Multiple departments are studying the development of a second housing accreditation standard

May 7, 2010 15 o'clock, Vice-Minister, Deputy Minister of Housing and Urban Construction, accepted an interview with the Chinese government on "resolutely curb the excessive price rise in some cities, promote the improvement of people's livelihood and economic development" to read and answer questions from netizens. [Netizen Eillen] excuse me: How to determine the second housing?　　When will the standard be issued? [Vice-Minister] The second set of housing standards, the State Council has clearly stipulated that the Ministry of Housing and Urban construction in conjunction with the People's Bank, the Banking Regulatory Commission to draw up, we are actively studying the formulation. I understand that in the personal housing loan, the household units of the households should be based on the borrower in the home registration information system, his family, including himself, the spouse and their minor children under the name of all the housing registration records and other relevant information to do the determination.　　Since there are some urban housing registration information system is not perfect, so in the actual operation, but also need additional information as a supplement. The lender carries out a second and second set of differentiated credit policies for the borrower in the following cases.　　In the first case, for the borrower to use the loan for the first time to purchase housing, if the home in the home registration system, including pre-sale contract registration and filing system, the family has registered a set or more housing, his loan to buy housing must be the second or above housing.　　In the second case, the borrower has already used a loan to buy a house or more, and has applied for a loan to buy a house. In the third case, the lender is assured that the borrower's family already has one or more homes, through inquiries into the form of the inquiry. This is largely a matter of dealing with the credit system, in our housing registration information system, and sometimes not covering all family members. However, through surveys such as family visits, it is believed that borrowers have more than one set of housing, in which case the loan should be carried out in accordance with the second or above. There are other things that we are studying.