Shanghai wants to tighten Guangzhou all do not know two sets of mortgage discount or cancellation at the end

Guangzhou Bank is not aware of the new Express message after July, Shanghai yesterday again spread two sets of loans to tighten the news, said the second suite loan 70 percent interest rate concessions will be canceled at the end of many banks of personal mortgage volume blowout.　　In this regard, the reporter yesterday in Guangzhou, the major bank consultation found that the current two suites loan business is normally carried out, and many bank credit department people also questioned the news, said it has not received any wind. Guangzhou Mortgage all normal Although the news from Shanghai rhythmic, but yesterday reporters consulted the CCB, people's livelihood, deep development, Everbright, Guangdong and other banks in Guangzhou branch of the credit department, its staff all said that the current personal mortgage all normal. "Neither the central bank nor the CBRC has the following, as far as oral communication is concerned, I have not received this level."　　"A bank in Guangzhou branch, the head of the credit department told reporters that the previous several cities have heard similar news, but ultimately there is no context." And the reporter also wants to buy two suites, worried about the cancellation of interest rate concessions, to the Guangzhou some property companies to pry news. "At present, no news has been received Ah, if there is really we will know in advance, inform the customer to seize the deal."　　Zhongyuan Real Estate intermediary to reporters frankly, large real estate intermediary companies have cooperative banks, once there are signs of trouble, will be in advance to receive information, or even two or three months early to know. Discount on the end of the year. According to the reporter understand, in addition to two sets of mortgage interest rate concessions, last year, the state also launched more than two years second-hand housing transfer exemption from business tax concessions. The central bank did not specify the time limit for mortgage concessions compared to the latter's explicit provision for a one-year interim.　　In this regard, the people interviewed in the industry, although the recent call to stop the policy is not surprising, but the implementation of the possibility of disagreement. Tao Koming Securities researcher, said that the two housing loans preferential policies will not end lightly. "Based on the current stage of economic recovery and the importance of real estate, we expect that the interest rate and down payment policy of the two mortgages will remain constant, but the degree of enforcement will gradually increase." "or subject to the new loan regulation 28th, the CBRC has just issued the" personal loan management interim measures (draft), and to the community for public comment. "　　In this respect, the Guangzhou bank industry Personage said, this Shanghai news May and a loan new regulation have certain correlation. According to the CBRC's statistics, personal loan business developed rapidly in the first half of the year, with a cumulative increase of 650.8 billion yuan in personal consumption loans, up from 391.7 billion yuan over the same period. Some banking financial institutions in the loan business irregularities, resulting in some loans into the stock market.　　In response, a state-owned bank, the staff of the broad credit department, said that the bank's personal mortgage business has not changed markedly since the three quarter, but the individual consumer loans have tightened, in line with the new rules of the field. Experts say Guangzhou real estate experts Han Xi: High prices have become a barrier Lake policy regulation should be gentle in this node to stop two of mortgage concessions, certainly to curb the price is very effective, there is such a possibility, but whether the implementation should be prudent, or it may repeat the situation after the new deal of the 9 27 property market in 2007. Now Guangzhou's property market is already high-risk, high prices are like a lake, if the policy is too fierce, it is likely to cause the property market collapse. In Guangzhou, the current high housing prices have caused insufficient demand, and if the price of housing, and there is not enough rigid demand for the market will have serious problems.　　　　Even stop the mortgage preferential policy, also should not be across, and can take the Cascade policy, first-time home purchase 70 percent interest rate concessions, two, three or four sets, and so on. Two sets of loans preferential policy tightening rumors in July, the CBRC issued a "notice on further strengthening the risk management of mortgage loans", requiring banks to strictly enforce the second set of mortgage-related policies.　　Shanghai and other land on the spread of two of mortgages began to tighten news, many Shanghai Bank said the second suite must strictly implement 40% down payment and difficult to implement interest rate concessions. 2.2009 years August, Shanghai has also spread the second suite loan concessions may change this month news, some people rob 70 percent "last bus."