Tianjin most banks stop three sets of housing loans to speculative buying attitude big turn

In this round of property market regulation policy, the State Council has made it clear that in areas where commodity housing prices are too high, too fast, and supply is tight, a moratorium on the purchase of third and above housing loans is issued.　　The reporter learned from the interview that most of the city's banks have suspended the third set of housing loans. At present, the city, in addition to ICBC, Bank of China, Construction Bank, Agricultural Bank and the Bank of communications have stopped the third set of mortgage business, ICBC requires a third set of home loans to 5.5, the loan interest rate in accordance with the benchmark rate of 15% to 20%.　　But the bank's staff said the policy could change at any time.　　It is understood that, following Beijing, Shenzhen clear suspension of the third set of loans, Shanghai, Kunming, Chongqing and other parts of the Chinese banks have suspended the third house and above, the bank did not suspend the third set of mortgage loans to the third set of mortgage payment ratio and the loan interest rates have also increased. At present, according to the central control of the property market policy, Beijing, Shenzhen and other places have promulgated the relevant rules of the implementation of the policy. The city's implementation rules are brewing.　　In a network survey on the speculation of regulation rules in the city, more than 20% of users believe that the city rules will impose strict restrictions on the third and above housing loans, and the buyers ' concern over the three mortgages exceeds the two suite definition standard and Provident Fund policy. Reporter to the identity of the home buyers consulted a number of joint-stock banks, Societe Generale, Bohai Bank, Deep Development Bank, Huaxia Bank has suspended the issuance of the third set of mortgages. China Merchants Bank can still deal with the third and fourth sets of mortgages, the third set of mortgages need a down payment of 5.5, the loan interest rate floating 15%, fourth mortgage payment 60%, the loan rate floating 20%. Tianjin Bank and Beijing Bank can also handle the third suite loans, down payment of 5.5 and 50%, the interest rate all floating 15%, but two banks have stopped the fourth set of mortgage business.　　In addition, Standard Chartered Bank of foreign banks also stopped the third and more housing loans.　　Societe Generale, a credit section of the relevant people told reporters that buy third and above housing buyers are basically not used to live, most of the investment, the loan risk is higher than the first and two suites, stop three of the mortgage although to some extent affect the business volume of the bank, but can improve the quality of loans to help banks evade risk. It is understood that in late April, the city, in addition to the Agricultural Bank of the third set of loans, most banks can handle the third set of mortgage business. In less than one months, banks have made a 180-degree turn in their appetite for investment-type housing. Binhai Times reporter Zhao Intern Dai Yiheng