on increasing the proportion of mortgages down rumors began. Yesterday, some banks in Shanghai’s confirmation in the face, a change strongly negative attitude some time ago that the future increase the down payment is indeed a larger proportion of the possibility. “I can only say that today the ratio of down payment for mortgage or into three, but the future that will improve the bad.” Yesterday, the Shanghai Department of a bank loan of the person concerned told reporters that there is indeed a wind show that as early as in October the central bank will raise the proportion of mortgage down payment.

reporter has learned, the recent advisory to the banks of the network down whether or not to raise the proportion of home buyers increased. When a reporter to the identity of home buyers to the Bank of China, Construction Bank and other bank branches during the consultation exercise, the banking business manager also told reporters that, if we apply for mortgages, it is proposed for as early as possible, on the one hand, raising interest rates is currently in the channel, on the other hand, may increase the down payment to avoid the risk of proportion.

generally as a result of market interest rates, expected to raise a down payment, etc., “赶早不赶晚” has become the general mentality of home buyers, leading to the recent mortgage banking business is also a “blowout” of potential. The central bank Shanghai headquarters released in August to run the credit report showed that individual housing loans of commercial banks increased 7.13 billion yuan, more than in July by 1.26 billion yuan, a record single month since 2005 incremental new high, the month add a personal housing loans accounted for new loans total more than 90%. At the same time, eight months before the Shanghai new loans has exceeded last year’s total loans incremental.

from the current housing prices and credit volume of the situation, commercial banks have shrunk the money supply and credit control is a fact, sooner or later, will spread to the mortgage banking business. However, senior central bank’s stance on various occasions, we can see that the home loan mortgage policy adjustments aimed at curb speculative activities in the real estate market is not an increase in demand for the normal purchase costs. Therefore, the market forecast, the central bank to raise the proportion of down payment will be mainly concentrated in the “room above the second set.”

this, a small and medium banks in Shanghai, general manager of retail banking, said the central bank to control the excessive growth of investment, the use of consecutive interest rate increase regulation, but taking into account the reasonable needs of home buyers, allow banks to give 15 percent preferential interest rates. From this we can see that increase the down payment will not be “broad-brush”, and the increases should not be excessive.

reporter has learned that while the current Shanghai and banks are tightening up of mortgages, but the ratio of two sets of housing down payment requirements are inconsistent, if the central bank to raise two sets down the proportion of housing, in fact, will regulate commercial bank lending standards. As for the second-hand housing, banks become more flexible mode of operation, as the second-hand housing valuation by the age, size and other factors, it is very difficult given the central bank down unified standards.

down for improving the proportion of hearsay, Kwong said the issue, policy-makers the right to regulatory authorities, as long as the central bank has not given a clear request, the Shanghai Branch of the implementation of existing standards still mortgages. Do not rule out the possibility that the credit lending sales targets for the completion of his intention to create a market expectations. He therefore suggested that home buyers should still be good assets in the planning under the premise of a decision.

银行改变了：{dy}次10月开始比重，提高第二套房下跌

增加抵押xx的比例开始下降的传闻。昨天，一些银行在上海的确认的脸，改变消极的态度坚决前一段时间，未来的增加定金确实是一个较大比例的可能性。 “我只能说，今天的首付款比例或抵押xx分为三，但未来将改善糟糕。 ”昨天，上海部银行xx的有关人士告诉记者，确实有风表明，早在10月央行将提高按揭比例的定金。

记者了解到，最近咨询的银行网络下跌是否提高了购房者的比例有所增加。当记者的身份购房者中国银行，建设银行及其他银行的分行在谘询工作，银行的业务经理还告诉记者，如果我们申请抵押xx，这是提议尽早一方面，提高利率目前正处于渠道，另一方面，可能会增加首付款，以避免危险的比例。

一般是由于市场利率，预计将提高首期付款等， “赶早不赶晚”成为普遍心态的购房者，从而导致了最近抵押xx银行业务也是一个“井喷“的潜力。央行上海总部发布的8月份信贷运行报告显示，个人住房xx的商业银行增加七十一万三千点零零万元，较7月1.26亿元，创纪录的2005年以来单月增量新高，每月新增个人住房xx占新批出xx总额的90 ％以上。与此同时，前8个月上海新增xx已超过去年全年xx增量。

从目前的房屋价格和信贷总量的情况下，商业银行已缩小了货币供应和信贷的控制是一个事实，迟早会蔓延到抵押xx银行业务。然而，高级央行的立场，在各种场合，我们可以看到，居所xx的政策调整，旨在抑制投机活动，房地产市场是不是需求增加的正常购买成本。因此，市场预测，央行提高首付比例将主要集中在“房间上述第二盘。 ”

这一点，中小银行在上海的总经理零售银行表示，央行为控制投资过快增长，采用连续加息调控，但考虑到合理需要的家庭买家，从而使银行能够提供百分之十五的优惠利率。从这一点我们可以看到，增加定金将不会被“粗线条” ，而不应增加过多。

记者了解到，虽然目前上海和银行收紧抵押xx，但比例两套住房的首期付款的要求不一致，如果央行提高了两套住房的比例，事实上，将规范商业银行的xx标准。至于二手房，银行变得更为灵活的运作模式，为二手房估价的年龄，大小和其他因素，很难给出了中央银行统一的标准。

下跌的比例提高的传闻，邝其志说，问题，政策制定者的权利，监管部门，只要央行没有给出一个明确的要求，上海分行的执行现有的标准仍然抵押xx。不排除这样一种可能性：即信用xx的销售目标的完成，他打算建立一个市场预期。因此，他建议购房者仍然应该好资产在规划的前提下作出决定。