Recognize the room and credit three departments issued the most stringent two suite policy

According to the number of housing units (including borrowers, spouses and minor children), the "Caixin Net" (reporter Bao 4th from Beijing) Housing and urban and rural construction, the People's Bank of China, the CBRC jointly issued a notice,　　To standardize the second set of housing standards in commercial personal housing loans: the number of household housing units in commercial personal housing loans should be determined on the basis of the amount of housing that is actually owned by the family members (including borrowers, spouses and minor children).　　June 4, the Ministry of Housing and Urban and rural construction website issued the "Regulation of commercial personal housing loans in the second set of housing accreditation standards notice."　　The State Council recently decided that households with loans to buy a second home would not be below 50% per cent and that the loan rate should not be less than 1.1 times times that of the benchmark rate, and that the first payment ratio and the interest rate level would be substantially increased for loans for third and above housing purchases.　　About the second suite to determine that the standards are not the same, the Department of Housing and other three departments of the joint notice, the first clear two sets of housing accreditation standards.　　The notice indicates that the local city real estate authorities shall, through the housing registration information system, inquire into the household housing registration records of the borrower and issue the results of the written inquiry upon application or authorization of the borrower. In one of the following situations, the lender shall implement a second (and above) differential housing credit policy for the borrower: the borrower first applies for a loan to purchase a house, for example, in the home registration information system where the family has registered a set of housing (and above); The borrower has purchased a housing (or above) with a loan　　and applying for a loan to purchase a house, 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.　　Where a Non-resident resident who can provide proof of a local tax certificate or Social insurance payment is eligible to apply for a housing loan, the lender carries out a differentiated housing credit policy in accordance with this notice.　　Where a Non-resident resident who cannot provide a certificate of local tax or social insurance payment for one year applies for a housing loan, the lender is executed according to the second (and above) differential housing credit policy.　　The notice also requires that commodity housing prices are too high, too fast, the supply of tight areas, commercial banks can be based on the risk situation and local government policy provisions, the suspension of their housing loans. "Notice" the final request, all localities to the urban Housing registration Information System, in 2010 before the end of the city to establish a basic housing registration information system. The borrower who provides false inquiry information shall be seriously dealt with in accordance with relevant regulations.