Beijing's banks have decided that the two suites are not uniform

Some banks "recognize the house" some banks "credit" policy chaos Mucilloid Citizen Zhang yesterday finally relieved, originally thought must be killed the third suite loan, unexpectedly according to the first suite to grant loan.　　April 30, Beijing 12 regulations to strict mortgage, two suites must carry out a down payment of 50%, the rate of 1.1 times times the new deal, but the reporter found in the investigation, the Bank of the credit, and some of the house, we currently for the definition of two suites are different, mess hemp. Third Suite is the first set of IT professional graduation Arch (alias), is a friend of the name of the small rich. 4 years ago, he bought two sets of 40 square meters and 60 square meters of small huxing on the four-ring side. But because I think the area is small, this April, he again in Fengtai District a property to see a set of expensive 80 square meters small two lives, decided to use commercial loans to buy the house. "In fact, the intention is early, but because the middle delay two weeks." Later, the policy of raising down payment and strict two sets of three suites was all out. "Originally thought oneself must be pass commercial loan, but who knows Monday, Zhang Bow received a notice of a state-owned bank, said to apply for the first set of loans were granted down, down payment 20%, loans 80%, interest rate 85 percent." "It was so surprising that the bank gave me the first set of principles that I didn't have a loan record for." "Recognition of the loan opinions April 30, Beijing issued a Beijing version of 12, by everyone called" overwhelming the property market straw. Among them, the most severe is a family limited to the new purchase of a house, as well as the strict implementation of the state issued [2010]10 on the first set and two sets of housing loans and the rate of the first payment of loans, and asked commercial banks according to the risk situation, the purchase of third and above housing.　　But the reporter found in the investigation, because the specific rules are not unified, the banks on the two sets of definitions are also different, and some recognize the house some credit, opinions. Tuesday evening, the reporter to "married man has bought a house, now married want to buy a house in their own name", consulted a number of banks, hoping to know whether this situation is the first set or two sets. In the Bank of China, the reporter got the answer is: as long as the family as a unit, has already owned a set of rooms, and then buy even two sets, the bank will be based on the records of Beijing Housing Authority to strictly lend. In another commercial bank, staff members told reporters, as long as can provide property certificate time earlier than the marriage license time, can be calculated as premarital assets, the new buy house can still be in accordance with the first set of principles of loans.　　Some banks say the first set of two sets of judgments, to see whether the buyers have previously had a loan record, if the man before the whole paragraph to buy a house, the formation of a new family can still be the first set of loans; if the man was a loan to buy a house, then this suite will be considered as the second. In the "husband and wife married together to apply for a loan to buy a house, two people divorced without a family to buy again," before the loan to buy the house has been sold, and then apply for a loan to buy a house "and so on, according to the first set or two sets of calculations, different banks give the standard of determination are not the same。 "From our cooperation banks, so far, are still based on the bank credit system to confirm two or more suites, to the ownership system to check the housing policy has not been implemented, and property rights system, bank credit system, Civil affairs system is not currently connected." "The capital of a security agency in Beijing told reporters.　　According to the Beijing Central Plains Real Estate statistics, the current purchase loan is still mainly the number of loans, the number of home property is not required to declare. Implementation of the way there are four not only to recognize the housing or credit, the major banks are not the same caliber, and even in the beginning of the loan implementation, the current market there are four ways. Kai Sheng exercised customer service staff Miss Zhang told reporters that in the beginning of the loan implementation, there is a total of the time to sign the net, in order to face the signing time, to grant the time and the lending time is quasi four ways.　　In other words, even if some buyers have completed the first set of loans in the bank of the face sign, but if at this time the second House decided that the rules, his condition is considered to do two sets, then, in some of the time to grant loans and lending time for the bank, he will still face the risk of being raised as two suites. Two sets of determination to be unified in April 15 State 10 New deal out of the front, Beijing's definition of two suites has been "whether to use loans to buy housing, and whether the loan has been paid off" credit standards; later, the New Deal stipulates: "Implement differentiated credit and tax policies, recognize the housing does not recognize the loan." Recently, the property market in the transfer, Provident Fund loans to buy a second suite of criteria, has changed from "credit" to "recognize the housing and credit." In this respect, the reporter consulted a number of industry experts, we all pointed out that the so-called recognition of housing and credit, should refer to the real estate ownership system is not recorded in the case, the bank based on its own credit system inquiries to prevent the lack of historical data to invest in housing developers to provide loopholes. However, after all, banking and ownership departments, civil affairs departments are two systems, if there is no CBRC and Beijing jointly issued two suite confirmation rules, unified standards, strict credit policies in the actual operation of the role will be greatly reduced. Zhaoying