Three ministries in unison, the rumor of real estate stocks fell banks whispered water

In view of "the property market regulation related policy may cancel", "three sets of mortgage to let go" and so on the real estate hot spot question, the housing construction ministry, the CBRC, the SASAC has carried on the rumor.　　The Ministry of Housing and Construction officials stressed that all localities will continue to unswervingly implement the "country 10" and related policies. The news in the stock market plate caused a strong shock, the real estate sector plunged 3.65%.　　In the policy implementation, CCTV survey found that the third set of housing loans in Hangzhou has never stopped, and in Chongqing, some banks to the second suite is still "credit no room." Stock market reaction real estate plate yesterday fell 3.65% in the three ministries of emergency denial of property market control policy loosening of the news, yesterday, Shanghai and Shenzhen stock market on the collective decline in real estate, and led steel, non-ferrous and other plate following the decline, prev on the day also under the impact of the 40 points, which the real estate　　Among the 108 real estate listed companies that have traded, 102 have fallen, as much as 827 million yuan from the real estate stock. 60 real estate stocks fell more than 4% from yesterday's real estate stock market performance, in the news, after the opening of a sharp decline, investment real estate, Cofco Real estate, poly Real Estate, Vanke A and most of the real estate leading shares plummeted.　　To close, 60 real estate shares fell more than 4%, including deep Room A, China Wuyi, the world Rongchao and so on fell more than 6%, while the first-line real estate stocks Poly Real Estate, the gold group fell more than 4%, real estate leader Vanke a fell more than 2%.　　Suggest short line do not have to continue to kill down market analysts believe that the timely statement of the three ministries means that the Government is not satisfied with the current real estate control effect. Hualong Securities analyst Neu Yang said the three ministries urgently denied that the property market regulation and loosening of the news is mainly aimed at market regulation and relaxation of real estate markets, such as hot spots, this series of news to stimulate prev last week 3.69%, creating the biggest weekly gain this year.　　From the news, the State regulation of the real estate market will continue, but the message itself is only against the current high price itself, and property stocks after three consecutive months of decline, the market news is too sensitive; Neu Yang suggested that some real estate stocks after a sharp fall in the valuation level has been low, short-term need not continue to kill. But real estate stocks in the long-term trend is still closely related to policy, long-term allocation of real estate stocks still need caution. Reporter Jing Ulrich experts analysis of the downward "inflection point" of housing prices in the first quarter of next year or hit the bottom of the Shanghai Institute of Real Estate Comprehensive research Minister Yang Hongxu that June, 70 large and medium-sized cities prices fell 0.1%, compared with the May drop 0.3%. This is the price chain after 15 consecutive months of rising, the first period of decline in the chain.　　This indicates that the national housing price "inflection point" is formally established, the second half of the housing prices will maintain a downward trend, is expected to hit the bottom of the first quarter next year, negative growth. 21st Century Real Estate Group marketing director Lin Lei, according to the National Bureau of Statistics show that the new Deal hasAfter reaching the expected effect, the rapid rise in house prices has been significantly curbed. In addition, according to market law, housing prices fell after second-hand house prices began to decline, "now the situation is that second-hand housing prices have been significantly lower, and the new house this son just started." Lin Lei predicts that under the new deal, the downward pressure on new house prices will increase, and the price of new homes in the Year 9 and October may be in full decline. Until early next year, the price trend will be a certain degree of containment. According to the economic reference newspaper reporter observes some bank to recognize the loan not to recognize the house "verbally and actually do is not necessarily the same thing."　　Yesterday, the whole purchase after buying a house again, Mr. Wang said, because there was no home loan records, the results incredibly lucky to escape the bank "discernment", was identified as the first suite, enjoy the interest rate of 75 percent discount.　　In the context of the country's three ministries of joint denials of mortgage control policies, the reporter yesterday found that some of the banks, although foreign claims have been implemented to determine the new deal, but the actual operation of the two suites is still recognized as a loan. No mortgage records to buy a house is the first set two years ago, Mr. Wang in Yubei bought a set of more than 40 square meters of small huxing housing. At the beginning of this year, Mr. Wang, who was about to be upgraded as a father, began planning a bedrooms big house.　　