Affordable Mortgage Stop mortgage also basically not

This reporter Shoson Chu Yu Changsha reported in the Mawangdui vegetable market to do wholesale business Hu boss recently want to expand business, but money turnover appeared problems. So he tried to secure a bank loan by mortgaging his house.　　But in the process of mortgage, the bank told Hu boss, because his house belongs to the housing, according to regulations, can not handle mortgage registration. From March 30 onwards, in accordance with the new provisions of the Changsha Housing Authority, except for mortgages, Changsha all banks have ceased to apply for the mortgage registration of affordable housing. Yesterday, the reporter from Changsha Real estate transaction management held in the "2010 Joint Meeting of Banks" confirmed the news.　　In fact, in Changsha affordable housing not only can not be mortgage registration, mortgage purchase of affordable housing is also widely blocked by banks. Housing prohibited mortgage "housing and commercial housing, more special, housing itself enjoys state policy subsidies, buyers also have a lot of conditions, the current basically can not be traded." If you make a mortgage, the bank will be very difficult to dispose of.　　"A state-owned bank credit department in charge of the telephone revealed to reporters, in fact, before March 30, banks generally no longer accept the mortgage registration of affordable housing." Another state-owned bank of the lender also disclosed to reporters, because the housing in real estate transactions in the existence of incomplete property rights, contrary to policy provisions, and other reasons, can not be smooth transfer between the individual, the bank in the mortgage on the disposal of affordable housing problems, it is difficult to sell houses. As a result, banks have abandoned the mortgage registration business of affordable housing.　　Therefore, the state-owned Bank of the credit department, the March 30 stop the Housing mortgage registration procedures to comply with policy provisions and the actual situation of the market. "Not even a mortgage." In accordance with the provisions, in addition to the mortgage, Changsha all banks have ceased to handle the mortgage registration of the economically applicable housing.　　That means the mortgage is not, the mortgage can be done.　　But in fact, "mortgage is not good", a joint-stock Commercial Bank Changsha branch of the relevant people to reporters that the bank basically no longer deal with the mortgage business of affordable housing. "We did a few years ago, the mortgage of affordable housing, and then some individual customers for a variety of reasons to stop repayment, the bank will mortgage the house back, but can not dispose of, because it can not be traded."　　"Another joint-stock Commercial Bank of the mortgage people to reporters that they have been for several years did not deal with the mortgage of affordable housing."　　Reporters then interviewed several other banks, found that many banks have closed the mortgage business of affordable housing. So how to buy affordable housing?　　Bankers say they can only pay their own income, or borrow from relatives and friends, for the entire purchase of their homes. Insiders pointed out that the purchase of affordable housing people's purchasing power problem, but also led to the bank is unwilling to deal with the housing mortgage mortgage one of the reasons. The purchase of affordable housing family income is lower, the bank in the disposal of affordable housing, there are no marketProblem。 [Affordable the new regulation analysis] does not obtain the complete property rights not to rent the housing the Ministry of Urban and Rural construction 26th promulgated the "on strengthening the economic application of housing management related issues notice." The notice, the price of commodity housing is too high, a city that has risen too fast should substantially increase the supply of affordable housing and expand the scope of supply appropriately, and when purchasing an economically applicable housing, if there is a high consumption activity that is manifestly inconsistent with its declared income, it should take the initiative to make a statement to the Housing Security Department and cooperate with the verification and publicity Economic application housing buyers in the acquisition of complete property rights, can only be used for their own lives, not to sell, rent, idle, lend, and may not change the use of housing without authorization. According to the Xinhua News Agency [Mortgage] banking network to eliminate the "one room more than" from May 1 onwards, Changsha Home registration will be able to apply to the bank directly online, without the need to go to the Housing Bureau. Yesterday, Changsha real estate transaction management together with the banks announced that the "Home mortgage registration Business online Application" system. The system will ensure the direct transfer of the application data from financial institutions to the registration department, which marks the completion of Changsha property right transaction registration period and the complete set of the online application platform. Another, from the Changsha housing Exchange data show that 2010 year, the first quarter, Changsha total real estate mortgage loan amount 15.459 billion yuan, year-on-year growth of 62.67%.