Three departments of the notice clearly by the family members of the number of houses identified two suites

-This reporter Zhangxiaosong Duyu housing and Urban and rural Ministry of Construction, the People's Bank of China, the Chinese Banking Regulatory Commission issued a notice of commercial personal housing loans in the second set of housing accreditation standards have been standardized.　　This is the reporter 4th from the Housing and Urban and rural Ministry of Construction learned.　　The notice stipulates that the number of household housing units in commercial personal housing loans shall be determined on the basis of the amount of housing that is actually owned by the family (including the borrower, spouse and minor children). In one of the following situations, lenders should implement a second (or more) differential housing credit policy for borrowers: the borrower first applies for a loan to buy a house, such as in the Home registration information system (including the pre-sale contract registration systems) where the family has registered a set of (and above) housing　　, the borrower has used the loan to purchase a set of (and above) housing, and apply for a loan to buy a house, the lender through the inquiry credit records, face test, interview and other forms of due diligence investigation, convinced that the borrower's family has a (and above) housing. Where a Non-resident resident who can provide proof of local tax certificate or social insurance payment for more than 1 years applies for a housing loan, the lender shall carry out the differential housing credit policy according to the above provisions. For non-local residents who are unable to provide proof of local tax or social insurance payment for more than 1 years, apply for housing loans, lenders to the second (and above) differential housing credit policy implementation; Commodity housing prices are too high, too fast, the supply of tight areas, commercial banks can be based on risk conditions and local government policy provisions,　　To suspend the granting of housing loans. To resolutely curb the excessive rise in housing prices in some cities, the State Council recently decided that the first payment ratio of households with loans to buy a second housing should not be less than 50%, and that the loan rate should not be less than 1.1 times times that of the benchmark rate; for loans to buy third and above housing, the first payment ratio