Ji'nan June 8th news (reporter Sang Haibo) because of the lack of detailed rules, "recognize the loan and house" new rules of the two suite, although it has been issued, but the bank is confused in the execution. Therefore, most banks in the provincial capital still carry out the old policy of "only accepting loans".
"we do not master the housing information of customers. At this stage, we still identify the two suites according to the loan records in the central bank's credit system." On the 8 day, a mortgage worker from a state bank in Ji'nan told reporters that, although last Friday, the Ministry of housing, the central bank and the CBRC jointly issued a new two suite to determine the new rules, but the specific operation has not been notified, the bank is still in accordance with the old policy of "recognizing the house".
"there is already a housing, and no loan record, repurchase a house to buy a suite or two suites?" In the face of the questions raised by the reporters, a person in the private bank of a state-owned bank in the street said that although the new deal identified in the two suite has been issued, the bank has not received a notice from the superior, and the existing loan application is still in accordance with the original policy.
later, the reporter consulted the name of another bank's Quancheng branch in the name of two suites loan. The staff cautiously said that the two suite had not issued the detailed rules after the new deal was identified. The branch did not accept the new loan application for the time being, and suggested that the reporter consult the other branches. The staff of Lishan Branch of the bank said that the old policy was still implemented according to the "loan recognition" policy, but the policy may change at any time.
staff members of seven joint-stock banks also indicated that there would be a notice in recent days, and the application for housing loans is still in accordance with the old policy.
the policy of "family - based, loan recognition and house recognition" is the harshest in history, but it is very difficult to carry out the implementation of the rules. " The head of a loan department of a provincial bank said that the three sector mentioned the house registration information system, credit records, face-to-face, interview and other forms to verify the lender's housing information, which involves many links, such as household registration, ownership of houses and credit, and many departments such as public security, housing administration and commercial banks. Jointly build information sharing platform, otherwise, it is very difficult to operate from the bank level.
as the bank personage said, the reporter learned from the Ji'nan housing property registration center that at present, the center can only inquire about the property rights information of Ji'nan District, which can not be inquired outside Ji'nan, and can only be inquired by individual units. "In addition to Ji'nan, other cities also have the same problem. If the housing information is not connected to the Internet, the two suites will find it difficult to operate the new deal." Industry insiders say.