home loans, analysts said, in addition to three individual banks can still operate a small business suite, first-tier cities have fully stopped lending three suites, and third tier cities though not in the policy to suspend the list, but the clause of home loans in the near future, in fact, has also in a semi-standstill. Reporter had visited the agency said, by Recently policy implications, including two sets of loans, including home loans have become increasingly small space.
Several sets of home loans for those who own, financial expert to Return Weapon: mortgage consumer loans are available to be a “change.” For example, if a home buyer has A, B two houses, the purchase of C for personal property when such basic living home loans shall be refused loans by commercial banks, then customers can choose A or B property is mortgaged, to mortgages of real estate to pay C balance. “But in practice, commercial banks will also remind the customer, so as not to mortgage loans for real estate investments, currently the bank’s home loans in the related business or very strict control.” Home loans salesman explain the special provisions made.
The reporters found on the market today operate the third set of home loans in the greater use of the “illegal” way. For example in order to have property as collateral for consumer loans to pay the first three suites of payment, but without sharing the information is not the case, many buyers of the situation in different places can be considered the first or second suite suites, which enjoy preferential home loans policy. Another example is the assessment by 1% of the fee paid by the company to do the high price of existing property assessment, back to commercial banks for mortgage consumer loans, there may be more than the buyers the full amount loan.