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New Network 13 December Zhejiang Xinhua central bank, China Banking Regulatory Commission in the The central bank, China Banking Regulatory Commission said yesterday that the relevant person in charge,
cheapest jordans, has been using loans to buy houses and have the first set of loan records, regardless of whether the loan is paid off once again to the commercial banks for the purchase of second (or more) housing loans, in accordance with section two sets of mortgage policy implementation.
the new Zhejiang Online Xinhua December 13 the central bank, China Banking Regulatory Commission in the The central bank, China Banking Regulatory Commission said yesterday that the relevant person in charge, has been using loans to buy houses and have the first set of loan records, regardless of whether the loan is paid off once again to the commercial banks for the purchase of second (or more) housing loans, in accordance with section two sets of mortgage policy implementation.
worried about the impact the industry to improve the type of home buyers
undoubtedly better than the standard Previously, almost all commercial banks, mortgage rules are found, Real estate and banking industry believe that the interpretation by regulators such standards, then a considerable number of real estate demand will be suppressed, the first restricted, may be those that improve the type of home buyers, these people to urban white-collar groups Lord.
to the local average level of per capita housing statistics department released annual data on the subject.
In addition, the central bank,
China Banking Regulatory Commission, emphasized yesterday that the first set has been using loans to buy homes and have loans from the record, regardless of whether the loan is paid off once again to the commercial banks for purchase of second (inclusive) more housing loans, second mortgage in accordance with policy implementation. The official said that such a requirement can inhibit the unreasonable demand (including real estate loans), but also to improve the housing conditions of the residents to meet reasonable demand.sets (or more) housing, loans, down payment of not less than 40%, mortgage interest rates based on the benchmark interest rate by 10%.
in Shanghai of a joint-stock banks mortgage department official said, regulators reason for this request, apparently to combat investment in housing demand, and that the pricing of commercial banks and loan mortgage interest rates continue to go up than down will become an inevitable trend.
loans to buyers after selling it considered as a and loans to purchase, and whether the second mortgage will be the implementation of policies, this question remains to be clear. Part of the bank said commercial banks for this situation may be treated differently, if the tightening of credit, then, they would be treated as In addition, according to the original loan policy, is not included in the second suite of loan approval (ie refinancing closing), if the process is now in the stage of the loan, the bank will do with it? In response, banks in Shanghai are two types of responses: based on the time of loan approval or loan lender shall prevail. Most banks believe that even if the mortgage contract has been signed, but if not loans, meaning loans links still not completed, then it may re-approval, pricing.
This time for the regulators interpret, some have raised the question that those who are already burdened by loan buyers, refinancing and home buyers to invest, take double or even more for the month, is Bank of the risks, the policy should be the object of regulation and control groups. Just settlement of loans to customers, in general, sufficient to repay the strength, little risk of re-lending banks should not give up this part of the high-quality customers.
[Related Links]
● clearly has been the use of bank loans to buy housing from the first set of families, as its per capita housing area is less than the local average, re-apply for housing loans from commercial banks, the first set, mutatis mutandis, from the housing loan policy implementation, subject to provide proof.
● clear on the use of housing provident fund loans to home buyers has been the family, once again apply for housing loans to commercial banks, they should be in accordance with the
Second Suite in Shanghai is no detailed definition
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