The details of the new deal are unclear.

"Mortgage New Deal" part of the details are not clear, the majority of banks on the sidelines, "consumer loans" have the universe of individual banks suspect in disguise to pay attention to the housing market New deal, April 15 and April 17 property market regulation of the new deal for nearly two weeks, reporters yesterday from the province of the major banks learned that　　such as two of the determination of the standard, three suites are discontinued, the stock of mortgage interest rates are adjusted, and so on, most banks or in accordance with the old rules, or waiting for supervision and the headquarters of the notice, wait-and-see atmosphere and the same strong buyers.　　Second Suite still "credit not recognized room" according to the reporter understand that the "two sets of mortgages," the decision, the bank is basically the central bank credit system as a rule, as long as there are mortgage records, whether or not to pay off or sell, and then loan to buy a house even if two suites. The wavering came from a message released last week by Yang Jiacai, a director of banking supervision at the CBRC. He told the media that the new mortgage policy is based on the actual number of borrowers holding houses to determine whether it is two sets, three sets, at the same time, to determine the scope of the family as a unit.　　That is, "recognition of the House does not recognize the loan", and the House of the units "needs to be checked by the housing registration system, by its identification." This is a subversion of the currently executed two suite definition standard. But in fact, many bankers are not optimistic about this.　　On the one hand, because there is not a national network of real Estate query system, Civil affairs system is not docking, how to inquire, verify the house of a few, determine family members is a difficult; on the other hand, "to house" still exist "speculation" loophole. "If you only look at the actual set of real estate and there is no supporting measures, it will leave a path to speculative speculation." "A banker in the bank's mortgage department said that the speculators could sell a set of fried flats so that he could enjoy the first mortgage payment if he had zero property in his name."　　"So the best way to do that is to look at the home record, or to combine the ownership of the property and credit records." It is reported that because the Yang Jiacai revealed the standard has not yet formed a document issued, so the provincial banks still according to credit records to determine, "such oral information can not be judged basis."　　"One bank said. In addition, according to the reporter's discovery, the establishment of the two suite standard by the Ministry of Housing and the People's Bank of China and the CBRC is still in progress, "limited to the house and family" may be the basic principle of the standard, but the first set of housing and the reasonable demand for the improvement of the room will be considered.　　If so, the improved demand of being "wrongly killed" will be turned over.　　The Bank of China has recently taken the lead to the "stock mortgage" move knife: According to the contract with the customer, when the adjustment of interest rate expires, the first set of stock, two sets, three sets and above the floating rate of mortgage interest rates adjusted to the benchmark rate of 0.85 times times, 1.1 times times and 1.2 times times respectively. It is the first bank to announce a 70 percent discount on a large area of mortgage lending since 2008, when the country expanded its first mortgage rate from 85 percent to 70 percent. Yesterday, the reporter to the province to consult a number of banks to learn, including workers, agriculture, construction, exchange, CMB, deep development, Pudong, people's livelihood and other banks, have not followed the adjustment of the stock of mortgage concessions. "All of us are subject to the head Office document and we have not received any notice to adjust this." Guangdong ICBC, CCB, the relevant people have made similar representations. More bankers to the Bank of the move expressed puzzled: "After all, the bank is still high-quality assets of banks, so doing to the old customers more harm, may trigger more mortgage, prepayment, resulting in loss of market share." Now the country has not announced the total abolition of 70 percent mortgages, the bank itself to do so, a little read.　　"There are also bank officials privately told reporters that if the country completely cancel 70 percent discount, banks will be happy," after all, after 70 percent of the profit has been very thin. The bank's move also raised questions about "unilateral changes in margin defaults", Chao, director of BOC's office, who explained that the bank's mortgage loan with its clients typically assesses the rate once every two years.　　The legal profession has also said that if the loan contract does have an agreement on the way the interest rate is adjusted, the bank does not default. However, the Bank of BOC's new rules on the stock of mortgage knives, seems to be in the implementation of the Bank of the different progress. Guangdong Bank of the relevant Personage said, because there is no specific way to adjust, the bank is still waiting for the headquarters of the implementation of the rules, the current stock of mortgage adjustment policy has not landed.　　Bank of China Shanghai Branch customer service also said that before the new notice, the stock of the mortgage is still at the original rate of implementation. Banks have suspended three of loans for three mortgages, the bank and BOC issued a notice that in principle no more than three mortgages; the Shenzhen Development Bank also made clear that it would suspend the issuance of three mortgages from 20th this month. CCB, Citic Bank, said that three of loans will significantly increase the proportion of the first payment and interest rates, the high price areas, according to the risk situation, suspend the issuance of three sets of housing loans. Other banks, such as Pudong, people's livelihood and some foreign banks such as Standard Chartered, HSBC and East Asia, have suspended three loans.