand for real estate price fluctuations in the region, further increase the proportion of the first payment. CCB said that, according to the State Council to curb the excessive rise in housing prices in some cities of the policy requirements, the CCB should take into account the local real estate price trends, housing project price, customer credit status and other factors, according to the relevant policy requirements of the Head office, the formulation of differentiated first payment ratio requirements, The risks that may result from fluctuations in the value of the mortgaged property. CCB made clear that the purchase of the first set from the housing and set the building area of 90 square meters above the family, the first payment ratio of loans should not be less than 30%. Loans to buy a second housing, the proportion of the first payment shall not be less than 50%, the loan interest rate should not be less than 1.1 times times the benchmark rate. For the purchase of third and above housing loans, the ratio of first payment and interest rate is greatly increased. CCB proposed that commodity housing prices are too high, rising too fast, tight supply areas, the branches can be based on the risk situation, according to local government and regulatory requirements, to suspend the purchase of third sets of housing loans and above. To suspend the purchase of housing loans for non-residents who cannot provide proof of local tax or social insurance contributions for more than 1 years.
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