Shanghai tightens two mortgages in Chengdu

Following the tightening of two mortgages in Hangzhou, Beijing and Shenzhen, news from Shanghai and Chengdu has formally tightened the two-room loan policy.　　Recently, there are media reports, a number of intermediary companies in Shanghai loans and mortgage companies have received some of the Commercial Bank of Shanghai Branch of the oral notice, the second suite of loans to the first payment must not be less than 40%, the second suite loan rates began strictly in accordance with the benchmark rate of 10% to carry out. Shanghai: Censorship begins to tighten yesterday, the Shanghai Securities daily to the commercial banks to verify the matter, Pudong Hair Bank personal Credit Department, a person in charge said, did hear the relevant statement, but there is no official documents sent to the local branch. "There is no formal paperwork, and we are ready to start tightening," he said.　　The official said.　　A credit manager at Bank of Communications Shanghai Branch said there had been no formal tightening of two mortgage notices, but that some of the second-suite loans had been tightened in the vetting process. Shanghai Mingming Real Estate general manager Li Minghua told reporters that the current strict two suite tightening policy is still in place, that is, the previous report of 30% down payment, 70 percent discount rate of two suites business has not been formally rejected by the bank. The more obvious experience is in the Qualification review link. "For example, a customer provides 10,000 of the monthly income certificate, the Bank will pull out its Provident fund chronological, if the monthly Provident Fund only 200 yuan, the bank has reason to doubt the authenticity of its income certificate." This was not in the previous review process.　　"Li Minghua said. In addition, a two-suite loan prior to the review period is 5-6 days, has now been extended to about half a month. "But it should be said that as long as the second purchase will require 40% down payment, 1.1 times times the rate of the practice, has not been strictly implemented in the market."　　Another real estate agent said. Chengdu: The most stringent scale to carry out two sets of mortgages "Chengdu also tightened two sets of mortgages!" "Late yesterday, Chengdu's largest real estate advisory body Responsible person told reporters," before the loan has not paid off, the second loan can still low down payment, lower interest rates, but now certainly not. "According to people familiar with the matter, since last week, CCTV exposure to Chengdu Banks two sets of mortgage policy collective violations, the Sichuan local banking regulatory authorities asked the major banks to strictly self-examination second suite loans, and began to tighten the relevant policies. "So the recent two housing loans in Chengdu will certainly be carried out according to the strictest standards." Although some small and medium-sized banks can also borrow to 85 percent of the preferential rate, but 40% down payment is certainly not run.　　People familiar with the matter said. The recent strict control of two sets of mortgages began with the spirit of the CBRC's June 22 document.　　It is understood that the office of the CBRC to the CBRC and the banks of the bank issued a "notice on further strengthening the risk management of mortgage loans" required banks to strictly check the second Suite Mortgage Loan review and release, not to explain the "two sets of mortgage" standards, not by any means to reduce the proportion of the first payment. "The original country's two sets of home loan concessions are very clear, is to ' reasonable demand for housing ', but in the actual implementation of the process, some banking scale is very wide." to the presentIn the market is too hot, investment demand began to rise. For risk, and because most lending targets have been completed in the first half of the year, it is imperative that banks tighten two of mortgages. "A real estate industry expert in Chengdu said.