subject: Some Details Of The New Deal Did Not Specify The Mortgage Bank Suspected Covert Drainage [print this page] State Council on April 15 and April 17 the property market regulation introduced the New Deal for nearly two weeks, I learned yesterday from the provincial banks, due to some details of the mortgage policies of the uncertain identification of standards such as two suites, three suites are suspended , the stock of whether the adjustment of preferential mortgage rates, most banks or under the old regulations, or wait for the regulatory authorities and inform the head office, watching the atmosphere and the purchasers as strong.
Two suites are still "know not recognize the Housing Loan"
According to my understanding of the "two sets of mortgage," the judge, after both banks to central bank credit system of basic subject, as long as records have been mortgage, whether paid off or sold, and then buy a house even if the two suites loans .
Shake for this standard from the China Banking Regulatory Commission last week, a director of banking supervision Yang disclosed that information. He said to the media, the new mortgage policy is based on the actual holders of the borrower whether the number of homes to identify two sets of three at the same time, identify the scope of the family unit. That is, "deny recognition Housing loans", and the homes of copy number, "subject to registration of housing authority's housing system inquiries, identified by its conduct."
That the current implementation of the two suites define the standard is a subversion. But in fact, many banks are not optimistic about this. On the one hand the implementation of them because there is not a national network of real estate search system, Home system, no butt, how to check and verify real estate copy number, is difficult to determine the family members; the other hand, the "housing is concerned," there are still "speculation "loopholes.
"Look at the actual possession of the property if the copy number and lack of measures will leave a path of speculative speculation." Boss, a bank mortgage sector, said speculators who can fry a set on sale, This property holds as long as his name is zero, he can always enjoy the first treatment suites loans. "So the best way is to look at purchasing records, or will hold a combined real estate and credit records of judgments."
Learned that because the judge said Yang before the document by the standard has not yet formed, so the province to determine the bank based upon the credit history, "this can not be determined based on oral information." Said a bank.
In addition, the author Discovery Centre, housing construction in conjunction with the Department of the People's Bank, China Banking Regulatory Commission on the second suite is still in the setting of standards, "to be limited room to the family as a unit" may be found the basic principles of the standard, but the first sets from the housing and improve the reasonable requirements of space which will also be considered. If this is the case, was "Cuosha" type needs to improve or to be resurrected.
Some Details Of The New Deal Did Not Specify The Mortgage Bank Suspected Covert Drainage
