The CBRC issued two mortgage-intensive magic spell

This newspaper Changsha the CBRC June 22 issued the "on the further strengthening of mortgage loan risk Management Notice" (hereinafter referred to as "notice") triggered the recent Hangzhou, Beijing and other land banks began to tighten the mortgage market. July 17, the CBRC chairman Liu said, to control the risk of real estate loans, strict implementation of the "Second Suite" standard.　　In this respect, a number of bank lenders in the province said they had received the notice, but some banks are waiting for the details of the headquarters. CBRC in the "notice" clearly pointed out that the recent real estate market in some areas of greater volatility, real estate credit, especially in the mortgage business, such as "fake mortgage", "false down Payment", "false Price", "two sets of mortgage" standards relaxed and other issues also began to be exposed. Emphasis has been placed on the implementation of two mortgages. The notice said that strict adherence to the second set of mortgage policies will not waver. To adhere to the loan standards, strict borrower qualification review, prudent assessment of the borrower risk, to determine a reasonable rate of loans.　　Does not have the credit system not networking, the place buys the house to be difficult to investigate and so on abandons "two sets of loans" the policy restraint, may not explain "two sets of loans" the determination standard, may not by any means reduce the proportion of the first payment in disguise. July 17, the CBRC held the third economic and financial situation briefing in 2009, Mr Liu stressed that to control the risk of real estate loans, strict implementation of the "Second Suite" standard, strictly in accordance with the provisions of the mortgage loan first payment ratio and loan interest rate, to invest in housing to adhere to the first Kang Gaocheng number,　　The strict risk pricing of interest rate and the principle of strict credit audit, strict implementation of the borrower 100% "interview" "Face Sign" system, take effective measures to prevent "false mortgage", "false down payment" phenomenon.　　According to the above requirements, commercial banks in the future to the same lender two suite loans, in addition to the institutes 131th, the "improved housing" can be referred to the first suite currently 20% down payment, 70 percent interest rate implementation, all the rest of the loans will be executed 40% down payment, 1.1 times times the interest rate. "Since this year, almost every bank to handle the second housing mortgage customers are basically a set of improved housing to operate, given the interest rate is 70 percent." "The two-time intensive" magic spell "was the first to explicitly require commercial banks to carry out two sets of mortgages, according to a institutes 131th article issued by the CBRC at the end of last year," said a person in a state-owned bank loan business in Changsha yesterday. Previously, regulation has not clearly shown how to define the second suite, banks are also "loose" operation of the mortgage.　　According to the introduction, the Bank of the second mortgage policy explanation has been relatively "vague", but now the caliber is highly consistent: no matter whether the first mortgage is paid off, as long as the credit system has records, are regarded as the second set, must be a down payment of 40%, interest rate 1.1 times times.　　At present, the scale of two suites in many areas has far exceeded the bank's previous policy tolerance limit, that is, according to the most lenient implementation standards: down payment 20%, and enjoy 70 percent discount rate. Bank mortgage people said that in some of the second suite loan operation is more crazy areas, it is not uncommon for the same person to hang several apartments in accordance with the first set of standards. In addition, the loosening of loans is also contributing to the excessive rise in the current property prices. Reporter Chu Yu intern Yicho [Related link] whether the loan has been granted the original discount as the case may be "according to the previous policy, as long as the settlement of the loan, and then buy a house is the first set, and the first suite can enjoy a down payment 20% discount. But now I dare not give the customer too definite reply. "Yesterday, a state-owned bank of Changsha, a mortgage person told reporters that although the bank has not received the relevant notice, but the two suite policy is tightening, perhaps soon the new policy will be implemented.　　He advises customers, "if the availability of the housing is found, it will be finalized as soon as possible, to do the loan, the faster the better." "Now we can get 70 percent, and when the policy comes down it will be too late." "A recent home buyer, Huang MoU, said the first half of this year's housing prices soared, he would have to wait and see for some time, but the mortgage tightening rumors let him decide to start early." In the past, after the first suite loan was closed, the first-hand room purchased, even the second suite, could still apply for a 70 percent interest rate discount on the loan to the junior suite. But once the tightening policy is implemented, this situation certainly does not exist, especially 144 square meters above the house.　　The bank said that before the new rules came out, the loans currently in progress would be based on the approval to determine whether or not to enjoy the original concessions. Reporter Chu Yu intern Yicho