Some banks in Beijing say they don't use up credit lines this year

The down payment ratio rises, two sets of mortgage tightening, three sets of mortgage suspension ...　　Real estate regulation one after another, but no matter how high the threshold of the loan to buy a house, after all, "door" is still open. Recently, the capital of the bank began to "close the door."　　Some banks are no longer accepting mortgage applications, and some branches of banks have stopped lending, and the bank explains: This year the credit line is running out. found that the bank to the new loan application said "No" reporter recently as a home buyers identity consulting banks and lending institutions learned that Citic Bank for personal mortgage business "no longer orders."　　China, deep development and other banks of some branches, also no longer accept the new mortgage applications. "This stop loan is not for two suites, three suites loans, but all loans." "The staff of the above-mentioned banks said that the current stop loan is not the regulatory requirements of macro-control policy, but the use of credit lines." "The regulator has a monthly limit on bank lending, and once the loan line runs out, no loans can be issued." "The above explanation was verified when consulting other banks. A state-owned bank mortgage business manager, who declined to be named, said that banks that still issue housing loans, such as construction, China, agriculture, Beijing and Pufa, would also control credit lines every month. "For example, our sub-branch of millions of per month, used up, the new single will not be able to pick up."　　"It's getting harder to paparazzi before the end of the year." One credit agency salesman told reporters, although the bank is still a small number of loans, but due to the credit line, the end of the year before the application of the mortgage will become more and more difficult. For the current application of the loan customers, capital institutions are to seize the time to deal with the bank's lending policy will change at any time. "There is so much water in the pool, now everyone is rushing to scoop, who first scoop to calculate who, who knows if there is still behind."　　A credit manager is so figurative. In accordance with past practice, in addition to the amount of loans to stop lending, the bank at the end of the business settlement will also suspend loans.　　By then, those who have passed the approval, but have not issued the loan, will need to wait until the next year to be in place. "We are not surprised by the bank's lending overdraft in October," he said.　　"The capital of the credit institutions" Wai Ka, the relevant head of the Hao morning to reporters that the end of the bank to tighten the mortgage is "the practice", this year although more stringent, but also has its reasons. The size of China's new loans in 2010 is not to be underestimated, the central bank data show that October yuan loans increased by 587.7 billion yuan, more than 334.7 billion yuan Year-on-year.　　RMB loans increased by 6.89 trillion yuan in the previous October. Previously, in order to fully grasp the scale and pace of credit, the regulator adopted a monthly, quarterly regulation of the size of the credit policy, the 2010 demand for new loans of about 7.5 trillion yuan, and four quarters in accordance with the proportion of 3:3:2:2.　　In other words, in the last two months of this year, our commercial banks have only about 600 billion yuan of credit space left in the whole year plan. Credit will be tighter next year.In the short term, the bank raised the reserve requirement ratio of 6 banks by 50 basis points, which means that more than 300 billion yuan will be frozen.　　As a result, commercial banks have been forced to lower their credit scale.　　Hao said that from the recent central bank to raise interest rates, increase deposit reserve ratio of a series of tightening means can be judged, next year, strict controls on the credit increment will become inevitable, from the overall view, even if the "loan year", the housing policy will not be too loose. Experts with similar views already dominate the industry.　　Industrial Bank chief economist Lu Commissar recently published a study, said, in the inflation control expectations, it can be foreseen that China will continue to experience policy-intensive period, the estimated next year, the credit is difficult to exceed 7 trillion yuan.　　Forecast housing companies "blood" without a door to the real estate market or the price of a wave of Hao that the mortgage tightening for the home buyers who are applying for a mortgage, although it is bad news, but for the buyers who have not shot is not necessarily bad.　　As the credit limit is used up, banks will not only control personal mortgages, but will also make more restrictions on the approval of housing development loans, which will put more pressure on developers ' capital chains. Mortgage tightening is more slowly, the development of loans Limited and "blood" no door, which makes many developers under the pressure of capital, have to choose a discount.　　Therefore, it can be foreseen that more real estate will be added to the reduction Army before the end of the year.　　Hao suggested that people with home ownership plans, if not particularly anxious, can cash to wait for a cheaper house to appear after the Spring Festival next year. If the buyer has already shot, ready to enter the mortgage application link, it is best to consult several banks of the mortgage policy, or choose a larger loan agency to handle, in order to increase the success rate of the loan application. This edition/reporter Zhang Yi