Industry personage: Two suite standard still have loophole to drill

The Ministry of Housing, the People's Bank of China, the CBRC three ministries issued the "on the standardization of commercial personal housing loans in the second set of housing standards of notice," clearly stipulates that the second suite is not only to the family as a unit, and the implementation of recognition of the loan and the strict policy (see the report yesterday).　　Industry insiders said, "two suites standard" made clear, but there are still some questions left suspense.　　can be exploited in different places?　　Outsiders are unable to check their home purchases because the housing registration system has not yet achieved national networking. According to the 21st Century Economic report, because of the current domestic civil affairs system, bank credit system, real estate system, asset systems are not connected to each other, it makes the actual operation may appear some evasive behavior.　　Central Plains Property One person has cited the fact that since there is no interconnection within the civil affairs system, the spouses of the central and the African countries may return to their original home and be able to obtain a single certificate of "First Suite".　　The number of family housing is difficult to check? Home Purchase records how to check.　　At present, some areas of housing registration or individual units, unless the husband and wife joint purchase, otherwise can not check a person's home purchase records to know whether their spouses have real estate. In this connection, the notice has the relevant provisions: by the real estate authorities to inquire and issue a written inquiry results, can not be queried by the borrower to submit a family housing in the written good faith guarantee. Integrity Assurance is not true, will be recorded as Bad records.　　The effect of the letter of guarantee is subject to the practice test.　　After the divorce to buy a few sets of housing? Notice that, as long as the property owner has a set of real estate to buy two sets, then a couple of real estate, each accounted for 50% of the property rights, and then divorce, both sides need to buy a house, whether it counts as two sets?　　Fluorescent real Estate general manager Gu Chen days, the policy is not clearly stipulated, but from the common sense should be counted as the first set.　　Is commercial real estate counted? In the past, there was no clear provision on whether commercial real estate, such as personal buyers, was regarded as having a house, and the new rules of 4th were not explained.　　Commercial real estate projects have become a new channel of investment since commercial real estate has not been restricted by the second suite, so the housing market has been depressed by the impact of the deal. (Comprehensive Southern Metropolis Daily Beijing Evening News)