The major banks do not leave the new deal buffer period can not grab the old bus

Yesterday, the CBRC officials said the CBRC had conveyed to the bank the spirit of the immediate implementation of the second suite loans, but the implementation of the banks may be different, so there will be a short time buffer period, but the bank is required to shorten the buffer period as far as possible.　　Reporter also from a number of banks of the mortgage department and the housing Agency received information, the CBRC yesterday has officially informed the banks, the bank immediately required strict implementation of the new two suite housing policy. From yesterday onwards, the capital of the banks have been fully strict implementation of the New deal. In the previous few days, many buyers have boarded the last bus.　　"The banks have all ceased to carry out the old ' old" policy, and all began to determine the loan ratio and interest rate of the two suites in strict accordance with the new policy, according to the relevant head of the professional personal loan organization Wei Ka Chit.　　April 15, the State Council executive meeting requested that for the purchase of the first set of home and set the building area of 90 square meters above the family, the first payment of loans should not be less than 30%; for the family that buys the second housing, the loan is not less than 50%, and the loan rate must not be less than 1.1 times Reporters noted that the banks to implement the New deal has not "left a hole."　　Previous media speculation that the implementation of the new deal may be the loan material to accept the day as a "sector", which means more relaxed, customers will be more than a few days "catch the last Bus" time. According to the reporter understand, the bank is now most of the loan contract signed Day as a time node. There are also some banks more stringent, is the online contract and property transfer day for the new and old policy enforcement boundaries.　　　　In other words, as long as it is not signed until yesterday, the second suite has a down payment of more than 50%, the lowest loan interest rate is 1.1 times times the benchmark rate. Experts point out that the 30% non-performing loan rate or rise to 3% the government regulation policy and market reaction, causing widespread social concern, whether the property market will be the turning point of the topic, again become the focus. Guo, director of the China Banking Research Center at the Central University of Finance and Economics, said it was hard to predict the current price: "I don't know if I can form a turning point." "Guo that if the real estate market in a short period of sharp reversal, will certainly lead to the rise in non-performing loans banks." The results from the bank's stress tests show that if real estate falls to 30%, the bank's non-performing loan rate could rise to three or four points. And after the increase in the down payment is conducive to reducing the risk of the bank, after all, the second suite 50% down, which is lower than the risk of four, real estate, the possibility of a large u.