A number of banks out of the new rules part of the confusion was identified two suite

-Reporter Tri Ye with the "New Deal" full moon, a number of banks in Shanghai also continue to two sets of loans to determine from tight. The reporter scoured the new rules of most banks, the following confusing situations will be included in the "Second suite" implementation-family members including borrowers, spouses and minor children, that is to say, underage children are also classified as family, so the name of a minor child purchase, will be in accordance with the second Suite policy implementation, that is, a down payment of 50%, Interest rates float 1.1 times times.　　But Banks said that if they sold the property and then loaned it, they could follow the first suite loan policy. In addition, children under the name of minors have real estate, adult loans after the purchase of the situation, according to the current policy of the bank "credit and recognition room", if not the sale of existing properties, and then loans to buy houses are two suites, will be based on the second suite of policy implementation.　　and originally identified two sets of homeowners to be based on loan records, adult applications for loans when the purchase, not the second set. Third, even if the individual has a full purchase of housing, even if there is no previous home loan record, but the bank in the Housing property rights trading system can find the applicant under the name of the property, in the case of not selling and applying for a loan, will be identified as two suites; similarly there have been loans to buy houses, settlement after the sale of loans to purchase,　　Even if the purchase of the property before the sale, then will be counted as two suites.　　Reporter noted that the first purchase with the commercial loan, and then use Provident Fund loans for home buyers, because the current Provident Fund loan policy is more stringent, as long as the borrower has had a loan record, regardless of settlement or sale, even if never used Provident Fund loans, the first use will be counted as two suites. For a lot of "80" later said, the more concerned about the front of the marriage loan purchase, after marriage, the other side of the purchase of loans, the bank said, this may be because the marriage account does not fall together, but there must be a marriage registration records, the bank in the grant of loans in addition to the borrower to provide the hukou, but also will require the borrower to provide proof of marital status, Married couples cannot provide a single certificate, so the other side will be counted as the second house. In addition, the two sides after marriage loans to buy a home, divorced after the application of a loan to buy a house will also be identified as two suites, so "fake divorce" and can not circumvent the second suite of the New deal.