Beijing Zhongshuo Investment:-It has been a month since the Ministry of Housing and Urban-Rural Development issued the second set of housing accreditation standards, but there are still obstacles for banks in this city to implement the new standards! Beijing Zhongshuo Investment:-Recently, the city's new real estate policy? To the horse? Promulgated, and did not put forward specific implementation details. The banker in this city said, to the horse? The bank's mortgage policy has not changed since it was introduced!
Beijing Zhongshuo Investment:-What is the main number of the house identified? Credit information?
Beijing Zhongshuo Investment:-Although the Ministry of Housing and Urban-Rural Development has a new definition? Second suite? The standard stipulates that the number of residential units in commercial personal housing loans should be determined according to the number of complete housing units actually owned by family members (including borrowers, spouses and minor children), but due to the lack of specific implementation measures, many bankers in this city said it was difficult to implement.
Beijing Zhongshuo Investment:-According to the regulations of the Ministry of Housing and Urban-Rural Development, at the request or authorization of the borrower, the competent department of urban real estate with inquiry conditions should inquire about the borrower's family housing registration records through the housing registration information system and issue a written inquiry result. ? We can't find the housing registration information system of the housing management department now, and the housing management department has not started to issue certificates in this regard for citizens applying for loans. ? Bankers in this city told reporters. Beijing Zhongshuo Investment:-It is understood that at present, banks in this city still use the information recorded in the personal credit information system as the main criterion for determining the number of housing units when approving applications for citizen mortgage.
Beijing Zhongshuo Investment:-? We can only find this system now. A state-owned banker told reporters that, therefore, when determining the second home loan, it is still in accordance with the previous standards! ? When the reporter asked, if the citizens did not have a loan when they bought a house before, would it still be a loan at this time? First set? When the other party answers. what's up .
Some banks have adopted some flexible methods. It is understood that the Ministry of Housing and Urban-Rural Development stipulates that if the family housing registration results cannot be provided temporarily due to local conditions, the borrower shall submit a written credit guarantee for the number of family housing to the lender.
? We will ask the citizens who apply for loans to write a description of the actual number of housing units themselves, and then conduct an investigation accordingly. ? A person from a joint-stock bank told reporters, but some citizens think that this method is not too strict. Is there a family with multiple houses? A loophole? Drillable.
Beijing Zhongshuo Investment:-Three sets of mortgage in disguise? Release?
Beijing Zhongshuo Investment:-Can the third home loan be issued? ? National ten articles? It is only stipulated that in areas where the price of commodity housing is too high, rising too fast and the supply is tight, commercial banks can suspend the issuance of loans for the purchase of third and above houses according to the risk situation. The head offices of some banks have also handed over the decision on whether to issue the third home loan to local branches.
Beijing Zhongshuo Investment:-This release? To the horse? It is stipulated that the third and above houses should be purchased by loans, and the down payment ratio and loan interest rate should be greatly increased according to the risk management principle. This is actually equivalent to announcing the third home loan? Release of Beijing Zhongshuo Investment:-It is understood that for the third and above mortgages, the basic requirements of banks in this city are that the down payment ratio and interest rate are higher than the second mortgage. For example, some require a minimum down payment of 60%, and the loan interest rate is 1. 15 times or 1.2 times the benchmark interest rate; Some banks also stipulate that for every additional mortgage, the loan interest rate will rise by 0.05%. Some banks stipulate that, in principle, third and above mortgages will not be issued.
Beijing Zhongshuo Investment:-Foreigners can still apply for mortgage in Tianjin.
Beijing Zhongshuo Investment:-? National ten articles? It stipulates that in areas where commodity housing prices are too high, rising too fast and supply is tight, housing loans will be suspended for non-local residents who cannot provide local tax payment certificates or social insurance payment certificates for more than 1 year. What about now? To the horse? There is no mention of the loan policy for foreigners to buy houses.
Beijing Zhongshuo Investment:-? We can accept the loan application of a foreigner to buy a house, but we will examine it more strictly, mainly to determine whether he really works or lives in this city for a long time and has the need to buy a house. ? A number of bank-related persons in this city said that when foreigners apply for buying a house, they should show their local tax payment certificates or social insurance payment certificates for more than 1 year as required.
Beijing Zhongshuo Investment:-A person from a state-owned bank said that in this bank, foreigners can provide proof that the city's housing provident fund has been paid 1 year or more.
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