Bank Five to check fake single to prevent two sets of mortgage change first set

According to the property market New Deal, the second suite of the first payment ratio of at least 50%, the loan rate must not be lower than the benchmark rate of 1.1 times times; for the purchase of the first set of housing and the building area of 90 square meters above the family, the loan first payment ratio shall not be less than 30%. In this respect, some of the real estate agents for customers out of the wrong strokes, such as "Fake Divorce", "fake unmarried" and so on, to help customers two sets of loans into the first set of mortgages. Reporters learned yesterday from the bank, in response to this situation, the bank will be through the credit system, hukou, and even investigation visits and other five means to investigate the marital status of the lender.　　In addition, banks are expected to network with tax and civil affairs departments to obtain first-hand data. >> Deception Fake single avoid two sets of mortgage reporter yesterday as the identity of home buyers to consult a number of real estate intermediary company, a salesman told reporters: "If you fancy the house, do not worry about the loan problem." Now there is a way to get two mortgages into the first mortgage. "Now that the banks are operating under the new policy, is it not tightly regulated?" "For the reporter's question, the salesman said:" At present two suite is determined to be the family unit, but may the false divorce, as long as the name does not have the property the side to purchase the loan, the bank can follow the first set of mortgages to operate. In addition, if the husband and wife's account name is also in the parents ' hukou, can use ' false unmarried ' to handle the loan. "In this respect, the capital of a credit institutions Wei Jia, said the relevant person, unmarried without loans, apply for a mortgage as long as single proof can be." There are also fake divorce loans to buy houses, because the bank is not fully networked, if the borrower provided a false divorce certificate, the bank can not verify.　　However, most of the cases can be found through visits and other investigative methods.　　>> Response Banks hope that the network of several banks said, whether the "fake divorce" or "false unmarried", banks will be strictly check the end, once found, are in accordance with the second suite treatment. The head of a big bank's mortgage business said the two suite was identified as a "recognition of housing and loans", even if the husband and wife of all the property in the divorce after the party, but the other party in the central bank credit system in households have a loan record, again apply for a loan to buy a house will also be identified as two sets of mortgages, so "fake divorce" Can not evade the new deal.　　In addition, even if one of the couples in the marriage before the purchase of loans, in the name of the other side of the loan purchase will be identified as two sets of mortgages, banks in the examination and approval of the loan to the borrower to provide the hukou and marital status certificate and other materials. At present, the banks are strict on the status of the borrower's marriage audit, the bank set "five customs" audit marital status, such as the identification of the hukou.　　A large state-owned bank credit department Responsible person told reporters that the bank wants to work with the Inland Revenue Department, Civil Affairs Bureau and other relevant departments to obtain more reliable first-hand data for the loan approval and the basis, and has repeatedly reflected the relevant wishes to the regulatory level.　　The bank checks the way to look at the account part of the married people in the hukou will cover the "Married" Red chapter. Ask for a weddingMarriage Status Certificate If the applicant said that he is unmarried, must be issued a single certificate, and need the unit personnel department or the neighborhood Committee stamped proof. Check the bank credit system customers need to fill out a form when they apply for a credit card and other banking business, and they usually have marital status.　　If married at that time, this information will be entered into the national network of credit system, the bank can be queried through the system. Check the family member information table the family member information table has the home buyer's spouse, the parents, the brothers and sisters and so on family member situation, as well as all family member's existing property situation.　　The bank now has the right to inquire about a person's family member information table in the system.　　The investigation visits the bank before approving the loan, but also through the Mintza and so on the various situation which the credit person, the marriage relation is a survey key point. >> consequences forged single proof can be held accountable for "false divorce" and "false unmarried", some lawyers say, if the forgery of single proof may be held accountable. As far as the loan contract itself is concerned, the bank may revoke the mortgage by legal means if it adopts fraudulent means such as a forged single certificate to obtain the mortgage discount. and forging, buying and selling documents of State organs, such as hukou, is a kind of illegal and criminal acts, the state departments will be based on the facts and circumstances of the severity of fines, detention and other punishments, the circumstances of serious violations of the criminal law, but also be held criminally responsible. (Reporter Gaochenwu Ma Wenting)