Two sets of mortgages were hit by 0, low down payment, hidden scourge.

Moderator: Li Hayu Moderator: Li Hayu guest: Back to build strong easy to live real estate Research department senior researcher of the property market trade is getting warmer, the bank on the real estate loans are more and more close. According to the CBRC's latest statement last week, in addition to asking commercial banks to control the weight of real estate development loans, they also highlighted the measures that have already been introduced in some places to regulate two of mortgages.　　The change of mortgage environment caused by the industry attention. Operation already tightening moderator: In fact, before the CBRC's position, some places have been decorated, such as the Shanghai Banking Regulatory Bureau issued the "on the further regulation of personal housing mortgage lending business notice," The requirements of foreign commercial banks in Shanghai to strictly implement the personal housing mortgage loans in the first payment ratio and interest rate provisions, It is strictly prohibited to relax loan conditions in disguise.　　Has the bank recently tightened its scrutiny of two mortgages? Back to build strong: Shanghai Banking Regulatory Bureau in the end of March around the mortgage "fake mortgage", "0 first Pay", "low down payment" and other issues on the personal housing loan business investigation, the near stage of Beijing also because of the high check-out rate of some real estate and caused the attention of the regulatory authorities. Although not a large number of existence, but it can not be denied that the banks in disguise to relax the conditions of personal housing loans, lower the proportion of the first payment and interest rate violations are common.　　At present, some banks have begun to standardize the personal loan business operation process, such as strict implementation of the interview face sign system to carefully check the identity of the customer, strict implementation of the loan conditions, the delivery of the pre-registration system strictly, the second-hand housing loans, mortgage loans after the implementation of mortgages and so on.　　Be afraid to break the risk host: What do you think the CBRC's intention is to reaffirm the two set of mortgage codes? Back to build strong: from the policy point of view, the government to stop the illegal mortgage is more from the control of the risk of banking operations, the purpose is not to tighten the second suite of credit policy. Because the bank can also give interest rates and down payment for the second housing that meets the requirements, make sure the down payment is true. To know, the current housing market prospects are not clear, the trend of house prices is bewildering, "0 first Pay", "low down payment" to increase the repayment pressure of buyers, and once the house prices have a big adjustment, the relevant illegal buyers "broken supply" the possibility is very large. So the regulator immediately gave a wake-up hit, suppressing the risk of the disaster. And if some developers in order to maintain their own capital chain, to borrow the identity of the staff booking, the use of a little "down payment" funds into "fake mortgage", the bank constitutes a great risk, and many of the availability of the reservation can also create a selling illusion, even if the later buyers Fancy "sold", can also be revoked by the contract to sell　　, which is the cause of high check-out rate, but also the behavior of cheating buyers. The rise of investment demand moderator: Market judge, this serious mortgage discipline for the improvement of the demand for home ownership is limited, but will increase the entry of real estate investment threshold, so that the recent rise in investment demand has been a certain inhibition. Do you think the current loan environment will have an impact on the property transaction?　　Back to build strong: I feel after this round of property market ups and downs, whether it is home or investment property buyers are rational a lot, the current speculative property speculation has been greatly suppressed, even investors are prepared in the case of funds to enter, A higher down payment than the first set of housing is a very good idea of the funding threshold, and should not be affected by the specification of a loan.