Limited purchase in Shenzhen has been identified as a blind spot

After the implementation of the new deal, the demand for home buyers issued unmarried proof reporter Xu Weichang reporter Zhuwen Intern Jianyan to single name application for housing, will likely be the bank requirements issued unmarried proof. Before the festival, Shenzhen municipal government issued the most stringent property market regulation policy, from yesterday to work in Shenzhen, the banks began to implement and implement.　　Since the previous banks have stopped three sets of mortgages, so the current adjustment space is not large, but in the "family identification", "marriage cognizance" and so on have encountered specific implementation difficulties. The Shenzhen government issued stricter restrictions on purchases the day after the national "limit Loan order" was issued in the country to park the third suite of loans. But Banks said the rules were less restrictive than in the past.　　CCB related Personage said, because the bank has already stopped three sets of mortgages, therefore the rule in the household registration family limit buys two sets of standards is consistent, but for the rationed purchase a set, because the bank loan record already achieved the national networking, therefore can grasp the related situation in the approval. Reporter in Shenzhen real estate Rights Registration Center to understand, in order to tie in with the implementation of the purchase order, the center has posted a notice yesterday, requesting the transfer formalities of the public, truthfully fill in the Family Status Declaration form, and submitted a marriage certificate, unmarried certificates, divorce certificates and other five new materials, otherwise not transfer　　A total of two forms in the family Membership Declaration form, table one mainly for home buyers family information, including buyers, marital status, spouse, underage children, domicile, housing and other information, table two mainly for the purchase of parents and brothers and sisters information, including parents, brothers and sisters ID card, domicile location and other information.　　Question parents have two sets of house female purchase calculate three sets? Reporters to the banks to understand that the current implementation of the policy, for a few suites are based on the family as a unit to determine, but "family recognition" has become a common problem for banks. Since the bank approval is not connected with the household registration, there is still a lack of uniform standards and basis for the determination of family members. If the parents have bought 2 sets of housing, the children have grown up, if the other purchase life, will encounter a limit of three suites.　　For how to define, several banks said there is no specific provisions.　　A man and a woman get married and buy three sets of rooms? "Marriage cognizance" is another problem that many banks encounter. A commercial bank credit manager introduced, if both sexes have already bought a set of property, now married to buy a set, such families will have a third suite, inconsistent with policy requirements. But in the current approval most banks are unable to determine the marriage, so it would be thought that the second suite approved.　　But reporters learned yesterday from the bank's headquarters that since October they had asked clients who applied for a single name to open an unmarried certificate to get a loan to plug the loophole. "Transitional clients" lending standards vary as the national and Shenzhen policies in the first consecutive, and after the implementation of the period, before the application for the "transition" customers how to define the standards of the banks are also different. Shenzhen Bank List, if the loan application has been accepted and approved by September 30, and is in accordance with the relevant conditions of the loan and 20% down payment terms (the first purchase and the building area below 90 square meters), but due to the reason of the bank is not issued in time, BOC will still be issued according to the 20% down payment. However, the head of the Shenzhen Development headquarters said that with the lending as a standard, even before September 30 has been accepted and approved, but no loans to customers, will be in accordance with the new policy standards after October to implement.