New Deal was unveiled in May is the first survey cycle, real estate power of New Deal regulation was reflected. I learned from relevant departments, as commercial loans and loans to fund both the policy tightening, the buyers had a great psychological effect, real estate speculators to reduce, spectators increased, decreased real estate transactions, the market began to level stability .
Decline in mortgage banking business volume
4 Since the mid-late, banks have tightened mortgage policy, and stop accepting off-site business loans, and credit the third suite. Strict implementation of one month mortgage since the New Deal, the bank's mortgage portfolio are in decline. I learned from a number of banks over the past more than one month's mortgage business banks are much lower than that introduced the New Deal. From the data provided by a bank, the New Deal in March before the introduction of mortgages were issued 432 pen, tighten policy only after the payment of the entire May 194 document mortgage, mortgage business decline by 55%.
"Last year in May began selling more and more fire house, the mortgage business was gradually enlarged. According to market research, the same time last year, one month's mortgage business volume of close to 4 digits." Credit department of a bank were staff recalls. "This year, almost the entire May to stop the three suites loan amount on the business impact of this big. In addition, we continue to implement the requirements provincial scale control line is basically a loan repayment amount, the volume of business continued decline is not surprising. "The staff analysis. Have banking sources, the current size of bank loans does not relax the control of signs, the overall size is expected to put the mortgage each month will continue to fall, the mortgage portfolio will continue to decline.
Extraction of shrinking fund loan
May 1 after the drawdown of the loan fund policy changes, the implementation of differential home provident fund loans down payment and differential extraction of the home provident fund policy. Drawdown of the loan fund after the introduction of the new policy, loans extraction also fell sharply.
According to the Urban home Fund Management Center, in May received a total of 37 existing home loans to total sum of 6.596 million yuan, and in April received 59 loans compared to total sum of 11.67 million yuan, down 43.5%; May accepted 13 Forward home loans, at a total amount of 4.634 million yuan, and in April received the total amount of loans 148 document delivery houses compared to 55.845 million yuan, down 91.7%. Affected by the differentiation policy, provident fund extraction is also reduced, in May a total withdrawal, 533, totaling 13.49 million yuan, and in April compared to the 994 document 30.25 million yuan, down 55.4%.
"Compared with some time ago, in May a lot of space." Urban home Provident Fund Management Center staff analyzed the reasons, since the provident fund and bank mortgage lending policy of tightening the tightening of the time difference there, "smell" sensitive buyers Most run in late April in time for drawdown of the loan fund business; In addition, differentiated policies to increase the drawdown of the loan fund "threshold" was included in Provident Fund "Second Suite" category, for the first payment ratio of home provident fund loans to reach 50% of the purchase were severely affected.
Pressure paid off loans to real estate speculators
Tightening of the mortgage, for most investors is no different from backing off passengers. Previously, there was a lot of real estate "investment-off" figure, second-hand home market, investment, speculation is also clear that investors use loans to real estate speculators due to insufficient funds is not uncommon.
Mr Leung is the public will own a mortgage, and then points down payment loan to buy two sets of commercial home, has a shot, there is a policy introduced by the impact of being stuck in high. "Now the pressure a bit large repayment, until better earn some money, now wanted to hurry up the house 'cash', for the time being not real estate speculators had." Leung said, for him now, buy a house has been re-lending not three suites, but four, five suites, there is no power again with loans investment real estate speculators.
"The market on the net with his hand, very few investors in funds real estate speculators, with the state strictly controls the two sets of the mortgage, three mortgage, the market basically Jigan speculation." Industry analysis. Although many mortgage banks open on three sets of constraints, the implementation of the three suites lending standards high and strict. "We have to bank loan to buy the third suite must come up with 6 percent down payment, but also interest rates go up 20%." City manager of a bank's customers said, it follows that there is no relaxation of the three suites bank interest rates down payment plan.
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