Tightening of mortgage to fully implement market impact

Macro-control "combination boxing" frequency, three sets of mortgage, the first set, the second set of mortgage barriers also greatly improved, the reporter investigation found that the Zhuhai banks have been strictly enforced, which is in the bustling Zhuhai property market has brought certain impact.　　The austerity loan policy benefits the "poor" reporter recently as a home buyer visited Zhuhai several banks found that the banks have been fully tightened mortgages, the previous interest rate preferential policy has been formally canceled. Most of the banks in Zhuhai have made it clear that a third set of mortgages has been suspended and the amount of third mortgages has been slashed. ICBC said it would have to pay at least 60% per cent for a third set of mortgages and 10% per cent on interest rates. CCB's third down payment is more than 50%, with interest rates floating 10%.　　In addition to the four state-owned banks, GF Bank, Bank, Societe Generale, Bank of East Asia and other banks are currently the lowest down-payment of the third set of loans are 60%, of which the largest rate of the float is 20%, and the settlement floating 15%. "The first down payment of 20%, interest rate 70 percent discount such a good thing is impossible." A bank credit department staff told reporters. Among them, the three major banks have introduced a detailed housing policy and explicitly began to implement. ICBC took the lead in saying that the bank began implementing new rules on the new contract and approved personal housing loans on that day: for the purchase of the first set of housing and the building area of 90 square meters above the family, the proportion of the first payment of loans shall not be less than 30%; The lending rate must not be less than 1.1 times times the benchmark rate. The construction Bank's regulation is similar to ICBC's, and it clearly stipulates that non-local residents who cannot provide more than 1 years of local tax certificate or social Insurance payment certificate should suspend the purchase of housing loans.　　The Bank of China has clearly announced that it has suspended the issuance of third and above housing loans in principle, and has adjusted the floating ratio of the first set, two sets, three sets and above to the benchmark rate of 0.85 times times, 1.1 times times and 1.2 times times respectively. "We have no way to help customers to the bank to the second-hand housing loan, the threshold of bank lending significantly improve a lot."　　　　An intermediary of Fang Shin Property told reporters. The seller anxious, the buyer calm "now who can not see exactly what will be, or wait until the change bar."　　"A local developer in Zhuhai told reporters that there will be no opening plans for the immediate future, and now do not know whether the policy has been completely out, only after the stability of the policy, the company will come out corresponding adjustment strategy." Market trend is not clear, worried about the opening up no one to demand, is currently the mentality of many developers. The new deal hit the vast majority of housing demand, home buyers are generally caught in the wait-and-see state. In such a time opening, open how many prices, the intention of customers in the end how many, in the heart really no bottom.　　Reporters in SouFun learned that the recent opening of the wind of the real estate very few, and many real estate to receive this year's pre-sale certificate is not quite consistent. The reporter went to Xiangzhou District some second-hand housing intermediary, the situation is deserted. "It's hard for us to do the work now, before we talk about good deals, and now buyers either go back orIt fell through because the loan was not approved. A Wah Wah estate agency told reporters. "Sellers put more up, an estimated increase of 20%, now to consult a lot of people are asking if there is no price ah such a problem."　　Chen Hongying of the real estate told reporters that the sellers began to become anxious up, worried about the price into the downward channel of people significantly more. "Feel like a quilt, the down payment ratio increases, the lever of the house is reduced, my funds are limited, investment capital liquidity will be greatly reduced, so now just want to be able to quickly solve a set of parts, let the funds out of the point after the plan."　　Mr. Cheng claimed to be a "half professional" of the house, before each accumulation of money into the real estate. "I think a good time to buy a house will come soon, the impact of the adjustment will be, but the government will not allow prices to fall too much, once the fall of 15%, I will be shot." "Ready to buy a house to marry Miss Ling thought, now the price rise has lacked the impetus, has the rigid demand person may take this opportunity to look slowly," now replaced we have the bargaining chip of price. "she said.