Two sets of mortgage policy tightening interest rate not seen rise

Recently, according to media reports, Shanghai, Nanjing, Guangzhou two sets of mortgage rates generally rose 10%, Shanghai since November 1, the second apartment loan rate will be strictly in accordance with the benchmark rate increase of 10% to carry out. The reporter survey found that the interest rate floating policy in Shenzhen has not yet been formally implemented. However, reporters unannounced visits to understand that, after a week, "Ming tight Dark pine" of the banks two housing policy really tightened!　　　　The same bank salesman, given the statement and the previous week is very different, and the bank ahead of the loan task, strengthen risk control, and other factors are strict compliance with the CBRC two sets of mortgages important reasons. Market: Shenzhen Two sets of mortgage rates have not risen 10% it is reported that Shanghai real estate intermediary recently received some state-owned commercial banks in Shanghai branch oral notice, since November 1, the second apartment loan rates will be strictly in accordance with the benchmark rate of 10% implementation.　　However, the reporter to Shenzhen major banks and real estate intermediary companies to verify that they have not received the relevant regulations. Zhongyuan Real Estate general manager Li Yaozhi said that Shanghai company employees did receive this notice, but Shenzhen has not yet implemented.　　He said that if the bank tightens the housing policy, will have a greater impact on the real estate market, after all, some customers are more sensitive to prices. Shenzhen Development Bank: Two suite loan eligibility to be strictly checked Shenzhen Development Bank Credit Center Ganxiao told reporters last week, if married to buy a second suite for improved housing, can enjoy the preferential mortgage policy.　　If unmarried, the booklet has parents and other names, can also be set up to enjoy the policy. But yesterday in an interview, said Miss Gan: "Even if the person is married, if the per capita area of more than 29.6 ㎡, the hukou is not enough people, down payment to 40%, the preferential rate can enjoy 70 percent to see the situation."　　　　She said the two-room loan was very easy, and now has to be scrutinized. Ping An bank: a second-hand housing there is a difference between Ping an branch of the bank manager Chen told reporters that Ping an bank has been strictly comply with the provisions, if the first suite of loans are not paid off, and the per capita area of more than the improvement of residential requirements, it can only down 40%, loans 70 percent discount rate is But she says the second suite is also different from second-hand housing. "If it is a primary room, the development Chamber of Commerce has put pressure on us to make a concessionary loan, and the bank's loan to get the building back early will give the landlord some concessions." But second-hand housing, there is generally no such situation, our bank is more stringent.　　"ABC: Using the valuation system to control risk it is understood that some intermediary companies in order to pull customers, will find the evaluation of the company will be the valuation of the House as high as possible, and then signed a double contract with the seller, will be submitted to audit the total price of the transaction, can increase the loan limit But AgBank has a system of valuation that prevents "yin and yang contracts". A manager of a loan department told reporters that he could evaluate the value on the Internet as long as he spoke the exact location and floor of his own house.　　"We have finally determined that the loan amount is the lowest of the transaction price and the assessment price."However, the manager revealed that two sets of mortgages still have a certain operating space. For example, you can find the neighborhood to prove that the real population of the house is several, beyond the per capita area, can be improved housing approved loans.　　　　Or write directly three people live, because sooner or later there will be children. China Merchants Bank: Premium customers can consider preferential investment Bank personal loan department Miss last week said that the improved, investment two suites are eligible for concessions. However, when the reporter consulted again, she said, "not satisfied with the conditions of the words are not very good to do, but good customers can consider."　　"It is understood that quality customers generally need to meet the personal credit good, no overdue repayment of the record, with a stable and high income sources."　　Reason analysis: Bank to complete the loan business ahead of time it is understood that the banks to tighten the second suite of loans, is very important because the first three quarters of the major banks over the completion of the loan task, the risk control of the loan increased. The central bank data show: The first three quarters of yuan loans increased by 8.67 trillion yuan, the year-on-year increase of 5.19 trillion yuan. September month, RMB loans increased 516.7 billion yuan.　　Many banks have already exceeded their mandates. One of the four state-owned banks said that ICBC, ABC, BOC, CCB four large state-owned commercial banks in October total new RMB loans of about 136 billion yuan, more than September, many state-owned large and medium-sized banks throughout the year the task is over completed, so the bank executives more emphasis on risk control, Increase the audit of loan funds to prevent non-performing loans.