Ji'nan two suites identified standard bank still "do not recognize housing"
want to buy two suites, then the first payment of loans should not be less than 50%, the interest rate should not be less than 1.1 times the benchmark interest rate. Real estate regulation and control of the new deal has been issued for some time, and the relevant rules are also gradually clarified. What is the standard for the two suite?
in May 7th, the Vice Minister of housing and urban and rural construction, vice minister Qi Ji, proposed that the latest standard of the two suite is probably not simply "only to recognize the house" or "only to recognize the loan", but to determine the combination of the two. At present, the Ministry of housing, the CBRC "housing recognition and loan" provisions have not issued, the relevant rules are not clear. The reporter learned that, like Beijing and other cities, banks have begun to implement the "recognition of the housing and the loan" of the regulation spirit, before the policy was introduced, they took the lead in "groping" a set of specific implementation standards.
to Ji'nan, because the real estate registration system and the bank credit system has no network, the city's Bank in the two suite is still "unrecognizable room". Although "recognizes the house not to recognize the loan" the new deal can not be carried out temporarily, but the wind sound day is tight, some people who have the purchase demand are busy to see the house, hoping to purchase second suites according to the first suite loan policy before the new deal is implemented, instead, it has a fire in the depressed property market.
[b] second suites identified the "strict" word "[/b]
CBRC officials" last month said that the new mortgage policy is no longer identified as a loan record, but the number of homes owned by the family to determine whether second sets, third sets. The new housing policy in the second suites identified "strict" words, reflecting the determination to curb investment and speculation. At the same time, CBRC officials said that more than second units of housing were identified as family standard, and the family consisted of three groups: myself, spouse and underage children.
prior to this, the mortgage policy on the second suite has always been identified as whether the mortgage has been the standard. Therefore, once the loan has been bought, but the loan has already cleared up the customer to refinance the house, the bank also regards as the first suite.
it is understood that all commercial banks in Beijing have been notified. In the near future, they will be able to enter the Beijing housing construction commission's website to inquire about the information of the buyers, in order to carry out the new policy of "recognizing the house not to recognize the loan". According to the notification requirements, the banks will enter the Beijing housing construction commission's housing ownership transaction system through the "key", in order to understand the real housing situation of the family of the loan applicants and implement the differential credit policy. The new deal is therefore called the "fundamental subversion" identified by the industry as the two suite.
[b] Ji'nan bank said "room recognition" is difficult [/b]
yesterday, the reporter learned from a number of banks in our city, at present, has not yet received the "recognition of the house not to recognize the loan" of the relevant notice, the implementation of the "recognition of the house".
the reporter has consulted a large bank in our city with the identity of the house buyer. The staff in charge of the mortgage business knew that the reporter had a set of housing but did not have a loan. It was very refreshing to say, "no problem, we can borrow the first suite policy." Reporters asked whether the bank would inquire about the city's housing registration information, the staff said: "no, we only look at the personal credit system, the information of the housing bureau is not good, and housing information involves personal privacy."
two state-owned banks mortgage Department officials told reporters that "do not recognize the housing loan" is currently no standards or regulations, can not be enforced. The industry believes that the real estate registration system and the establishment of the bank credit information system are for different purposes, networking is not easy. Since the registration information of housing is not connected to the national network, even if the bank is allowed to check the housing registration information of the Construction Commission, it can only understand the property situation of the loan applicant in Ji'nan, and can not understand whether there is any property in the field. Moreover, simply from the perspective of commercial banks, as long as the buyers have the ability to repay the loan is OK, and there is no incentive to investigate whether he has real estate. Will the people's Bank of
serve as the credit management department to cooperate with the Ministry of housing in order to realize the nationwide interconnection of personal credit information and housing registration information? The Ji'nan branch of the Bank of China was very cautious when interviewed by reporters yesterday, and asked the head office to request that it would not accept the interview at present.
[b] part of the citizens to beat the ball to buy a house [/b]
"confess the house does not recognize the loan" related information after the media key reports, some of the original demand for the purchase of the public decided to emergency, in order to buy a house before the implementation of the new deal. Mr. Ma's family, who lives in three of the last unit of the welfare house, has always wanted to buy a bigger loan. He told reporters: "nearly two months of real estate pressure policy after one, I would like to wait for house prices to fall down and buy a house, but if the standard of the second suite has changed, the cost of the loan can be done." Most of them, especially the interest rate, can have been thirty percent off, twenty percent off, if it is considered as two suites, not only do not discount, but also to float 10%, a suite can be less than ten thousand yuan, now can not wait, hope to find a suitable house to grasp the loan.
reporter learned from the sale of the market in the city that the "sense of crisis" brought to the public by the "confess the house not to recognize the loan" has already been "revived", and the people in the housing market are more and more urgent.
sales staff at the same time reflect the worry that the provident fund loan policy change is also the reason why many buyers in Ji'nan are making quick moves. It is understood that Beijing, Shenyang and other cities have tightened the provident fund loans two suites policy.