Recently, a notice about establishing marriage information inquiry mechanism and improving housing loan management has been circulated on the Internet. The picture shows the document jointly issued by Shenzhen Central Sub-branch of China People's Bank, Shenzhen Supervision Bureau of China Banking Regulatory Commission and Shenzhen Housing and Construction Bureau. The content points out that the Shenzhen Housing and Construction Bureau will further improve the function of the real estate information platform and provide convenience for commercial banks to inquire about the marriage registration information of buyers through the provincial data sharing mechanism.
"Although we haven't received this document, we are already following its contents. When customers apply for housing loans, we will verify their marriage information. " A personal loan manager of a large commercial bank told this reporter.
Mr. Liang, a senior property consultant, told this reporter that this document is indeed true, and it was implemented from September 10: "Since yesterday, property buyers need to submit screenshots of marriage information on the small program' Guangdong Province'."
Earlier, some media said that they had received a "real document" reply from Shenzhen Central Branch of China People's Bank. In order to verify this matter, on September 1 1, the reporter repeatedly called Shenzhen Central Sub-branch of the People's Bank of China, Shenzhen Supervision Bureau of the Bank of China Insurance Regulatory Commission, Shenzhen Housing and Construction Bureau and Shenzhen Civil Affairs Bureau. As of press time, no reply was received.
Shenzhen will establish a marriage information inquiry mechanism?
Recently, a Notice on Establishing Marriage Information Inquiry Mechanism and Improving Housing Loan Management (hereinafter referred to as the Notice) jointly issued by Shenzhen Central Sub-branch of the People's Bank of China, Shenzhen Supervision Bureau of the Bank of China Insurance Regulatory Commission and Shenzhen Housing and Construction Bureau was circulated on the Internet.
The contents of the document point out that the purpose of this notice is to strictly implement the requirements of differentiated housing credit policies, establish a marriage information inquiry mechanism, and improve the management of individual housing loans.
At the same time, the contents of the document clearly stipulate the responsibilities that each participant should perform.
Shenzhen Housing and Construction Bureau will further improve the function of the real estate information platform, and provide convenience for commercial banks to inquire about the marriage registration information of buyers through the provincial data sharing mechanism.
Commercial banks should inquire about the marital status of borrowers and the number of housing units owned by family members in Shenzhen through the real estate information platform when handling personal housing loan business. At the same time, the notice also stressed that the use of marriage registration information by commercial banks requires the authorization of borrowers, and marriage registration information is limited to the examination and handling of personal housing loan business.
China People's Bank Shenzhen Central Sub-branch and Shenzhen Banking Insurance Regulatory Bureau will strengthen the supervision and inspection of housing loan business.
Earlier, some media said that they had received a "real document" reply from Shenzhen Central Branch of China People's Bank. On September 1 1, the reporter called Shenzhen Central Sub-branch of the People's Bank of China, Shenzhen Supervision Bureau of the Insurance Regulatory Commission of the Bank of China, Shenzhen Housing and Construction Bureau and Shenzhen Civil Affairs Bureau several times to verify whether the contents of the documents were true. As of press time, no reply has been received.
Mr. Liang, a senior property consultant, told this reporter that this document is indeed true, and it was implemented from September 10: "Since yesterday, property buyers need to submit screenshots of marriage information on the small program' Guangdong Province'."
The reporter logged into the "Guangdong Province-saving" applet and tried to inquire about his marital status. The result shows that there is no associated card for the time being. "After all, it was only used yesterday, so the program may not be very mature." Mr. Liang told this reporter. The reporter also observed that the "marriage certificate" function was under maintenance from 8: 00 pm to 1 2 pm on September, and it could not be used normally.
The reporter inquired that the "Guangdong Easy" applet is a mobile government service platform integrating high-frequency people's livelihood services. It is the first "digital government" reform and construction achievement in Guangdong Province, including nearly 800 high-frequency people's livelihood services such as public security, human society, education and taxation. Users can pass the authentication of "real person+real name" and handle a number of livelihood services in small programs.
Disclosure of real estate information * * * enjoys precedent.
After the buyer learned the news, he said to the lady in a group of buyers in Shenzhen: "Fake divorce will completely become history." Mr. Li, the buyer, pointed out the shortcomings of the documents: "Only enjoy the data in the province, and someone may apply for a divorce certificate from other provinces."
"This is fairer to those who buy the first suite." Mr. Liang, a property consultant, said that the marriage and love information network has a great influence on people who buy two suites, because the down payment ratio is 40% different.
"In the past two years, there have been more and more phenomena of defrauding the qualifications for buying houses and obtaining preferential interest rates for the first home loan by means of fake divorce. This shows that the information of the bank mortgage department to the borrower is incomplete. " Yan Yuejin, research director of the think tank center of Yiju Research Institute, said: "In the subsequent issuance of various types of housing loans, it is no longer simply to inquire about the borrower's information, but to inquire about the housing situation of the relevant family members, which is essentially helpful for individuals to control the purchase behavior."
Jaco, chief analyst of 58 Anjuke Real Estate Research Institute, said in an interview with this reporter: "This is a precedent for the enjoyment of real estate information. In this way, we can more dynamically understand whether the buyers who apply for loans meet the corresponding conditions, and we can block the fake divorce loopholes more conveniently and efficiently. "
Jaco also said: "Before this, whether commercial banks want to inquire about the marital status of buyers or individuals want to apply for unmarried certificates, there are many inconveniences. At the same time, due to privacy, it is difficult for many civil affairs departments to open the marriage information inquiry system to commercial banks. "
"The establishment of the platform has supplemented the information of lenders. For banks, it is possible to correctly judge the loan qualifications of lenders with complex marital status and truly implement differentiated credit. " Wang Xiaoyu, a housing data analyst at Zhuge, told this reporter.
Pan Hao, a senior analyst at RealData, said that since July, Hangzhou, Dongguan and Shenzhen have issued purchase restriction policies for many times, and Nanjing, Wuxi and Nanjing have issued purchase restriction policies respectively. Seven national policies involve cracking down on the phenomenon of "fake divorce and real real estate speculation" and generally point to prohibiting real estate speculation. Stabilizing housing prices and checking for leaks and filling vacancies are the core directions of the new round of policies. This time, under the guidance of previous regulation, Shenzhen continued to curb speculative real estate speculation.