In an interview with Xinhua News Agency on June 38, 2003, Guo Shuqing, Chairman of China Construction Bank, said that CCB had made it clear that the standard for the second home of the lender was "family household" and raised the down payment ratio of the second home loan in Beijing to 50%. Taking "households" as the unit, that is to say, no matter who owns a house, the other party will be regarded as the second house when buying a house. Commenting on the current hot issues of financial macro-control, Guo Shuqing, a representative of the delegation of the Central Financial System, told reporters that China's current housing prices are indeed rising rapidly, and bank loans are not without risks. CCB is very concerned about this. CCB has taken different measures according to the national macro-control requirements, CCB's own situation and local conditions. He said that due to the different specific conditions in different regions of China, CCB will make appropriate adjustments according to local conditions when formulating the second set of housing loan rules, and the implementation standards cannot be "one size fits all". On September 27th, the People's Bank of China and China Banking and Insurance Regulatory Commission jointly issued the Notice on Strengthening the Credit Management of Commercial Real Estate, which adjusted the credit policy of commercial real estate and clearly increased the down payment ratio of the second home loan. Zhang Qi, vice president of ICBC (Shanghai Branch), said in an interview that ICBC tends to take "households" as the identification unit of second homes, and those who have already purchased houses through bank loans will be regarded as second homes even if they have paid off their loans. Zhang Qi said that at present, the four major state-owned commercial banks are negotiating the details of new mortgages, which are expected to be introduced one after another this week. The down payment for the second home loan is not less than 40%. Following Huaxia Bank, Everbright Bank also released the details of mortgage yesterday. It is clear in the bank's detailed rules that the fixed preferential interest rate is only implemented for the first set of self-occupied housing. If the loan has been used to purchase a house, apply for the purchase of a second or more housing loan or a commercial housing loan, the fixed interest rate mortgage loan will be suspended. According to the mortgage rules of China Everbright Bank, the down payment ratio of the recognized "second suite" shall not be less than 40%, and the loan interest rate shall be 1. 1 times of the benchmark interest rate. The requirements for the down payment ratio of the borrower's third (inclusive) housing loan are: for each additional housing, the down payment ratio of the loan should be increased by 2 percentage points on the basis of the down payment ratio of the second housing loan. The basic requirements for the borrower's third (inclusive) housing loan interest rate are: the third housing loan interest rate should be 1. 15 times of the benchmark interest rate; The interest rate of the fourth (inclusive) or above housing loan is 0.2 times of the benchmark interest rate. This time, China Everbright Bank also adjusted the fixed-rate mortgage: only the first self-occupied housing loan was given a fixed preferential interest rate. The fixed interest rate will be suspended for those who have used loans to buy houses, apply for the purchase of second and above housing loans and commercial housing loans. Huaxia Bank: After the Central Bank and China Banking Regulatory Commission jointly issued the new mortgage policy on the eve of the National Day, the implementation rules of commercial banks have become the focus of attention in the industry. The reporter was informed yesterday that the head office of Huaxia Bank issued detailed implementation rules to all branches, stipulating that the down payment ratio for second homes should be 40% and the interest rate should be 1. 1 times the benchmark interest rate. Every time a house is added, the down payment will increase by no less than 5 percentage points, and the loan interest rate will be higher than before. This means that the down payment of the third home loan will not be less than 45%, and the fourth home loan will not be less than 50%. As for how to identify the second set of housing, the "Detailed Rules" stipulates that those who apply for a loan to buy a house after buying a house are regarded as the second set of housing. The detailed rules also require all branches to check the ID numbers of borrowers and spouses and the number of houses purchased in detail through the central bank's credit information system. However, the "Rules" does not clearly stipulate whether the second house is recognized by individuals or by families. Under the premise of implementing the documents of the central bank and the CBRC and the above detailed rules, each branch of Huaxia Bank can decide more specific operation details on its own according to the actual situation in various places. A person from Huaxia Bank Shenzhen Branch said that considering the widespread phenomenon of real estate speculation in Shenzhen, Shenzhen Branch will only be stricter in implementing the detailed rules. As of yesterday, most commercial banks have not issued the detailed implementation rules, and most banks in Shenzhen are waiting for the head office to issue the detailed implementation rules. It is reported that last Friday, the regulatory authorities convened a meeting of the heads of credit departments of state-owned banks. The "three-point adjustment" on how to determine the second suite is as follows: First, the provident fund loan is not included in the reference item for determining whether it is a second suite. Secondly, buyers who have settled their loans can still be counted as first home buyers. Third, as long as one of the husband and wife still has a mortgage outstanding, it needs to be counted as a second house if they borrow to buy a house. China Merchants Bank: Suspension of fixed-rate loans for second homes It was learned from the customer service departments of China Everbright Bank and China Merchants Bank that the two banks have temporarily suspended fixed-rate loans for second homes. Since China Everbright Bank launched the fixed-rate mortgage in June 5438+1October 65438+March 2006, the fixed-rate mortgage has been its fist product. Up to now, the balance of fixed-rate housing/commercial housing loans has reached 6 billion yuan. "Everbright Bank suspended the fixed-rate loan for the second home, mainly according to the new mortgage policy promulgated by the state, and adjusted its own business to use all its capital resources for the first home loan." Xiao Yingnan, director of the personal loan department of China Everbright Bank, explained to reporters. According to reports, fixed-rate mortgage loans are different from other loans, and the amount of resources needs to be arranged in advance, which is not always abundant. At the same time, according to the spirit of the notice of the central bank and the China Banking Regulatory Commission to adjust the mortgage policy, commercial banks should focus on supporting borrowers' loan demand for purchasing the first self-occupied housing. In order to show its support for the first home loan, Everbright Bank also added two new varieties of 15-year fixed interest rate and 20-year fixed interest rate for the first time, with preferential interest rates of 7.78% and 8. 1% respectively. At the same time, Everbright also lowered the preferential interest rate for each term. The 3-year, 5-year and 10-year preferential interest rates are lowered by 2 1 basis point, 16 basis point and 44 basis points respectively. 5- 10 years after adjustment? What's the point? The preferential interest rate of Xuegu loan is only 7.32%, which is only about 0.7 percentage points different from the preferential interest rate of floating rate mortgage.