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发表于 2014-7-11 04:57:36
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mortgage term trend long first limit of 30 years
In new network on 15 September, according to the Hongkong Wen Wei Po reported, USA QE3 a, the Hongkong property market boomed, the lift counter offer letter disc tide, Tuen Mun new 15 minutes to sell more than 100. The HKMA 14 bursts of action, the first to have "two suite" of the applicant,outlet hogan italia, the contribution of income ratio from 50% to 40%, according to the credit tightening; the other is signing the first mortgage the long period, will include the first home buyers, the applicant of all new mortgages, the most can only do 30 years,collezione hogan, to prevent the property market bubble and bank risk.Along with the new
the HKMA since last year statistics "two suite" related mortgage, data display,ipad 1 cases, as of July this year,mulberry bags, a new batch of mortgage,hogan scarpe outlet, about 36% to hold more than one outstanding mortgage,top ipad cases, Chen Delin said,hogan outlet milano, holding a number of mortgage loan applicant default rates, is held by 3 to 4 times the single high off.
mortgage term trend long first limit of 30 years
second strokes for the people to "asset level" as the basis for applying for loans, the maximum LTV ratio from 40% to 30%. The third measure is the main source of income of non local applicants,vanessa bruno pas cher, the LTV ratio required by 10 percentage points, to 7000000 yuan or less self occupied property as an example, the highest local income by 70%, non local income may borrow up to 60%; in the new "two suite" concept, the most high LTV to be down 20 percentage point,hogan outlet 2014, or 7000000 yuan or less property only borrow 50%.
at the same time,mulberry outlet sale, the bank for their contributions pressure test, namely the assumption that interest rates rose 2 per cent, its contribution to income ratio limit,hogan scarpe, also from 60% to 50%. But the authorities for the individual only a not fully repay the mortgage applicant, to exempt the above limitations,coolest iphone 5s cases, including building the exchange floor, people will have the property plus, as well as to the legal documents to prove that the "two suite" for personal property, exemption may be granted.
The new guidelines issued
disguised loans down into the city, reducing risk
yesterday, HKMA chief executive Chen Delin since he took office in 2009,hogan outlet milano, five have been launched, according to regulatory measures. Chen Delin yesterday that since last June, the HKMA fourth degree deal, the market was once the cooling, but only lasted 7 months,scarpe hogan outlet milano, in February this year trading again active,cheap mulberrys online, property prices since February has risen up to 13%; while the Fed launched QE3, Hongkong will attract more capital inflows from America, Hongkong property market again the face of rising risk, the need to strengthen the banking risk management.
non local income earners to borrow up to 60%
HKMA yesterday,hogan interactive uomo, has not only reduced the value of the property and the LTV tricks,mulberry outlet store online, but to have "two suite" the contribution of income ratio. Who has more than one outstanding mortgage loans, whether residential or commercial property of new applications, the contribution of income ratio limit,scarpe hogan donna, from the previous 50% down to 40%. That is a monthly income of 20000 yuan a month for the applicant,hogan outlet italia, the maximum 10000 yuan, will be dropped to 8000 yuan, in order the applicant can borrow up to a decrease in the amount of reducing their risk,hogan interactive, "to borrow as much as" into the city.
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