Banks to limit foreign loans to the precision of the attack outside the House group

Banks to limit the total restrictions on foreign loans do not provide more than one year of the city's tax or social security certificate of inadmissible applications this precision crackdown on the property market to control the new deal another measure is strictly enforced.　　Yesterday and today, the reporter confirmed from the relevant departments, for those who can not provide more than 1 years of tax certificate or Social Insurance payment certificate of Non-local residents, all commercial banks in this city have suspended the granting of home loans.　　Paparazzi does not provide relevant proof that the bank does not accept the application April 30, the Beijing municipal government announced the "Beijing Municipal People's government to implement the State Council to resolutely curb the price of some cities in the rapid increase in the document" notice, which clearly pointed out that the suspension of the city can not provide more than 1 years of tax certificates or social insurance payment certificate of non-city residents to lend.　　Yesterday afternoon till this morning, the reporter calls each commercial bank credit department by the customer identity, the result discovers, ICBC, the construction Bank, the Bank of China, Beijing banks and so on 15 banks "the caliber is consistent", all said that currently applies for the mortgage must provide 1 years above the Beijing tax proof or the social insurance payment proof, otherwise does not provide　　Subsequently, a number of mortgage guarantee agencies to further confirm the news.　　A credit agency Wei Jia said that all banks have since yesterday to request the mortgage customers to provide more than 1 years of the city's tax certificate or Social Security certificate, "This information has been with the proof of personal income must be provided, if not, the bank will not accept the loan application." Case Unit no Social security intermediary salesman was "refused to sign" "I helped hundreds of people to do a home loan, now to my here, the bank has not granted me a loan!"　　"Yesterday, in Beijing second-hand housing market for five or six years, the intermediary staff Xu told reporters, he finally saved enough down to buy a second-hand house, but because they can not provide tax proof and social Security certificate by the bank refused to lend." Xu says he has worked in more than 10 small intermediaries, but these companies have never paid their employees for Social Security, the monthly wages are cash, there is no tax proof.　　The income he bought for the house is proof of his friend's opening in another company, and now the material for the loan request is too much to deal with. Xu says he is currently facing a default and the homeowner is refusing to refund the deposit. He said, now can not buy the house does not matter, anyway, there is room for a fall in house prices, but the most worrying is a lifetime can not buy a house.　　For this reason, he had the idea of resigning and finding another job.　　　　According to Zhongyuan real estate statistics, such as Xu in Beijing for many years without any income proof of the crowd is quite large, occupying 20% of foreign buyers. The latest version of the materials required to apply for a mortgage (for example, ICBC) 1. Legal identity documents of the borrower 2. Proof of financial income of borrower or employment certificate for 3.1 years or more in Beijing tax certificate or social insurance payment 4. Borrower's Household Account Register 5. A spouse must provide proof of marital relationship 6. A written commitment signed by the borrower to express mutual repayment liability is required 7. The borrower and the premisesProduction and development Enterprises signed the "purchase of commercial housing contract letter of intent" or "commercial housing sales (pre-) Sales contract" 8. A copy of the receipt or invoice of the first payment issued by the bank deposit slip or the real estate development Enterprise 9. Other documents or information requested by the lender (Note: The 3rd is the new content after the implementation of the property Control policy)　　) Analysis of the "precision crackdown" outside the group for the effect of the new mortgage restrictions, the industry generally believe that it can "accurately combat" investment speculation for the purpose of the phenomenon of outsiders buy.　　Wei Jia, said the relevant responsible person, Jiangsu and Zhejiang area of the fry are mostly loans mainly, they are more adept at a very small amount of money in exchange for more profits, so cut off its financial lifeline, is quite effective way.　　Pan Shiyi, the chairman of Soho China, said the policy of restricting home purchases was the latest in a number of measures, "Let me be the most unexpected one." Pan said that Beijing as the capital, the proportion of foreigners buying houses has been relatively high, and even more than half of individual projects. Outsiders are also divided into two categories, one is a foreigner working in Beijing, the other is not working in Beijing, outsiders.　　The latter category of buying a large proportion. Especially for the people in this part of the house, the mortgage can play a financial lever effect, a great effect. Banks now impose restrictions on the second category of outsiders buying housing in Beijing, without lending support, which will greatly increase their difficulty in Beijing.　　As a result, such restrictions will play a prominent role alongside other regulatory policies, and the rise in capital housing prices will soon be curbed.　　Small and medium enterprises employees are implicated however, there are also industry insiders said that the new deal in the restrictions on foreigners in Beijing to fry the house, but also affected some small and medium-sized enterprises to buy their own housing. Because now many small and medium-sized enterprises in Beijing pay is issued in cash form, through various means to avoid tax. These SMEs do not have social security, there is no Provident fund and other benefits.　　This part of the enterprise staff many to the capital of the year is not much, must use a mortgage to buy a house. Zhongyuan Real estate data show that the current Beijing real estate market demand for housing, more than 60% of the purchase of foreigners, of which 20% belong to no tax certificates or social security certificates.