The banks ' performance is different when the two sets of home loans tour

At present, the implementation of various banks to recognize the credit is not Qin Liping Lin Xiaozhao "Banks in the credit and recognition of the implementation of different, our banks are very strict enforcement, so the business is difficult to do."　　Yesterday, a joint-stock Bank of a branch of the credit department, said the first financial daily, in Guangzhou, for example, some local small banks neither recognize the house nor credit, in order to seize market share; In addition, some disguised return point phenomenon and quietly small area.　　At present, the Ministry of Housing and the Joint inspection team of the CBRC have begun to inspect some of the first-tier cities in China. "On the afternoon of 25th, in Guangzhou, the CBRC and the people of the Ministry of Housing and Construction have convened major banks to oversee the implementation of the two housing loans, and all the major companies have told their own two sets of mortgage implementation and recommendations."　　"A person from the Guangdong branch of a state-owned bank said to this newspaper. Inspection and supervision of two sets of home loans in multiple cities the above-mentioned people said that the eight major cities involved in the inspection are Beijing, Shanghai, Guangzhou, Shenzhen, Sanya, Nanjing, Hangzhou and Xiamen.　　Recently, the CBRC and the housing construction department have been in Beijing to listen to the capital of the major banks report.　　A joint-stock Bank of the Department of Credit to this newspaper said that, according to the requirements of supervision, inspection of two sets of banks and above the implementation of the rate of housing, the number of first Shengcheng, the issuance of two sets of housing loans and more than the number, as well as the bank two and above the housing cognizance The person said that the CBRC and the Housing Construction Department Joint Inspection Unit for the banking industry to complete the inspection before the national day, the National day after the summary report, "There are no relevant policies, may be depending on the inspection situation." If the inspection team found that the new ' Country 10 ' mortgage policy enforcement, may increase penalties, such as the first warning to individual banks, and then the banking sector as a whole increase in the size of the loan compression.　　"This claim has not yet been confirmed by the regulatory authorities. A number of bank credit lines related to the newspaper said that in the new "Country 10" under the influence of this year's mortgage business has been greatly affected. "The second half of the year's monthly mortgage is only half of the first half of the month."　　"The overall situation of the banking sector is probably similar to that of the bank," said the bank's credit ministry. And the former state-owned Bank of Guangdong branch of the newspaper said: "Now our business volume is indeed falling very quickly, July new mortgage less than 40 million yuan, this is what concept, simply do not do." "Some of the banks do not recognize the house and do not recognize the loan" in the interview, the newspaper found that although the new "State 10" and other provisions of the two set of loans to the determination of the strict provisions, but the actual operation of the bank secretly dozen edge.　　In Guangzhou, for example, a few days ago, some bank lenders complained to the newspaper, some local small banks in the recognition of housing and credit enforcement lax, so as to seize the market. "The housing data of the eight old buildings in Guangzhou City can be found in Guangzhou." In our bank loans, we have to give customers a letter of introduction, to the city Housing Bureau to pull up their own home data, the line to verify whether two suites. This kind of operation is a bit troublesome, sometimes to the housing Bureau is not necessarilyCan be found, so some banks do not voluntarily request customers to the Housing Bureau to adjust the data.　　"The above-mentioned joint-Stock Bank branch of the credit department said that some banks therefore to" house "implementation is not strict, require customers to write a letter of commitment, stating that they do not have two suites, and then issued loans. And in "credit", similarly, some local banks have lax enforcement, "if the credit system shows that the loan has been repaid, some banks will borrow from the first suite, or, for example, if the loan is repaid in early September and a loan is to be bought at the end of September, the credit system may not have been able to demonstrate Customers can also borrow the first suite as long as they declare it.　　"Because of this situation, some intermediaries have focused on lending lists to these banks," said one of the lenders in a joint-stock bank.　　Some banks also believe that such "credit" irregularities or a very small number of cases. Recurrence of disguised return points in addition, some Guangzhou bank insiders said that the current mortgage rebate situation and a small scope.　　At the beginning of this year, a number of cities, including Guangzhou, have been explicitly banned from various forms to the intermediary.　　A joint-stock bank, the exchange of information on its peers, in Guangzhou, some joint-stock banks in the form of business reception fees, marketing costs, cash to the intermediary to pay the rebate fee. "As I know, the rebate of a joint-stock bank is about 0.2% per cent, and the bank pays the agency a hefty assessment fee, with a rebate of about 0.3%." The mortgage company and other intermediaries can directly take invoices to find bank reimbursement, bank Loan Account Manager in cash form to pay intermediary. The above-mentioned personage discloses, this kind of disguised return point mainly exists in a few joint-stock bank. Compared with last year, the rebate cost of this year reduced, the general rebate fee level in the last year between 0.5%~0.8%, high can reach 1.2%.