Property market regulation: Improving the disappearance of the second suite of standards to be determined

Xiangjian recently, the state-intensive introduction of a number of property control measures. From raising the down payment ratio and the loan rate of two suites, to speed up research and development of housing tax policy, some areas can be limited to buy more than one suite, and then to commercial banks can suspend the distribution of some cities to buy a third and more housing loans, this series of measures aimed at curbing investment and speculative demand, raising the threshold of housing credit, so that people on the property market　　Cooling is full of anticipation.　　In anticipation of regulatory effectiveness at the same time, the market is also waiting for the second suite to determine when the standard to be released.　　Second suite of standards to be determined 17th issued the "State Council on the promotion of stable and healthy development of the real estate market notice," stressed that the housing and Urban and rural Ministry of Construction and the People's Bank, the CBRC to establish a second set of housing standards.　　The standard of the second suite is defined as the focus of the market. It is noteworthy that the Ministry of Finance, the State administration of Taxation March 9 issued a joint "on the first purchase of ordinary housing related to the policy of the deed of the notice" clear: two or more than two individuals to purchase 90 square meters and the following ordinary housing, one or more people have a home purchase records,　　The common purchasers of this set of properties do not apply the preferential tax policy for the first purchase of ordinary housing.　　Finance and Taxation departments issued the notice of the background is because the finance and taxation department has not clear the concept of first house purchase, some areas will have a real estate after the first group of buyers to buy a house as the first purchase, relaxed the scope of this policy.　　In the State Council in early January, "on the promotion of stable and healthy development of the real estate market notice," the second set of housing standards for the family as a unit, including borrowers, spouses and underage children.　　Lineage to family?　　Zhongyuan Real Estate North China regional general manager Li Wenjie yesterday to the "First financial daily" reporter said, in fact, since 2007, the central bank and the CBRC has been the number of households as units and loans to determine the standard two suites, I believe this will be followed down. In December 2007, the People's Bank of China and the CBRC jointly issued the supplementary circular on strengthening the management of commercial real estate credit, and made it clear that the second suite is based on the family (including the borrower, spouse and minor children), the family that has used the bank loan to purchase the housing,　　are also in accordance with the second Mortgage policy implementation (the borrower household per capita housing area below the local average level, again to commercial banks to apply for housing loans, except). Another point noteworthy in the State Council's 17th notice is the disappearance of the reference to "improved housing".　　In December 2008, the State Council made it clear that loans to buy a housing, but per capita housing area below the local average, and then apply for a loan to buy a second set of housing to improve the living conditions of the residents, comparable to the implementation of the first loan to purchase ordinary home housing preferential policies. Li Wenjie that at that time, "improved housing" is mainly to deal with the special financial crisis, the disappearance of this concept or means that "improved housing" will also be as twoSuites implement credit policy. According to industry sources, since the beginning of February this year, many local commercial banks have been abolished the "improvement of housing", for all of the two suites equal, down payment of 40%, the interest rate strictly according to risk pricing.