Interpretation of the second suite of new standards for home purchase policy changes will be counted two sets of mortgage

(Reporter Tian Guidan intern Yang Qiuoing) A few days ago, the three ministries issued two suites to determine the standard, all over the commercial personal housing loans, the number of households in the household should be based on the family members, including the borrower, spouse and minor children actually have a complete set of housing quantity to determine. Yesterday, Guangzhou City real estate experts said that the standard formally issued, than the current Guangzhou actual operation of the "credit" more stringent. Therefore, the Guangzhou property market "was overweight", short-term property market is definitely bad. Guangzhou property market volume is expected to shrink again and trigger a downward price. The most noteworthy is that the second suite to determine the criteria that can not provide more than 1 years of local tax certificates or social insurance payment certification of non-local residents to apply for housing loans, the lender according to the second and more differentiated housing credit policy implementation.　　This means that the first time buyers buy gold SHA Chau Plate is located in Foshan Land property, may also be identified as two suites. According to the Guangzhou of the Blue Book, from the current Guangzhou of the structure of housing buyers, Guangzhou home buyers accounted for the total number of 60%,40% non-Guangzhou household registration of the housing population is a large number of permanent residents.　　According to the introduction, because there was no request to provide tax proof, so the 40% of non-household housing buyers in the number of people will be affected by the new regulation is not good to predict. Jin Sha Chau plate affected Zhongyuan Real Estate project manager Huang said that the gold Sha Chau plate located in Foshan Land property by the provisions of the impact may be larger. At present, a lot of Guangzhou people go to Jin Sha Chau to buy a house, the purchase of Foshan land, but can not provide a tax certificate in Foshan, so even the first home purchase may also be counted as two sets of mortgages.　　If it is a second set of home ownership, then the Gold Sha Chau Plate in Foshan land may also be parked on loan. The new standard is not loose at all but there are also doubts the voice said, compared to the previous State Council "new Country 10", determined that the standard for the foreign purchase loan restrictions have been relaxed. In accordance with the "new country 10" requirements, "to provide more than 1 years of local tax certificate or Social insurance payment certificate of non-local residents to suspend the purchase of housing loans."　　"This was unanimously understood by the industry as the most serious blow to the speculative" speculation ". Does this mean that the housing policy is "loosening", from a moratorium on lending to a second-suite policy? The answer given by many bankers is negative.　　The head of the personal credit department, a large state-owned bank, said the policy fine-tuning was more about the real need for people to live in a different place, because it was already a high cost for speculators to have a 50% down payment and 1.1 times times the interest rate.　　Are you two suite?　　1. Loan bought a house, through the housing registration system can be queried to the real estate, and then loan to buy a house, count two sets.　　2. Loan bought a house, later sold, through the housing registration system can not find the property, but in the bank credit system to find the loan records, and then loan to buy a house, count two sets. 3. The whole purchase of a set of rooms, and then sold, the housing registration system can not find real estate, loan to buy a house, not count two sets。　　4. The whole purchase of a set of rooms, through the housing registration system can be queried to real estate, loans to buy a house, count two sets. 5. The local temporary does not have the housing registration system's inquiry condition, the bank due diligence verification has already set up the housing, buys the house to calculate two sets.