京二套房贷政策暂未变 兴业银行首付仅需五成

Beijing second set of housing policy has changed temporarily societe generale down only fifty percent

Recently, rumors of two sets of mortgage down payments to seventy percent of once disturb market nerves, however netease finance visited bank branches in Beijing and call the Banks mortgage centre found that so far, several lines big, state-owned shares, businesses in Beijing and the city is still strictly enforce second-home sixty percent down, ten percent interest rates to rise in the policy.

And second homes, however, down-payment requirements increase speculation in contrast there are still Banks second-home down-payment requirements as low as fifty percent. The bank a mortgage center to netease financial, said the bank is currently in Beijing second homes to fifty percent down payment, interest rates generally to rise 10%, but also can according to individual aptitude to do accordingly.

The people at the same time also to the netease finance said that the policy is not only to Beijing area, roughly the same all over the country.

In January 2011, according to CCTV reported, the state council meeting for the first time requirements will increase to sixty percent the second suite loans down payment. A mediation to the netease finance said, at present each big bank still strict enforcement of second homes down payment of sixty percent of the proportion, the second set of housing policy, temporarily did not change, but there are some Banks made an exception.

"Regulations of the state, a sixty percent down payment, the bank can give loans is forty percent, but there are some the proportion of bank loans can be increased by seventy percent or more, but get rid of forty percent, the remaining thirty percent of the loan interest rate is different, is higher than that of ten percent rise condition." The intermediary person says.

Although, the day of the five countries did not dispatch mortgage policy, but the personage inside course of study thinks, in accordance with the current policy guidance, may continue to tighten on policy rules for second homes, accumulation fund and tax policy.

And according to the market rumors, in the real estate regulation and second homes down-payment requirements will be up to 7, interest rates will rise to 1.13 times the benchmark interest rate.

A stock line GeDai account manager told netease finance and economics, there is no informed two suites down-payment requirements and interest rates, the recent didn't hear any news of the two sets of mortgage policy tightening.

Shanghai e-house real estate research institute, vice President of Yang Gongxu in weibo, points out that on second homes to tighten the rumor is not without its possibility. He pointed out that in the five countries of strictly implement differentiated housing credit policy, including the possibility of further refinement.

Influenced by two sets of mortgage to tighten rumours, second-home purchases also began to heat up. "These days we here people buying second homes began to many, many people also phoned to ask second homes policy," the mediation to netease financial said.