Some branches of the postal Reserve Bank have taken the lead in acknowledging the mortgage

The first implementation of "recognize the house does not recognize the loan" Hangzhou Provident Fund Center to suspend the second suite for trainee reporter Chen Yanyan reporter Zhao with the new Deal, the second suite of standards more and more people's attention. However, for the two suite of identification, the competent departments are also different. Among them, the CBRC requires that "the number of houses to the family as the unit" shall prevail; the administrative Bureau of Hangzhou Municipal Bureau of Finance collects the tax records as the standard. Recently, the Postal Reserve Bank adjusted the two suite standards, as long as there is "no proof of households, you can enjoy the first set of home loans concessions."　　According to the Hangzhou Municipal Housing Provident Fund Management Center related staff revealed that the Hangzhou Municipal Provident Fund Center recently suspended all two sets of mortgage applications. Some branches of the postal Reserve Bank took the lead in the middle of this month, Miss Liu sold her own house, ready to redeem Camphor apartment a 88 square meters three rooms, a total price of 2.47 million yuan residential. Although the house has been sold, she has had a loan record, according to most banks previously on the two suite of the standard, belonging to two suites.　　Unexpectedly, the Post bank reply to her is: Enjoy the first set of loan concessions, down payment 30%, loan rate of 90 percent.　　A number of bank branches of the loan department staff said that even if there had been a loan to buy a house record, as long as the applicant from the Housing authority to obtain a "no house proof", and the loan limit of 1 million yuan, can still enjoy the first set of home loans preferential policies. Industry insiders say the new loan policy of the postal Reserve Bank is actually skewed towards the improvement of homebuyers. Loufi, director of the law department of Xinyi Housing, said: "From our company loan situation, a week, the application for Postal Savings Bank loan ratio has risen, which to improve the majority of home buyers." "Previously, the CBRC announced a second set of housing standards:" The number of houses, family (including borrowers, spouses and minor children) as a unit. "That is to say, a family just buy a house, and then buy a house called two sets, regardless of whether the previous purchase from the bank loans."　　But at present, the state-owned four banks and most commercial banks still use the loan record as two suite standard. Provident Fund Center to suspend the second suite for Housing Provident Fund Management Center in Hangzhou, the relevant staff said that, starting from April 16, Hangzhou's Provident Fund loans in the down payment ratio on the adjustment, the first purchase of the building area of 90 square meters above the home, the minimum down payment ratio of 30%　　Two times the minimum down payment for Provident Fund loans is 50%. "The new deal for the two suite of the identification rules, has not been a clear notice of the superior department." If the house buyers have separately handled Provident Fund loans, and business loans, once again to apply for Provident Fund loans, in the end is two sets or three sets of disputes, so we suspend their loan business.　　Provident Fund Management Center staff said. Industry insiders believe that although the ratio of the down payment of Provident Fund loans increased, but for ordinary buyers, Provident Fund loan interest rates are still in accordance with the previous policy implementation. Take two suite loans for 20 as an example, the common productThe gold loan year interest rate is only 3.87%, compared to the commercial loan float 1.1 times times after the 6.53% interest rate, still has 2.66% discount.　　The second Provident Fund two suites to determine what kind of approach, will be a lot of home buyers to buy a house plan impact. Annex: How to issue a housing loan to the house lender, first go to the loan bank issued a "no house proof" of the letter of introduction, and then by letter to Hangzhou Housing Authority Archives (No. 40th Kaiyuan Road, Hangzhou City) issued without a household proof.