reporters in Shanghai yesterday from a number of banks that currently have defined the New Deal mortgage incremental part of the implementation of the principle, that is, in strict accordance with the notice relating to the implementation of the China Banking Regulatory Commission. As for the stock room, the head office is still not out implementation details.

Only the first suite are entitled to preferential

" The first set to be 0.7 times the discount rate, which sets only 1.1 times the strict implementation of the bank. "there is no doubt that the new mortgages.

A state-owned commercial banks a loan of the Department official pointed out that the issuance of new bank loans, the main basis of the China Banking Regulatory Commission by the end of October notice, that is," should be based on the borrower is the first Time buyers or buyers for the first time since the housing or from housing, dwelling size of the gross floor area whether or not the Department of ordinary housing, as well as the borrower's credit history and repayment ability, and other risk factors "to determine the interest rate and the ratio of down payment. At present, for improving the type of housing, banks are still the implementation of the China Banking Regulatory Commission last year's No. 359 and 452 of the text, even before the mortgage has been repaid, but the implementation of the new loans still 1.1 times higher interest rates.

bank staff said, is to improve the residential-type, more difficult standard, and many cases before the suites do not sell it to the bank loan to determine whether the applicant is to improve the living environment Difficulties. As a result, the banks would rather in accordance with strict regulatory requirements.

The stock of housing in the New Deal "to form a"

The loan is also head of the Department of frankly, the stock room is also the head office of the New Deal difficult" birth ", from the implementation of the new interest rates on January 1, 2009 draws near, Banks are increasingly deep anxiety.

New Deal of the housing stock is difficult for the required and existing customers, can enjoy a new rate of 0.7 times. The customers are mostly in the high housing prices and high interest rates when they apply for loans, real estate belonging to the true demand. If the banks to give concessions, then, tens of billions of mortgage balance, it is bound to bring huge losses to the bank, seriously affected the performance of the bank. If you do not give preferential treatment, it is clearly unfair. That the industry now is the most difficult "of listed state-owned commercial banks", and small banks are in wait-and-see.

Non-mortgage transactions to reproduce

Due to the delay before the New Deal mortgage is not clear, to have lost some of the loneliness of the joint-stock banks began to re-start to deal with the mortgage, the bank's stock to other rooms at preferential interest rates to get pregnant , Make their own performance. In response, the industry made it clear that this is the irregularities.

At present, in Shanghai to engage in non-mortgage transactions are two major joint-stock banks. The former use of its new mortgages to attract a lot of customers, while the latter is a direct joint security companies to win over customers with quality, the company secured by the first customer of the original mortgage banks out of Qian Hai, the bank re-loans to customers, such operations , Is nominally the same house, do not touch on whether the first set.

industry, said no deal had already suspended transfer of mortgage, many big banks have been doing," are now asking the banks to self-consciously, to disturb the market order, if it was, and that only by regulation to correct Of. "

prices may be loosening

From the banks of the situation, since the loans in November increment has been enlarged, but still can not determine whether the trend is. The price was lowered slightly.

said, in November to enlarge the statistics are not representative because the end of last month introduced the New Deal, the mortgage has entered a period of freezing, many of the extension of the amount of pressure the last two weeks before Release, not to mention how incremental is not surprising. According to the Shanghai headquarters of the central bank's latest data, in October in Shanghai Chinese-funded commercial banks to reduce the individual housing loans 2,110,000,000 yuan, up by more than 7.1 billion, of which the new housing loans declined 1,760,000,000 yuan, to reduce second-hand housing loans 350,000,000 yuan. Lack of market demand, the bank is really worried about.