CBRC officials: Two housing units identified by family

The newspaper yesterday, China Banking Regulatory Commission, a director of bank supervision Yang Jiacai Media interview, said that the two housing units for the family to identify, including himself, spouses and minor children.　　The credit registration system of commercial Bank can find out the loan situation, but it is important to judge the housing units mainly by the registration information. The State Council recently issued the "about resolutely curb the rapid rise in the prices of some cities," a clear demand for loans to buy a second housing households, the first payment ratio of loans must not be less than 50%, the loan rate must not be lower than the benchmark rate of 1.1 times times.　　The key to the implementation of this policy is how to accurately determine the two housing units, the notice also requires the Ministry of Housing and Urban construction in conjunction with the People's Bank, the CBRC to establish a second set of housing standards.　　At present, each commercial bank's two sets of mortgage implementation rules are in preparation, commercial bankers said, hope that the regulatory departments as soon as possible on the two sets of housing standards issued by the rules for commercial banks to provide a unified operation guidance, so that can avoid vicious competition between banks, can also ensure the realization of regulatory objectives. Yang Jiacai introduced, the CBRC for real estate loans have more specific operating rules. For the development of loans and land reserve loans to clear "three loans, three hooks" principle.　　"Three does not borrow" refers to the land department confirmed that there are idle land, speculation in the sale of real estate enterprises do not issue new loans, the construction department identified the cover plate reluctant, hoarding property and driving up prices of real estate developers do not lend, to the misappropriation of bank loans to pay the land transfer money. The "triple hook" includes a credit link, a credit link and a mortgage peg.　　The loan linkage refers to the loan according to the evaluation result of the remediation land; construction and loan linkage refers to the loan to be linked to the project under construction, developers use bank loans to build property after the bank to supervise sales; the mortgage hook refers to the loan to be linked with the housing sales, sales in the bank closed operation, with the progress of the sale of housing repayment of the original loan. >> policy interpretation of the housing units do not use the loan as the standard "standard" Yang Jiacai said that the units of the housing is not based on whether the loan has been the standard, even if the first housing is not using bank loans to buy, again buy housing will also be identified as two housing.　　One of the intentions of this policy is to restore the housing properties of real estate, which is a major turning point in the past ten years. "Expert interpretation" Beijing Zhongyuan three-level market research director Dawei said that the second suite to determine the standard tightening, to the room, not limited to loans, which will again blow up the psychological speculation tenants.　　　　This policy changes the face of the expansion of one-fold, but also a very accurate blow to the tenant, it can be said that this is the Ministry of Land, the Ministry of Housing Construction, the third Ministry issued regulation rules, so that the intensity of regulation continue to strengthen the State Council's policy continue to implement. Second suite identified including minor children "determination standard" Yang Jiacai said that the two housing units for the family to identify, including himself, spouses and minor children. The credit registration system of commercial banks may inquire about the lending situation, but to accurately judgeThe room is mainly based on the registration information of housing department. "Expert interpretation" I love my Vice President Hu Jinghui said that a few years ago the housing administration began to carry out the census of housing, but so far the industry has not seen the results of the announcement. So there is no personal housing database is still unknown. Therefore, the family as a unit to determine that there are still difficulties and loopholes. For example, the former party bought the house, the other party did not purchase.　　After marriage did not purchase a house purchase, now it is difficult to be identified.　　The first set of housing sold as a "determination standard" Yang Jiacai said, if the residents need to improve the housing conditions, and has already sold the first set of houses in hand, once again buy a house can be regarded as a house, but the premise is to exclude the existence of speculative housing, later need to issue a housing department, neighborhood or unit certification. "Expert interpretation" I love my Vice President Hu Jinghui said that the first suite has been sold, the easiest way is to issue a housing sale contract. The most bright spot of the regulation is that before the purchase of the people, as long as the purchase is considered a second home purchase, making improvement of housing can not be identified. This is a clear improvement of the standard of home purchase. However, not excluding the rise in prices, the use of the first house sold money, buy a second suite, and so on after the rise in prices and then sell profit speculators. With regard to improving housing conditions, Guangzhou has introduced policies to improve sex housing than the first suite size or the total price is high, only to be identified as improvement. I do not know whether the various places will be issued similar supplementary comments.