Two sets of mortgages will be tightened further

⊙ Reporter But there is for 0 Edit Heng Dao Qing to keep the steady and healthy development of the real estate market, the State Council executive meeting held on 14th made it clear that we should continue to support residents ' own living and improve their consumption of housing, and restrain investment in speculative buying. We should increase the implementation of differentiated credit policies and effectively guard against the risks of various kinds of housing mortgage loans.　　Industry insiders expect that two of banks ' mortgage policies will be enforced or further tightened. A large state-run Personage told the Shanghai Securities newspaper, from the current situation, the possibility of introducing a new New deal is unlikely.　　But the original two-pack loans and other policies in the implementation level will no doubt be further stringent, the regulatory layer is likely to strengthen monitoring and inspection efforts. Analysts also said that the current two housing policy should not make a major adjustment, but the policy will be strictly enforced.　　In other words, the relevant part may be to further improve investment in the purchase of credit costs to squeeze part of the investment demand.　　According to previous policies, the CBRC implemented lower down payment and low interest rates for the first housing and improved housing purchased by ordinary residents, with full market interest rates and a down payment of more than 40% per cent for purchases of more than two homes with investment and speculative investments.　　But according to bankers, because the policy has a certain vacuum, and banks in order to scramble for market share, so the banks in the actual implementation process often relaxed two sets of mortgage standards, and even some of the substandard two suites can also enjoy low pay and preferential rates. In this regard, the CBRC issued a circular in June this year, requiring banks to strictly abide by the second set of mortgage policies, and effectively prevent the mortgage loan risk.　　Subsequently, the two sets of mortgage policy has tightened, but the relative policy is still lax implementation. A joint-stock bank credit ministry said the housing stimulus proposed last October was essentially a loosening of credit conditions for all purchases.　　And now the demand for more differentiated credit policy, in theory, to maintain the first home purchase and two of improved housing preferential policy unchanged, for the purchase of multiple housing investment, speculative progress mortgage ratio and loan interest rate, but the implementation of the specific situation will need to wait for the following rules.　　Chen Kwok-keung, director of the Institute of Real Estate, Peking University, thinks that the two-house mortgage policy is the most important and effective means in the real estate control policy, and it is most obvious to restrain the investment in speculative house purchase. Some bankers said that although the bank still has a home loan to set interest rate space, but due to strict regulatory measures, each bank next year's overall demand for two housing loans will be further stringent, and the bank mortgage rate differences may also be further increased.