Beijing Old House Loans Start limited personal credit denied

This report (intern Shufang) if the public want to buy a second-hand housing built before the 90 's, it may be ready for the entire section. Since April this year, the central and local property control policies have been intensively introduced, and began to "limit lending" to specific groups of people.　　The author yesterday from Wai Ka, I love my family and other intermediary agencies to understand that, in the implementation of multiple rounds of regulatory policy, second-hand housing loan market has appeared loan House Intervention Limited, personal credit qualification audit more stringent and many other new changes. Wei Ka, the analyst Hao, introduced in 2009, the bank for more than 20 years of intervention property, such as the 1985 after the property, usually will accept the loan application, but the loan number will be reduced. But at present, the bank to the loan housing intervention audit more stringent, at this stage most banks for intervention in more than 20 years of the basic property is not accepted loan applications. In other words, it is hard to get loans before 1990. "Such as the 1990 before the construction of the song five, six areas, such as the 6-storey old residential district, the second-hand housing market last year, commercial banks will be enough to lend, recently there has been a case of inadmissible."　　"she said. In the case of bank real estate credit tightening, the bank to the borrower's personal credit qualification audit more stringent, if the borrower has a three consecutive times in a year or accumulated six times overdue records, the bank for such customers will mercilessly refuse to grant loans. For the borrower's loan record review, in addition to home loans, car loans, but also personal credit cards and other security loans for others, will be included in the borrower's credit audit list, and in the case of relatively loose lending policy, some banks will "open one eye, close one eye", If the borrower provides reasonable overdue reasons and write down the guarantee, the appropriate release. RJ202 "Current situation visits" individual banks for the purchase of foreigners "flexible" (intern Shufang) last weekend, the Department of Housing and other three departments issued a notice of the determination of the two suite standards.　　The author yesterday called several Commercial Bank credit department to understand that individual banks for foreign buyers "flexible" lending. To the author's inquiries, ICBC, the bank, ABC, CCB, said that the failure to provide more than 1 years of local tax certificates or social insurance payment certificates of non-local residents, the suspension of loans.　　However, BoC said that for Non-resident residents, the loan rate rose to 1.1 times times the benchmark rate on the basis of the "Second Suite" loan policy. In addition, ICBC, CCB said, if the loan system can not find a loan record, that is, as the first home purchase loan. RJ202 "Market reaction" new house turnover of the week 30%, the newspaper (reporter Sino) repeatedly issued a new deal let the real estate market drop Xuhuo. Last week, the data showed that the sale volume of commercial housing houses fell by 30%.　　Some people told reporters yesterday that the two suites are now determined to take into account the size of the living area, so as not to inhibit the rigid demand. Beijing Real Estate Transaction Management network data show that May 31 to June 6, Beijing Housing Online Commodity housing auction 428 sets,A daily average of 61 sets of contracts, the weekly decline of 29.95%, the number of commercial residential buildings signed 167 sets, daily contract 24 sets, the weekly decline to 4.02%; policy housing (including housing and limit room) signed 149 sets, daily contract 21 sets, the weekly increase of 65.56%. "We were going to sell a set of two small house and lend some money to a grand house, but the situation is not allowed," he said. "Although both spouses already have a small room of less than 50 square meters, but now can not borrow money for large rooms, Ms. Yang believes that the second suite is the best to take into account the living area." Some friends suggested her, now the best way may be to sell a set of houses to buy, and so the new house prices fall again for a while to buy. Reporter learned that Ms. Yang a set of houses in Chuiyangliu has been hanging in the second-hand housing intermediary more than a month, although often people call to see the house, but has not been sold. RJ215