Tightening up a mortgage, a serial punch.

The "first Domino" was pulled down. Core tip: With a notice issued by the CBRC, a number of banks began to shrink two sets of mortgages. People familiar with the matter said that the Ministry of Construction of the relevant experts are urgently in the property market bubble related research, some advisory bodies will be in the near future according to the Ministry of Construction related experts to convene a seminar, the meeting will form a conclusion.　　Finally, the Ministry of Construction will synthesize the views of various parties, issued a series of related policies.　　Some bankers expect that there will be a "calm period" of about 1 weeks, and the final nationwide adjustment will be settled with the investigation of the CBRC, with a rough estimate within 2-3 weeks. Two sets of mortgage "routines" stopped the learned, the CBRC recently issued a "notice on further strengthening the risk management of mortgage loans" to all bank supervisors and banks, and expressly requested banks to strictly check and distribute the mortgage loans of the second suite, and not to explain the "two sets of mortgage" standards,　　The proportion of the first payment shall not be reduced by any means.　　According to the above requirements, commercial banks in the future to the same lender two suite loans, in addition to the Kwok 131th, the "improved housing" can be referred to the first suite currently 20% down payment, 70 percent interest rate implementation, all the rest of the loans will be executed 40% down payment, 1.1 times times the interest rate. Everbright Bank Nanjing Branch, personal credit manager Ding said that this is the CBRC since the Office of the State Council issued Kwok 131th, the first time expressly required commercial banks to carry out two sets of mortgages. Previously, regulation has not clearly indicated how to define the second suite, because of market competition and the pressure of profit growth, banks are to "loose" to do.　　Because compared with the real economy, which is still struggling in the recession, individual mortgages are clearly a good "quality asset" with less risk. He said that at present, the scale of two suite loans in many areas has far exceeded the bank's previous policy tolerance limit, that is, according to the most lenient implementation standards: down payment 20%, and enjoy 70 percent discount rate. In some of the two-room loan operation is more crazy areas, the same person hanging a few suites are in accordance with the first set of standards to implement the situation is not uncommon. "is still waiting for the official documents issued by the CBRC, the focus of the recent work is to settle loans, otherwise the situation will be difficult to end."　　　　"Ding said. Long triangle callback strength more recently, Nanjing, Hangzhou and Beijing, Shanghai and other land began to enter the bubble brewing period, from the national perspective, house prices rose rapidly. The State Development and Reform Commission, the National Bureau of Statistics recently released data show that June, the country's 70 large and medium-sized housing sales prices rose 0.8%, this year has been the chain for 4 consecutive months rose.　　At present, the Yangtze River delta new house more than 40% are investment property buyers, such a proportion of investors is already a record high. "The market price has risen too high. This bubble risk will certainly lead to action at the policy level.　　"Since May, the bank's mortgage business has started to decline, with the estimated total mortgage loans in July falling by about 50% from the May peak," said a banker. NanjingOne local developer said their biggest concern was the introduction of a serial policy, "This may become the second half of the property market to reverse the first domino, once there are two sets of mortgage tightening, it is difficult to imagine what kind of policy will be introduced, which will eventually lead to a recent rebound in the property market, and high-end real estate affected more. "It is reported that because of the current provincial and municipal real estate" bubble "composition is different, bankers expect future policy callback space will also show regional differences. Among them, the Pearl River Delta Branch in this round of real estate recovery in the mortgage business of water is not large, and the Yangtze River Delta area real estate market, the overall bubble of the composition of more, it is expected that the future of the second suite of the regional policy callback will be more forceful. Reporter Chen