Tightening of housing mortgage policy

The loan interest rate floats 10%~15%,20 million yuan below small huxing difficult to apply for housing mortgage loan This newspaper (reporter Liang) lives Yubei District Golden Dragon Road residents peng Decoration lack of money, recently wanted to deal with the housing mortgage loan emergency, unexpectedly but ate the bank's "cold door". Bank staff said that Mr. Peng provided the mortgage housing area of 40 square meters below the market value of less than 200,000 yuan, can not handle loans. Yesterday, the reporter visited the city of commercial banks to understand that the mortgage interest rates not only to float 10%~15%, mortgage consumption loan processing also has a "tightening."　　In addition to the housing age can not exceed 10 years, but also the housing evaluation price can not be less than 200,000 yuan. Small huxing difficult to apply for a mortgage, "although the mortgage housing loan decoration, but still not work." Mr. Peng said that early last year, he bought a 120-square-metre improved housing at the Yubei Airport mortgage, now one months after the house, the renovation fee is still more than 100,000 yuan.　　In desperation, Mr Peng thought of the 7 years ago to buy a one-time payment of housing mortgage application for consumer loans. But Mr Jeanpeng's surprise was that he had walked two or three joint-stock commercial banks, and the credit ministry saw Mr. Peng's loan application and shook his head.　　After careful enquiry, Mr. Peng only knew that the housing area was small and the market assessment price was less than 200,000 yuan.　　Interest rates will float 10%~15% reporter Mr. Xiangpeng, who applied for loans, found that they did not "catch a cold" on small-house mortgages. A small and medium-sized joint-stock bank, the head of the credit department disclosed that small huxing housing is not good disposal, the public if buy a house for their own will too small area.　　The general area is below 40 square meters, the market price is below 200,000 yuan housing, wants to run the mortgage loan basically impossible.　　In addition, intervention more than 10 years of housing is generally old, the overage of the House bank is not handled. At the same time, the bank to the mortgage-backed housing, accurate to the community and developer level. For the developer qualification is not high, the property management level is low, the bank also will not approve.　　Eligible customers can borrow up to 70% of the estimated price, and the loan interest rate will float on the base rate of 10%~15%.　　Another joint-stock bank warned that regulators issued last year to tighten the direction of mortgage lending, the banks have been strict restrictions on the use of loans, that is, mortgages, loans can only be used for decoration, car and other consumer uses, can not be used for housing.　　What is the reason for the tightening of credit lines that prompted banks to tighten mortgages? Chongqing, a large joint-stock bank, although this year's credit scale has not come out, but can be judged, the credit line will be more tight this year, coupled with a large number of projects need credit funds continue to "blood transfusion", the bank for profit considerations, will be limited to the profit of the credit of the products Small huxing house price is not high, the amount of home mortgage loans is not high, the bank lacks the power to lend. The city's financial industry believes thatAs the reserve requirement ratio rises again, the tightening of credit lines is "worse" for small and medium-sized banks. The threshold for home mortgages has increased, compared with tougher signs of tightening last year.