On September 10, a Notice on Establishing Marriage Information Inquiry Mechanism and Improving Housing Loan Management issued by Shenzhen Central Sub-branch of China People's Bank, Shenzhen Supervision Bureau of Bank of China Insurance Regulatory Commission and Shenzhen Housing and Construction Bureau was published online.
The Notice pointed out that Shenzhen will establish a marriage information inquiry mechanism, improve the management of individual housing loans, and provide convenience for commercial banks to inquire about the marriage registration information of buyers through the provincial data sharing mechanism.
At the same time, when handling personal housing loan business, commercial banks should inquire about the marital status of borrowers and the number of housing units owned by family members (including borrowers, spouses and minor children) in this city through the real estate information platform, as the basis for loan review, and effectively implement the requirements of differentiated housing credit policies. At the same time, commercial banks should adjust relevant business processes and management systems accordingly.
Authorized by the borrower, the commercial bank inquires about the borrower's marriage registration information according to the regulations, and the relevant information is only used when approving and handling personal housing loans.
Some people from Shenzhen banking supervision institutions and related staff of several real estate agencies confirmed the authenticity of this document to this newspaper.
This also means that with the establishment of the marriage information inquiry mechanism, some behaviors that want to bypass the policies of "restricting purchases" and "restricting loans" in real estate through "fake divorce" and forging divorce records will be "nowhere to hide".
The loophole of "fake divorce" in buying a house was mentioned in the new property market policy issued by Shenzhen on July 15 this year. Shenzhen Housing and Construction Bureau, together with the Municipal Planning and Natural Resources Bureau, issued the Notice on Further Promoting the Stable and Healthy Development of Shenzhen Real Estate Market (hereinafter referred to as the Notice), which has clear provisions. The "Notice" includes adjusting the purchase restriction period of commercial housing. Deep households and adult single (including divorced) families must have settled in this city for three years, and can provide proof that they have paid personal income tax or social insurance in this city for 36 months or more before the date of purchase. Non-deep households and adult singles (including divorced) continue to buy commercial housing in accordance with the provisions of the city on continuous payment of personal income tax or social insurance certificate for 5 years or more before the date of providing proof of purchase. If the husband and wife divorce, within 3 years from the date of divorce, if either party purchases commercial housing, the number of houses it owns shall be calculated according to the total number of families before divorce.
It is also mentioned in the detailed rules of Shenzhen's real estate regulation and control "Eight Articles of New China" published on July 30 that if a husband and wife divorce, if either party purchases commercial housing within three years from the date of divorce, the total number of houses owned by the original family shall be calculated according to the date of divorce (based on the registration time of divorce certificate or the effective time of court judgment). If there are more than two (including two) divorce records within three years before the date of purchase, all divorce records within three years shall be traced back, and the number of housing units owned by them shall be calculated according to the sum of the total number of divorced families within three years before the date of purchase.
Under the background of no speculation and precise policies, the second-hand housing transactions in Shenzhen property market turned down after the "July 15" property market new policy, with a decrease of 15% from the previous month. According to data from Shenzhen Zhongyuan Research Center, in August, the number of second-hand residential transfer units in Shenzhen decreased from the previous month. The data shows that the number of second-hand residential transactions in Shenzhen in August was 1 1322, down 15.6% from the previous month. The transaction area was 975,000 square meters, down 15.0% from the previous month. Judging from the whole city of Shenzhen, the number of transfer sets in various districts has generally declined. In August, the number of second-hand residential transactions in all districts of Shenzhen declined, and the decline rate generally exceeded 10%. The number of transactions in Yantian and Futian fell by more than 20%. Longgang is still the region with the largest transaction volume in the city, and the number of transactions decreased by 13.5% from the previous month to 3,253 sets, accounting for 28.7% of the city's transactions.
From the perspective of the new housing market, 4,076 sets of new houses were sold in Shenzhen in August, up 17.2% from the previous month. The transaction area was 409,000 square meters, up 17.4% from the previous month.
Editor in charge: Liu Xiuhao
Proofreading: Ding Xiao