Following the Agricultural Bank of China (hereinafter referred to as "ABC") rules, "Hui Guo," Everbright Bank to suspend the rules and could not escape the fate of the recovery. At the same time, the central bank: no central bank rules. The major banks, this was as good as a problem, because there is no rule of the central bank, banks can only keep Jian Guanceng try to figure out the attitude of carefully drawn up their own rules.
So far, individual home mortgages accounted for the highest proportion of the Bank of China, Industrial and Commercial Bank of China Construction Bank and three state-owned commercial banks, have not released details. The other joint-stock commercial banks, Agricultural Bank and China Everbright Bank in the case, most of the above-mentioned waiting for the details of the three state-owned banks as a template.
Has not released details of the "fine"
To date, set out clearly the details of the bank, with the exception of the Agricultural Bank and China Everbright Bank, China Merchants Bank and Bank of Communications also. These banks have announced details of a very important feature, "Rules are not fine," the market is most concerned about "improving the general type of housing" concept, the details of these banks were not hit.
In addition, these rules are also at the head office level, still accordance with branches all over the various parts of the actual situation to develop more detailed operating rules, the head office of some of the key concept of "no specific explanation", is bound to lead to Branches all over the state of confusion, the central bank became clear the bank issued rules 10 days after the deadline expired, most of the details of the bank is still "difficult birth" an important reason.
In fact, the details of the Agricultural Bank after a "Hui Guo," but both before and after the rules do not change. Although both belong to state-owned commercial banks, Agricultural Bank of individual mortgage share of the smaller, so the first to announce the details in the industry do not have a "template."
Judging from the current rules announced by the bank, the Agricultural Bank of rules is the most detailed one, in addition to clearly enjoy the preferential policy for the first time since the general improvement in housing and housing-self, but also said that for the first time on the non-ordinary housing, Can enjoy 25% down payment, no interest rate to float downward concessions. This is the central bank and the China Banking Regulatory Commission last year's second suite provides clear policy conflict.
In addition, ABC has the details of the stock of many mortgage customers are most concerned about the stock of mortgages will they be able to enjoy preferential interest rates of 30 questions more detailed. Other banks have almost taken the issue of "disregard for the time being". Head office in the details "to avoid the" key issues, the details of the operation around the branch is out of the question. Because the bank details of the "birth" of individuals across the mortgage business is almost at a standstill.
Mortgage policy is not loose?
The evening of October 22 the Ministry of Finance announced "rescue the New Deal," the market for mortgage banks to relax look forward to full strength. For the first time since the Ministry of Finance on the purchase of general improvement in housing or housing-general can give the two into a down payment, the discount rate 30 statements, far outstripping the previous market for home loans is expected to relax the effort.
Therefore, the implementation details of the bank, the market also have great expectations, as well as the industry boldly predicted that the second suite liberalized policy may follow. Even a bank in the early to discuss details of when trying to down into two interest rate of 30 concessions extended to all housing.
Quite dramatic, the Agricultural Bank of the details of the "Hui Guo," after a few days later, on the same face appears in public, although the details of the second suite policy has been loose, but the decree no longer market its Have a look.
In addition, the preferential interest rate of 30, on the banks, deposit and lending interest rates and a severe upside down, if the stock of mortgages is also the implementation of the prime rate, the bank's income may decrease significantly. If not for stock loans at favorable interest rates, there is bound to be unfair to the existence of customers.
In addition, the market trend is still in decline, the Bank will cut down the ratio between the two as, in fact mean more focus on the risks of banks. As a result, in their own lack of motivation, the banks "to ignore" the central bank issued rules on the request of the period, has yet to announce details of the expected.
Details of the "birth" 10 days after the central bank has begun to urge the Beijing-based bank details as soon as possible, but if the central bank and the CBRC can not bank on the most perplexing several key issues must be given "prompt" and the rest The three state-owned commercial banks also failed to publish a Jian Guanceng was approved by the rules "model", the bank's rules also may be "difficult labor."
So far, individual home mortgages accounted for the highest proportion of the Bank of China, Industrial and Commercial Bank of China Construction Bank and three state-owned commercial banks, have not released details. The other joint-stock commercial banks, Agricultural Bank and China Everbright Bank in the case, most of the above-mentioned waiting for the details of the three state-owned banks as a template.
Has not released details of the "fine"
To date, set out clearly the details of the bank, with the exception of the Agricultural Bank and China Everbright Bank, China Merchants Bank and Bank of Communications also. These banks have announced details of a very important feature, "Rules are not fine," the market is most concerned about "improving the general type of housing" concept, the details of these banks were not hit.
In addition, these rules are also at the head office level, still accordance with branches all over the various parts of the actual situation to develop more detailed operating rules, the head office of some of the key concept of "no specific explanation", is bound to lead to Branches all over the state of confusion, the central bank became clear the bank issued rules 10 days after the deadline expired, most of the details of the bank is still "difficult birth" an important reason.
In fact, the details of the Agricultural Bank after a "Hui Guo," but both before and after the rules do not change. Although both belong to state-owned commercial banks, Agricultural Bank of individual mortgage share of the smaller, so the first to announce the details in the industry do not have a "template."
Judging from the current rules announced by the bank, the Agricultural Bank of rules is the most detailed one, in addition to clearly enjoy the preferential policy for the first time since the general improvement in housing and housing-self, but also said that for the first time on the non-ordinary housing, Can enjoy 25% down payment, no interest rate to float downward concessions. This is the central bank and the China Banking Regulatory Commission last year's second suite provides clear policy conflict.
In addition, ABC has the details of the stock of many mortgage customers are most concerned about the stock of mortgages will they be able to enjoy preferential interest rates of 30 questions more detailed. Other banks have almost taken the issue of "disregard for the time being". Head office in the details "to avoid the" key issues, the details of the operation around the branch is out of the question. Because the bank details of the "birth" of individuals across the mortgage business is almost at a standstill.
Mortgage policy is not loose?
The evening of October 22 the Ministry of Finance announced "rescue the New Deal," the market for mortgage banks to relax look forward to full strength. For the first time since the Ministry of Finance on the purchase of general improvement in housing or housing-general can give the two into a down payment, the discount rate 30 statements, far outstripping the previous market for home loans is expected to relax the effort.
Therefore, the implementation details of the bank, the market also have great expectations, as well as the industry boldly predicted that the second suite liberalized policy may follow. Even a bank in the early to discuss details of when trying to down into two interest rate of 30 concessions extended to all housing.
Quite dramatic, the Agricultural Bank of the details of the "Hui Guo," after a few days later, on the same face appears in public, although the details of the second suite policy has been loose, but the decree no longer market its Have a look.
In addition, the preferential interest rate of 30, on the banks, deposit and lending interest rates and a severe upside down, if the stock of mortgages is also the implementation of the prime rate, the bank's income may decrease significantly. If not for stock loans at favorable interest rates, there is bound to be unfair to the existence of customers.
In addition, the market trend is still in decline, the Bank will cut down the ratio between the two as, in fact mean more focus on the risks of banks. As a result, in their own lack of motivation, the banks "to ignore" the central bank issued rules on the request of the period, has yet to announce details of the expected.
Details of the "birth" 10 days after the central bank has begun to urge the Beijing-based bank details as soon as possible, but if the central bank and the CBRC can not bank on the most perplexing several key issues must be given "prompt" and the rest The three state-owned commercial banks also failed to publish a Jian Guanceng was approved by the rules "model", the bank's rules also may be "difficult labor."
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