Second Suite decided to look at the room does not see the loan

Buy a house without a loan to buy also count two sets of the newspaper (reporter Lianying Xiong) Banking supervision, a director Yang Jiacai yesterday in interpreting the concept of the second suite, stressed that the new mortgage policy is based on the number of houses to determine whether the second set, the third set, at the same time, to determine the scope of the family as a unit. In the "Country 10" mortgage New deal before the introduction of the second suite of standards is "whether to use loans to buy housing, and the loan has been paid off." Yang Jiacai points out that the new Deal's two suite will be "limited to the house, not the limit." Housing units are family rather than individuals. Family by oneself, spouse, minor children, a family as long as the purchase of a house, and then buy a house is called two sets.　　The third suite is also by family, can not prove to be two suites, that is the third suite. In the identification of institutions, Yang Jiacai said, as long as any loans have been made through the National Bank Information Network to verify.　　No loans to purchase, a family house of the main units by the Housing Department to identify. The industry view further blows the house to fry the tenant Beijing Zhongyuan Three market Research department Dawei that the second suite is limited to the room, does not limit the loan, will further crack down on the tenant. "For homeowners who need improvement, as long as they sell the only house, they can buy the first package, and the first suite has to be sold at a preferential rate, a move that has curbed a family's vacant housing."　　"It is understood that the first suite of the total purchase ratio has now reached 50%, in particular, before the 2005 more than 80% for the entire purchase, this part of the face of the re-purchase or upgrade to live, because this policy will bring a large number of listings, but also limited this part of the customer consumption of current market listings, the use of financial leverage investment may. Dawei said that Beijing's current total housing stock in about 8 million sets, according to a 3-person calculation, even if the current start not to build new commercial housing, to meet Beijing people and resident of Beijing's outsiders are enough.