Urgent Need To Accelerate The Implementation Of The New Deal Mortgage Personal Information System -

To firmly curb the surge in housing prices in some cities

, crack down on the speculative, the State Council recently issued a series of unprecedented ferocity real estate policy. Among them, two sets of mortgage down payment ratio is raised to 50%, the interest rate of not less than 1.1 times and three or more housing loans, may be suspended, will to some extent cut off the use of banking funds, "real estate speculators" in the way of getting money speculators .

Recently, the authority of the department identified the second suite of standard re-analyzed, the clear "to limited room, the family unit." While relying on existing information query the current banking platform, is difficult to have a comprehensive understanding of the true home buyers real estate situation. Based on past experience, the banks used to judge the quality of the information mortgage copy number is not high, often outdated or incomplete information on the situation. Therefore, the implementation of the New Deal in the mortgage process, the ability to achieve "a regulation must be carried", the mortgage is directly related to the implementation of the New Deal effect. To this end, I believe that the implementation of the New Deal Tank mortgage personal information System Development. Currently, the New Deal should be through the implementation of mortgage opportunities to push the personal information of Chinese residents to improve and perfect the system.

While ago I had a friend around to buy the second suite, but want to enjoy the first suite of benefits. He was informed on a need to open the Construction Commission no proof of purchase. Friends are pleased to find, in his first suite is registered in the name of their wives, so the housing construction commission registration system to display his name without property, and this system shows that he is still unmarried. So, a friend very successfully got no room to prove.

Recognized standard in the Second Suite, "with limited room", the room number identified will be more dependent on housing construction sector, the registration system. Identified in the family as a unit under the principle of two suites, commercial banks can not query the Czech Republic to the name of the borrower's family members, real estate, it will be to promote the smooth implementation of the New Deal Fang Dai a basic requirement.

And because data is not perfect, the information is not relevant departments to achieve interoperability, how to achieve housing registration system and individual credit information database is the urgent need to promote the work of the network. It is understood that commercial banks used to confirm the name of the borrower's principal property is the central data system of personal credit information system. But as customers change in marital status and other information are basically not going to take the initiative to inform the commercial banks, so that by the commercial banks to submit personally identifiable information are quite outdated. Commercial banks can collect the most useful data from which is "whether the mortgage records."

by: gaga

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