Bank of China Third Suite

Not limited to the high price area, yesterday, the first official implementation of the New Express news yesterday, the New Express reporter from the Bank of communications to understand that the Bank of communications has taken the lead in the nationwide purchase of the third house to stop lending, and from yesterday began to implement formally. The separation of adult children may be issued under the rules of Bank of communications issued yesterday, in principle, the purchase of third sets and above housing loans, for those who are true to live needs, such as the customer due to change in the workplace to buy another house, or adult children and parents for the real estate owners, but do separate live, can be granted loans, But the proportion of the first payment shall not be less than 60% (if the local regulation is clearly specified, from local regulation).　　For investment, speculative buying behavior, not to issue loans. Bank of Communications, Guangdong Provincial branch, said for "Customers to change the location of the workplace, or adult children and parents for the real estate owners but do separate living, etc.", we need to provide relevant proof, such as the second article on the need to provide marriage certificate and the residents of the neighborhood issued by separate living proof,　　To ensure that customers belong to the "real live demand." Nationwide parking for the third suite The person also said that the implementation of the headquarters of the general rule is nationwide. In other words, the State Council before the "high price of commodity housing, rising too fast, tight supply areas, commercial banks can be based on the risk situation, the moratorium on the purchase of third and above housing loans" provisions, the Bank of communications does not explicitly define the "area" to be implemented,　　It is a nationwide unification of the purchase of the third suite to stop the loan.　　In addition, for families with loans for the purchase of third and above housing, the implementation rules of the bank's settlement stipulate that the lending rate shall not be less than 1.15 times times that of the benchmark rate, and if the local regulations are clearly defined, the local regulatory regulations will be implemented.　　First Suite mortgage rate minimum 70 percent for the purchase of the first and second suites, the bank's implementation rules are basically consistent with the regulations issued before the State Council. Namely: for the purchase of the first set of housing and the construction area of 90 square meters of the family (including borrowers, spouses and minor children, the same below), the proportion of loans to the first payment shall not be less than 20%; for the first set of housing and the construction area of 90 square meters of households, the proportion of loans　　, the proportion of the first payment of loans to the families who buy the second housing shall not be less than 50%.　　The rules on mortgage rates are: for households that buy the first home, the rate of good customer loans is at least 0.7 times times the benchmark rate; for households that buy a second home, the loan rate must not be less than 1.1 times times the benchmark rate. The second suite determines the standard family as the unit two, the Bank of Communications, Guangdong branch of the second suite to determine the standard is: the family as a unit to determine that the husband and wife of any one person under the name of the property is a family property, the children are not married before the name of the family property. For the home sale of the original property to purchase the situation, if it isTo sell the first house, and then buy the only housing, is also the first purchase; but if the first suite has not been sold, although there is no loan record in the bank, buying another house is still a second-room purchase.