Three major lines start to implement the New deal with the date of the effective contract

On the day of the commencement of the contract, the borrower who is in the process of doing so is in the field. Following the Friday ICBC announced the implementation of differentiated housing credit policy, Bank of China Beijing Branch, ABC Beijing Branch also announced from now on the implementation of the new mortgage policy, that is, loans to buy a second housing households, the proportion of loans to the first payment should not be less than 50%,　　The lending rate must not be less than 1.1 times times the benchmark rate.　　While most banks still deal with two of mortgages in the same way, some banks have told reporters that loans in the approval process may be implemented in accordance with the new policy, with lenders being asked to raise their down payment.　　The new rules to the "Effective day" for the sector in the State Council issued two sets of mortgage payments to 50%, such as the new rules, some of the "mortgage slaves" currently in the process of making loans are worried because if they are asked to raise down-payment or interest rates in accordance with the new rules, it is possible that a default or transaction failure could be caused by insufficient payment. A joint-stock bank credit department related Personage told the reporter, the mortgage from the declaration to the loan has three steps: The loan material accepts, the loan contract sign, the exchange transfer. If banks are "bounded" on loan materials, it means that lending standards are still looser, and that average buyers will be using the old-fashioned way to determine the number of Shengcheng and interest rates.　　However, the date of signing the loan contract is "bounded", which is the most normative and reasonable, and if the transfer date of the exchange is "bounded", the loan standard is very strict. BOC Beijing Branch told reporters in the morning, for the loan has not yet been approved for loans, the bank to the effective date of the loan contract as a "sector", according to new methods, old people to carry out the old-fashioned way. In other words, in the new deal when the loan contract has been signed under the old policy implementation, the new deal was issued when there is no loan contract loan application, the implementation of the "Second housing households, the first payment ratio of loans shall not be less than 50%, the loan rate shall not be less than 1.1 times times the benchmark rate　　"New policy. Many bankers said that the State Council to adjust the two housing policy, the specific details are not clear how customers are dealing with the mortgage, it is best to have a unified standard, so that the banks comply with the implementation.　　However, the reporter also learned that many banks are currently studying specific implementation details. Second Suite family as the unit to define how the first suite, but also become a large number of buyers focus. A banker said that as a result of policy tightening, the current definition of the first suite is increasingly strict, some buyers have bought property, but pay off all loans, still can not enjoy the first suite discount. "There are even more stringent, even if there has been a loan record, the name does not have real estate property buyers, is likely to be excluded from the first set of home purchase concessions." "Since the gradual tightening of mortgage loans this year, most bank lending has been defined as two suites in family units."　　Most of the banks said that the "family" as the unit will be defined, at the same time, the central bank credit system records, as long as the spouses have a personal housing loan records, whether to pay off or not, the application of the mortgage is considered as the second and above.　Investment customer loan difficult to withdraw application　"Also not all are waiting for the approval of the mortgage customers are anxious, such as many investors also want to loan difficult as the reason to break a promise." "A joint-stock Bank Chaoyang branch of Miss Yang told reporters that the two days many of their own needs of the mortgage customers call her frequently, ask whether the new standard or the original standard to be approved, she can only reply to the customer bank is issuing rules, will be given to customers as soon as possible." There are also loans for investment needs of the clients are simply said, do not want to do the loan, because these customers originally applied for the majority of the third set of mortgages.