Tiger Head rat Brain: New Year mortgage contract lower

A succession of real estate regulation policies, this year's mortgage market cover a layer of frost.　　January 12, the Shenzhen Large mortgage company Shengze mortgage information shows that the first 10 days of the new Year, the number of mortgage inquiry has dropped 50%. A sharp drop in housing turnover is fundamental to the decline in demand for mortgages. According to the weekly monitoring data of the China Real Estate Index Research Institute, from January 4 to 10th, in 9 of its key cities, Wuhan and Tianjin were up 21.91% and 18.52% respectively, while in 7 key cities where the chain Fell, Chengdu declined the most, down 93.5%,　　Nanjing and Hangzhou were followed by a fall of 77.94% and 61.22% per cent, with Chongqing, Shenzhen and Beijing falling more than 10% per cent on a month-on-month basis, while Shanghai fell less than 5% per cent. In a grim situation, bankers are no longer as sanguine as they were last year. The head of a big bank's retail business told reporters at the end of last year that the bank's initial mortgage volume would grow 20% to 30%, and now the State Council's new Deal has forced him to cut expectations. January 12, he revealed that banks are adjusting the growth rate of housing loans, the specific growth targets have not come out.　　　　Another shares in Shenzhen branch, a lender said, affected by the series of regulatory policies, this year, the decline in home loans Shansheng is normal. A decline in the number of mortgage contracts "now business is not done, 10 days before this month, I have only 3 mortgage signing list, last year I usually get 6 orders." January 12, a Shenzhen Shengze mortgage salesman told reporters.　　He made the single mainly ordinary residential, each single price of about 500,000 yuan. Shenzhen Real Estate industry Personage introduced a case, January 10, is located in Shenzhen Deep Bay's Hung Weihai Yi Wan to launch 157 sets of new units, among them more than 10 sets is the property last has sold the listing and the sale again. The developers said the listings were purchased by the original customers, but were rejected by the bank as a mortgage.　　The claim was not confirmed by the Hong Weihai Yee Wan project.　　New Year mortgage policy tightening is already a trend, now again restrained by policy, the property market volume will be more impact. January 10, the State Council issued the "Promotion of stable and healthy development of the real estate market notice", clearly indicated that financial institutions "for the use of loans to buy housing, but also apply for the purchase of a second set of housing (including borrowers, spouses and minor children), the proportion of loans to the first payment shall not be　　Loan rates are priced in exactly the risk. Shengze Mortgage general manager He Jianzhong said, "notice" given is a generalization of the provisions, waiting for the CBRC rules.　　In general, before the rules are put in place, banks will continue their previous policy of borrowing and lending.　　The mortgage salesman said that, from a first-line feedback, the bank, although claiming that the mortgage policy tightening, but not serious at the moment. Observing the real estate New Deal, the full text of the notice does not refer to the 2009, the industry's controversial "improvement of housing." He Jianzhong said that this means that in the future, the determination of the two sets of mortgages will be "a one-size-Fits-all", the second home purchase of housingAll require a down payment of 40%, "This will affect the volume of two mortgages." However, say and "improve the housing" mortgage demand, a joint-stock bank loan person introduced, this part of the client is not much, accounting for a small amount.　　　　Take Shenzhen For example, if 40% is fried tenant, the other 60% is from the guest, in the home only 20% of the improvement of mortgage customers.　　Housing growth targets will be dynamically adjusted under the pressure of regulation, the earlier also optimistic bank lending sector, has begun to downgrade the expected growth rate of housing loans. Deep development of a lender said, by the end of last year to rob a discount, "The Last Bus" psychological impact, the property market concentrated transactions, accumulated to this month's lending, this month's mortgage should not be bad. But the new mortgage-signing bill, now down about 30%, is not optimistic about the entire first quarter. "Last year's deal overdrawn this year's mortgage, the first quarter mortgage volume may fall." "The market is changing too fast and we will adjust the growth target dynamically." "said the retail banking Department of the big banks. "Specific targets have not been determined, and this year the absolute numbers of growth in loans may be lower than last year." "The growth plan for Ping An bank has not changed. A person in the retail department said the annual working meeting on the retail line had been opened, and that the target of 10% per cent expected growth rate for 2010 loans would remain in force.　　"We've opened some new branches, we need to do business, and we'll keep growing," he said. In other cases, many bank lenders have called for more explicit guidance from the regulators on market norms. The new deal, for example, proposed that "loan rates are priced in strict accordance with risk", which had previously been automatically cancelled for two of mortgages to perform 1.1 times times the rate. "If regulators do not give a normative guideline on interest rates, it is estimated that many banks will give a 70 percent interest rate discount, either directly or in disguise, for impulse." Said the retail department of the CMB.　　In addition, Ping ' an bankers believe that the regulatory authorities should be clear in the future rules, has completed the first home loan customers again, should not enjoy the preferential interest rate, for "non-self-housing" loan rate, but also for the bank to determine a general standard. Shengze Mortgage general manager He Jianzhong suggested that the bank to continue to maintain the growth of housing loans, product innovation can be made in the structure of credit income. If the housing mortgage loan falls, it can increase the proportion of the income such as mortgage-operated loan, commercial office loan and Consumer loan.