No mortgage, no credit, no investment, no more punches.

The Ministry of Housing and Urban and rural construction, the People's Bank of China and the Chinese Banking Regulatory Commission issued a circular to standardize the second housing accreditation standards in commercial personal housing loans. Xinhua Beijing, June 5 (reporter Lo Yufan) has long been brewing commercial personal housing loans in the second set of housing standards finally have a clear result.　　Recently, the Ministry of Housing and Urban and rural construction, the People's Bank of China, the Chinese Banking Regulatory Commission issued a notice to the commercial personal housing loans in the second set of housing accreditation standards have been standardized. According to the notice, the number of household housing units in commercial personal housing loans shall be determined according to the actual amount of housing owned by the family (including the borrower, spouse and minor children).　　This marks the "recognition of the House does not recognize the loan" of the two Suite accreditation standard officially started. In April this year, the State Council issued a circular on resolutely curb the excessive rise in housing prices in some cities, has clearly called for stricter differential housing credit policy. For families with loans to buy a second home, the ratio of first payment to loans must not be less than 50%, and the loan rate must not be less than 1 of the benchmark rate. 1 time times; for loans to buy the third and above housing, the loan first payment ratio and the loan interest rate should be greatly increased, specifically by the commercial banks in accordance with the principles of risk management independent determination.　　The standard of the two sets of housing by the Ministry of Housing and Urban and rural construction with the People's Bank, the CBRC to draw up. As early as the middle of April, the CBRC has revealed the three departments to jointly formulate the two-suite standard of the main principles-"limited to the house, the family unit." The three departments of the joint dispatch will formally translate this principle into concrete standards and measures.