Second Suite accreditation standard change recognition room not credit

Second Suite The standard of determination is expected to make a major change, the "bank credit record is subject to" to "the borrower actually holds the number of housing." The first financial daily learned yesterday that the CBRC was conducting a mapping on the implementation of the new deal for the two suites of banks. One authority said the decision makers tended to be judged by the strictest two suite, that is, the actual number of houses the borrower holds, rather than the current bank credit record. "Therefore, the information related to the supervision of the House, the need for the Ministry of Housing to give a clear determination, the bank is in the implementation level."　　Yesterday, Yang Jiacai, a director of China's Banking Regulatory Commission, confirmed the news when he was interviewed by CCTV. If this is the case, it can be understood that the standard has become tighter--whether there is no loan, as long as there is a set of rooms on hand, the loan to buy a house is considered to be the purchase of two, on the other hand, the standard can also be said to be more loose, because at present, many banks do not have to have no room for two suites to determine the basis, but the number of loans to　　As long as the previous loans to buy Fang, even now sold, and then loans to buy a house is also considered to buy two suites. The CBRC investigated two mortgage loans in the 14th of this month, two suites loan down at least 50%, the interest rate of not less than 1.1 times times after the introduction of the policy, the main commercial banks in succession according to the new regulation of two sets of mortgages.　　However, the specific implementation of the rules of the formulation, the "wait-and-see" Atmosphere is strong, wait and see the core problem is the second suite standards. A joint-stock bank related personage expresses, hoped the competent department regarding the second suite determination standard and so on rules question, provides the bank to provide the fair consistent operation scale.　　It is understood that the CBRC is currently investigating this. The standard of the second suite is an urgent problem to be solved in the implementation of differential loan policy. At present, the bank widely accepted as the family as the second suite of the scope of recognition. "Both spouses include underage children, as long as one party has a mortgage record in the central bank credit system, and whether or not the loan has been repaid, it is treated as a two suite."　　Said a loan officer from the Bank of China. But for "improved housing", the regulatory layer has never made a clear statement.　　In January this year, the State Council issued a tightening of two sets of loans, "improved housing" from the document disappeared. Although the two sets of mortgage implementation details have not been announced, but the banks have begun to take "new and old" way to strictly enforce the new rules of mortgage. "Before 14th, the mortgage contract, according to the old policy implementation; After 14th, the implementation of the new Deal."　　"The above-mentioned joint-stock bank related personage says. Multi-Ministry officials interpret the property market regulation yesterday evening, the property control of a number of ministries to visit CCTV "Property new Watch" program, interpretation of the recent introduction of the real Estate series of regulatory policy.　　The Ministry of Land and Resources yesterday also issued a special notice "Stay tuned".　　For "Commodity housing strictly implement real-name real estate purchase, the subscription must not be changed without permission to change the names of buyers" This provision, housing construction Department of the property market supervision director Shen Jianjong said in the program yesterday, this is to protect the property of consumers, the second is to prevent speculation in the building. Beijing Zhongyuan Three market research department also believes that this policy makes speculationThe phenomenon of the auction will be put an end to the subscription agreement signed to actually get the room this general need for more than 1 years, and once the policy card strict, prohibit the name of the house, will make speculation of housing speculators may be greatly reduced, in favor of the commercial housing market to remove the hype.　　For cover plate reluctant, Shen Jianjong think, in real estate prices rise, they (development enterprise) will take a variety of means to cover disk reluctant, the Department of Housing construction according to local experience and existing laws and regulations made some provisions to prevent enterprise illegal operation. Land Use Division director Lio Yonglin said in the program yesterday that the Ministry of Land has increased the supply of housing this year, will help real estate development enterprises to obtain land, conducive to stabilizing market prices.