Shanghai: Bank loans must be signed with the borrower 100%.

Shanghai Banking Regulatory Bureau: The bank is strictly prohibited to explain the "two sets of mortgage" standards, the strict down-payment 40% bottom line of Shanghai to tighten the two mortgage loan news finally received official confirmation. The Shanghai Banking Regulatory Bureau issued a press release yesterday that it had recently forwarded the "notice on further strengthening the risk management of mortgage loans" issued by the China Banking Regulatory Commission (hereinafter referred to as "notice"), require banks in Shanghai to strengthen the risk management of mortgage loans, effectively prevent the "fake mortgage", "false down payment" and "false price" phenomenon occurred,　　Not to explain the two sets of mortgage determination standards, not by any means to reduce the proportion of the first payment.　　The Shanghai Banking Regulatory Bureau stressed that banks should strictly review the pre-credit and mortgage lending standards, in the key to support the borrower to buy the first set of home housing loan needs at the same time, to strictly abide by the second set of mortgage policy is not shaken, not to the credit system does not network, off-site purchase difficult to investigate, and so on, abandoned two sets of mortgage policy constraints. The Chairman of China Banking Regulatory Commission, Liu said July 17 at the third economic and financial situation briefing in 2009, for the widely-concerned housing mortgage loans, banks should strictly follow the provisions of the mortgage loan ratio and the loan rate, to adhere to the first Kang Gaocheng of investment housing, interest rate strict risk pricing and credit strict review of the principles　　, strict implementation of the 100% "interview" and "Face sign" system, take effective measures to prevent "false mortgage", "false down payment" phenomenon occurred.　　The Morning Post July 17 has been reported that Shanghai intermediary companies and mortgage companies recently received a number of commercial banks in Shanghai branch of the oral notice, asked the second suite loan first payment must not be less than 40%, two suites loan rates in strict accordance with the benchmark rate of 10% floating to execute, and the relevant implementation rules will soon come out In addition, the Shanghai Banking Regulatory Bureau also announced the first half of the Shanghai real Estate credit operation, said "the first half of the Shanghai real Estate loan growth is strong, credit quality control is good, operating characteristics of the performance of the quantity to increase quality."　　"As at the end of June, the real estate non-performing loans of the Chinese foreign banks in Shanghai were reduced by 850 million yuan at the beginning of this year; the non-performing rate was 0.81%, 0.23% lower than at the beginning. Data show that by the end of June, the balance of commercial real estate loans in Shanghai's foreign banks was 653.36 billion yuan, an increase of 58.77 billion yuan from the beginning of last year, more than 36.8 billion yuan in the same period. Among them, real estate loans in the two quarter increased significantly, only June increased by 25.29 billion yuan, the balance of personal housing loans in June added 12.98 billion yuan, a history of the largest incremental record month.　　In addition, the two quarter increase also hit a record high.　　CBRC: The offending institutions will suspend lending for mortgage loans in violation of the "two mortgage" provisions, even if the loans have been classified as normal class or concern, the banking institutions should be reclassified, if necessary, additional collateral or compression of loans, and timely replenishment provision. For serious problems, rectification is not in place, repeated investigation of repeated offenders, continue to violate the rules of the institutions and responsible personnel, will be suspended in the relevant institutions (branch offices) real estate mortgage loansBusiness, suspend the real estate loan line of senior executives access, suspend the establishment of new institutions and foreign access.