Early last month, Mr. Wang in the vicinity of Jiangbei along Shima a set of more than 100 square meters of the house, but just met the introduction of the two set of new standards of mortgage, such as his first loan to buy a house will be counted as two suites, because now is the implementation of the "Recognition room and credit." But soon, real estate sales staff dismissed his concerns, urged him to sign a purchase contract to a joint-stock bank to submit loan application.　　Yesterday, Mr. Wang accidentally received a notice from the bank that his mortgage application has been approved, as the first suite treatment. Spend hundreds of yuan "charge" can be done yesterday, the reporter to the identity of the home buyers consulted Mr. Wang for the Mortgage bank, said the other side has strictly implemented the "Recognition room and credit" of the two suite New deal, as long as there is a home purchase record, and then loans to buy a house is two suites　　In the repeated request of reporters, bank loan officer reminded that can find intermediary and real estate vendors to talk about. Subsequently, the reporter to a dozen "office difficult loans," the mortgage intermediary to know that the intermediary and the bank has good relations of cooperation, as long as customers willing to spend hundreds of yuan "charge" can be done.　　A large state-owned bank of the Gold department said that some banks because of development loans and developers have cooperation, for some co-operative projects, may be appropriate to open a "green light", in accordance with the old rules only look at the loan records. The bank said the policy will be adjusted at any time, "there is no notice of adjustment, the second suite decided to still carry out ' credit ' standards."　　Yesterday, the city a large real estate intermediary company confirmed that at present and their joint-stock banks still have a small number of banks two of loans in accordance with the "credit" standard implementation, the customer first suite has not been loaned, the second suite is still temporarily available according to the first suite preferential policy implementation. A joint-stock Bank Mortgage ministry also said that as long as there is no home loan records, again loansWhen buying a house, it will not be regarded as a "second suite". As long as the previous set of mortgage records, even if it is sold to buy, can only count as two sets. "However, the policy will be adjusted at any time, you are now applying for the old standard, may be approved when the new two suites to determine the standard." A joint-stock bank lender said they could adjust and use the new criteria at any time during this period. Reporter Liang Five major lines: buying a third suite still doesn't have a mortgage. CCTV survey: Shanghai Hangzhou Three sets of mortgages never stopped. According to BCC network yesterday, ICBC, Agricultural Bank, Bank of China, Construction Bank and Bank of communications, five major lines of relevant people have made it clear that the purchase of the third suite is still unable to provide mortgage loans,　　When to resume the loan is not expected.　　But at the same time, the reporter learned from some joint-stock banks and housing intermediary agencies in Beijing, individual small and medium-sized joint-stock banks and City firms have been able to provide three sets of mortgages, but the first Shengcheng number and interest rates to be significantly improved. CCTV reporters also found that Shanghai, a number of banks said the current third set of loans in Shanghai by the bank to grasp the scale. "If you're trying to get a third set, it could be a 20% down payment of 60%," said a bank account manager in Shanghai. "The same situation exists in Hangzhou, Shenzhen and Nanjing," he said.　　Comprehensive part of the city price trend Shenzhen last June sold average prices of 14163 yuan/m2 the day before yesterday the sale price of 21896 yuan/m2 increase: 54.6% Shanghai Last June, the central average cost of 29879 yuan/m2 the day before yesterday the average price 44784 Yuan/m2 Rose: 49.89% Last June, the average price of 12213 yuan/m2 Hangzhou the day before yesterday, the average price of 20798 yuan/m2 increase: 70.3% comment on the property market regulation to crackdown on "rat storehouse" according to "Country 10", the loan to buy the third and above housing, the loan down payment ratio and loan interest rate should be greatly improved　　In areas where commodity housing prices are too high, too fast, and supply is tight, commercial banks may suspend the purchase of third and above housing loans in accordance with the risk situation. But now the banks have only implemented the first paragraph, raising the ratio of the down payment and the interest rate, and for the second paragraph, we are aware of the rules of the ball. Who can deny, Shanghai, Shenzhen, Hangzhou and other places (see the relevant data map) is not the price rises too fast, high prices in the region? But the banks in these areas can turn a blind eye, and their logic is that I can play word games as long as the name of the area is not explicitly in the document. This is in the loss of collective interests, fat their own pockets. We control the overall deployment of the property market, there should never be such a group of mice, some banks deliberately misread the state's decree, in order to self-interest, openly challenge the country's regulatory policy, such a mouse warehouse, a day earlier to clear, the day before the severe punishment, in the country, market, consumers will be a good thing. According to CCTV