Second suite is determined that the family will prevail

According to the Xinhua news agency, China Banking Regulatory Commission, a director of bank supervision Yang Jiacai recently said that the second set of housing standards to the number of houses, family (including borrowers, spouses and minor children) as a unit.　　Reporter 22nd In the interview learned that "to room, family unit" may be the introduction of the two suite of standards related to the basic principles of the relevant provisions. At present, by the Ministry of Housing and Urban and rural construction with the People's Bank, the CBRC's two suite of standards for the formulation is still in progress.　　The CBRC also said yesterday that the standard needed to be formally written and that banks had not yet been formally forced to do so. Prior to the implementation of the two suite standard is usually based on whether the use of loans to buy housing, and whether the loan has been repaid to define, and the brewing of the two set of mortgage enforcement principle is "to room, family as a unit." Industry insiders said that once the "room limit" official documents issued by the implementation of small and medium-sized owners of real estate speculation will be seriously hit, "The National property speculation" phenomenon is likely to become history. The move will make the market's supply of supplies greatly increased, but also inhibits a family of many sets of vacant housing phenomenon.　　At the same time, the "room limit" principle also limits this part of the customer consumption of the current market listings, reducing their use of financial leverage to reinvest the possibility.　　Operational standards will face the problem of identification (reporter Zhang Jiazi Li Huanling) on the second suite of the actual operation, the industry believes that this standard will face the identification problem. Gu Chentian, general manager of fluorescent real estate, said that the family unit is now difficult to verify, because its system has not yet connected with the Civil affairs Department. In other words, if a man and a woman have been married, but the status of marriage in the hukou has not changed, the bank will also be considered as single, the bank can only be audited by the material provided by the buyer.　　Fluorescent real Estate data statistics, this kind of situation has accounted for 10% of the total number of home buyers, many just married couples still as a single home purchase, enjoy the first suite treatment. Zhongyuan Real Estate Three marketing department deputy general manager Gongping said that Beijing's current total housing stock in 8 million sets, according to a 3 calculation, even if the beginning of the new commercial housing, to meet the Beijing people and resident of Beijing's outsiders are enough.　　In addition, the new deal may lay the groundwork for future implementation of the property tax policy. Beijing Wei Jia Chit Investment guarantee Company believes that the standard first need the housing authority and the CBRC and the central bank of the credit system connected to the initial determination of the borrower before the loan name is a real estate; The identification of the married family and other departments of the network can be the personal real situation of home buyers reflected. Finally in the country also needs to form a huge personal housing information network, can let those who play the entire section "banner" speculation in the crowd without hiding. However, the establishment of such a system from the popularization of the policy to the actual implementation will have no small difficulty.