NetEase Finance Jan. 27 hearing yesterday, the New Deal State and then a real estate regulation, proposed to increase the proportion of second homes to 60% down payment, loan interest rate of not less than 1.1 times the benchmark rate. NetEase Shanghai today call the number of commercial banks and found that the Agricultural Bank has taken the lead down the implementation of the two suites Liucheng new regulations, while Bank of China, ICBC and so is the performance of the specific details have not been received, two suites based upon the current 5 percent down payment for .
Bank personal credit department, a staff member to the NetEase said that as yet not received the details of specific adjustments, the current mortgage at the Bank of China is still only pay for two sets of 5 percent down payment section, and the interest rate is 1.1 times the benchmark rate. When asked when will the New Deal the application, the staff member said it is estimated after the Spring Festival will be 6 percent down payment practice the new regulations, and recommended for home buyers as soon as possible.
ICBC staff also said that before receiving the new rules, the bank is still 5 percent down payment as a condition of issuing two sets of mortgages. When will receive the details of the staff said
In contrast, the Agricultural Bank of reaction is relatively rapid. Agricultural Bank of China in the credit department of a staff member asked to accept NetEase said, the bank has two suites down the implementation of the provisions of 6 percent, even today, will do the same for the implementation of two sets of loans.
banking analyst, said the New Deal two sets of mortgage loans will help banks reduce risk, raise interest rates, the banking industry is not bad, but the two sets of mortgage banking operations in the proportion of the total limited, the impact of the New Deal on the banking industry is actually very small.
(This article Source: NetEase of: Pu Wang Yi)
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