Two sets of mortgage-fighting in the real estate market speed has slowed

-The reaffirmation of the two-Wen Lizhen mortgage policy will make the recent slowdown in the property market, but to curb the high prices, the move is very little. From the business tax levy two years to change five years, to express the "Curb prices too fast rise" of the "country Four", and then "take a down payment of not less than 50%", and then to the State Council issued "State 11" "clear" two sets of mortgage payment must not be less than 40%.　　The end of the year, the property market regulation "combination boxing" in one months frequently. Tightening the two-pack mortgage policy seems to have been a dose to regulating high housing prices. In the last round of the property market "high fever", with "interest rate floating 10%, down payment must not be less than 40%" as the core content of the two mortgage policy is effective "fever medicine."　　This time, "two sets of mortgage" to return to the lake can also reproduce the "divinity" Mody?　　Improved preferential "cut" or be inside set a 40% down payment is not a new policy.　　Last June, the CBRC issued a notice stressing that two sets of mortgages must be down 40%, 1.1 times times the rate of lending standards, and reiterated that "two sets of mortgage" standards must not be relaxed, but there is indeed a commercial bank on the implementation of the second suite of interest rate standards on the relaxation, as well as some banks will be two suites by the first suite to implement preferential "Compared to previous documents, the wording of this notice has changed, without mentioning that the ' improved ' two-room can enjoy the first mortgage discount.　　Yin Chengli, deputy director of the financial markets Room of the Academy of Social Sciences, points out that this means that the policy "incision" that came out late last year may be sealed. This, Shanghai Kai Yi Investment Deputy general manager Zhao Wei also expressed recognition, he thought that the two suites whether or not the improvement of housing, to apply for Provident Fund, without looking at the per capita area, just look at the main lender's monthly payment and the balance of the situation, the maximum can be loaned to 300,000 yuan. But this new regulation, will certainly restrain a group of non-improvement housing purchasers of Provident Fund loan demand.　　This notice, not in line with the improvement of housing two-suite buyers can only borrow up to 200,000 yuan. "It's just hearsay, but this year's housing prices are still high," he said. Such a policy is also possible to implement, so as to curb the demand of high-end buyers.　　"The recent uproar over the two down payment will increase to 50% of the news, Zhao Wei said.　　Curb high housing prices are "very little" the industry experts said the government reiterated the two down payment to more than 40%, the main purpose is to curb investment in housing, support rigid home buyers. The statement of a single look at the document, in fact, did not introduce any "new Deal", but only the reaffirmation of the existing policy.　　The reason why so much attention, without him, is to seize the constraints on investment, the key to the fight against speculation. "The reaffirmation of the two-pack housing policy will make the recent slowdown in the property market, but to curb the high prices, the move is very little." Industry experts say.　　However, two sets of mortgage down payment, only to low-cost housing investment in the home to the inhibition of purchase, to buy high-priced and large-type residential property speculation, the move is only nowhere. "It will certainly lose some purchasing power because of changes in credit policies, but this part of the purchaseForce originally for the market health is unfavorable, they are driving up prices of the main. Zhang Qingyi, deputy manager of China Yan Market Research and Development center, believes that two sets of mortgages are beneficial to the speculation of some short-term speculation, but also to the security of the later credit recovery considerations. For the whole market, will play a certain stabilizing role.