Notice on standardizing the standard of two housing units in commercial personal housing loan

Provinces, autonomous regions, municipalities, separately listed cities and provincial capitals (capital) urban housing urban and Rural construction office (building project, Housing Bureau), the People's Bank of Shanghai headquarters, branches, business management department, provincial capital (capital) City Center branch, deputy provincial city center branch, the CBRC, the state-owned commercial banks, joint-stock commercial China Postal Savings Bank: In order to implement the State Council's decision to resolutely curb the excessive rise in prices in some cities (Guo (2010)10), the standard commercial personal housing loans in the loan applicants (hereinafter referred to as borrowers) the second set of housing standards, the relevant matters are notified as follows: The number of household housing units in a commercial personal housing loan shall be determined according to the actual amount of housing owned by the family (including the borrower, spouse and minor children, hereinafter). Second, the borrower's application or authorization, municipalities, listed cities, capital (capital) city and other urban real estate departments with the query conditions should be through the housing registration information system for the borrower's family housing registration records inquiries, and issued a written inquiry results. If the results of a family housing registration inquiry cannot be provided by the local temporary lack of a query condition, the borrower shall submit the family housing to the lender with a written credit guarantee. If the lender has verified that the credit is untrue, it should be recorded as a bad record. In the case of one of the following situations, the lender shall implement a second (and above) differential housing credit policy for the borrower: (a) The borrower first applies for the use of loans to purchase housing, such as in the Home registration information system (including pre-sale contract registration systems, hereinafter) the family has registered a set of (and above) housing (ii) The borrower has purchased a housing (or above) with a loan, to apply for a loan to buy a house; (c) The lender is satisfied that the borrower's family has a set of housing (or above) by means of a due diligence investigation in the form of a search for a credit record, a face test, an interview, etc. If the Non-resident resident who can provide proof of local tax certificate or social insurance payment for more than 1 years applies for the housing loan, the lender will implement the differential housing credit policy according to the third article of this notice. For non-local residents who are unable to provide proof of local tax or social insurance payment for more than 1 years, apply for housing loans, lenders to the second (and above) differential housing credit policy implementation; Commodity housing prices are too high, too fast, the supply of tight areas, commercial banks can be based on risk conditions and local government policy provisions, To suspend the granting of housing loans. All localities should make the construction of urban housing registration information system as an important work of the implementation of the (2010)10 document. Incomplete data city, to further improve the system, not yet set up a housing registration system of cities, to speed up the construction. The Housing registration information system should be basically established in each district before the end of 2010. We should strengthen the management of housing information query. The real estate competent department should strictly follow the "temporary measures for the registration of housing ownership" (building (2006)244) and the "Housing Registration book management" Trial measures(Build the housing (2008)84 number) to inquire, and produce the written inquiry result.　　To provide false inquiry information, according to the relevant provisions of serious treatment. People's Republic of China Ministry of Housing and Urban and rural Chinese Banking Regulatory Commission May 26, 2010