reporter on November 24 understood, the construction bank announced the room loan new deal regulation in the same day.The regulation stipulated that, to conforms to the policy new provide commercial character individual mortage interest rate lower limit adjustment for loan datum interest rate 0.7 time, most bows the head the payment proportional control is 20%.After this is continues the agriculture good, the brilliant bank, a move of line and so on fourth announces the regulation the bank.

“the notice was the last week after-crops, we already deferred to the notice to start to loan.” A construction bank Shanghai Branch's loan department public figure disclosed, after October 27 central bank room loan new deal announcement, because has not operated the regulation, the construction bank only can accept the customer equally first with other banks the application, but is unable to examine and approve loans, at present loaned the work already to start.Except the construction bank, in Shanghai's line, the labor line of, a move of line, the water's edge sent the bank also already to start the low key to loan.Can start out buys homes the proof for the first time, and conforms to the ordinary housing conditions customer which the municipal government announces, basic all can enjoy to first pays money 20%, the datum interest rate “hit the 30% discount” the preferential benefit.

reporter understood, the bank already declined inhabitant's to purchase for the first time using the loan non-ordinary from the housing various grade of loan interest rate.The majority banks believed that, the head pays the proportion to be higher, meant bank withstanding the risk is smaller, the borrower also may obtain the preferential benefit interest rate.

the construction bank stipulated that, purchases for the first time to the inhabitant using the loan non-ordinary from the housing, if borrower first payment proportion in 20%-30% (not including), the interest rate lower limit does not have to be lower than the loan datum interest rate 0.8 time (including); The head pays the proportion in 30%-40% (not including), the interest rate lower limit does not have to be lower than the loan datum interest rate 0.75 time (including); The head pays the proportion in 40% above, the interest rate lower limit does not have to be lower than the loan datum interest rate 0.7 time (not to contain).　　

to October 27, 2008 before provides the storage quantity individual mortage, the construction bank will be strict carries out the People's Bank, the silver supervises the meeting the policy claim, and will defer to the original loan contract agreement provision and the borrower credit record and so on determined whether will need to adjust the interest rate fluctuation level.

at the same time, the construction bank will strengthen manages, active control loan risk.To the real estate price undulation big region, as well as the price undulation big housing estate project, enhances the first payment proportion suitably.

in addition, the construction bank will implement regionalizing, the differentiated housing credit policy.Gives each place branch certain right to independence in the loan interest rate and the first payment proportion aspect, differentiates the region, the discrimination estate, the discrimination customer, appraised reasonably the loan risk, the formulation differentiated loan policy, does not do all at once.

"International finance Newspaper" (2008-11-25 04th edition)