First Suite First Payment Differential Execution &Nbsp; Beijing Shanghai 30% Zhejiang 40%

The two set of mortgage minimum payment standard "one size fits all" has been formed, and the first part of the first payment District differential implementation of the road is groping, the Construction Bank, Bank of China, Agricultural Bank of China Zhejiang branch has recently raised the first suite minimum down payment to 40%, and the corresponding floating loan.

Recently, some media reported that

Although the minimum standard of national unity has not changed, some banks in the Zhejiang region have been too high on the threshold of actual conditions.

China Construction Bank, Bank of China and Zhejiang branch of Agricultural Bank of China have all adjusted the first suite loan policy. The interest rates of the three branches on the basis of the benchmark interest rate have increased by 5%-10%. Among them, the first mortgage payment of CCB and Bank of China has been raised to 40%.

People's Bank of China News Service confirmed that the Zhejiang branch of the bank had begun implementing the new deal, but it did not involve Beijing and other regions.

Zhejiang branch of ICBC said that in order to take account of social impact and maintain customers, the branch has not raised the down payment ratio and loan interest rate, but once the head office has been informed, the increase is only a matter of time.

The lowest standard of the first suite in Beijing is still 30%, but interest rate concessions have disappeared.

From the Beijing branch of Bank of China, Bank of communications, CITIC, China Merchants Bank and other banks, it is learned that Beijing's major banks are still implementing the first suite 30% of the first payment, but the first suite interest rate has been fully adjusted to the lowest benchmark interest rate.

Some analysts pointed out that Zhejiang's economic boom, Hangzhou, Ningbo and other places, housing prices are also high, the difference in raising the first mortgage loan Shoufu ratio, making the implementation of the real estate control policy more targeted, do not rule out the future promotion of this measure.

Zhang Dawei, director of the three level Market Research of Zhongyuan Real estate, Beijing, has different opinions. He said that it is unlikely that the first payment will be extended to the whole country for the time being. It may be tested in a province first, and not all banks in Zhejiang province have raised the down payment ratio of the first suite.

Zhang Dawei pointed out that some banks in Zhejiang raised the proportion of first home down payment and interest rates directly related to the bank's credit line, but had little to do with macroeconomic regulation.

The signal of real estate credit risk prevention is not only reflected in the cancellation of the first suite loan interest rate and the increase of the first mortgage loan down payment ratio in Zhejiang area, but also the regulation of the real estate trust business has begun to strengthen.

CBRC Chairman Liu Mingkang recently pointed out that in the prevention and control of real estate credit risks, we must support the construction of affordable housing scientifically, in line with the principles of marketization and prudent operation, monitor closely the new signs of the current real estate market, strengthen the investigation and verification, strengthen the supervision of real estate trust business, and promote communication and sharing with local housing departments.