Two sets of mortgage determination standards fundamentally subversive

CBRC officials said that the new mortgage policy is no longer determined by the loan records, but the number of homes owned by households to determine whether the second set, the third set of banking supervision of the CBRC Yang Jiacai 21st in an interview with reporters, read the latest mortgage New deal. He stressed that the new mortgage policy is to determine whether the number of housing is the second set, the third set, at the same time, to determine the scope of the family as a unit.　　This with the previous implementation of the two suite determination standards have undergone a fundamental change. The house is not based on loan records to determine the "Country 10" mortgage New deal before the introduction of the second suite of standards is "whether to use loans to buy housing, and whether the loan has been paid off." Yang Jiacai points out that the new Deal's two suites will be "limited to the house, not to the limit." The so-called a set of mortgage, two sets of mortgages, the first purchase unit is the family rather than individuals. The family consists of three kinds of people, I, spouses, minor children. A family just buy 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. He said that only by dividing the room, there is a set of two sets of problems.　　and "The implementation of differential housing policy, the main housing division." According to Yang Jiacai introduction, the House of the units need to be the real Estate Management department of the Housing Registration system for inquiries, by its identification.　　In addition, the bank in the personal housing mortgage loans, but also need to strictly carry out interviews, face sign, door-to-door visit procedures. April 14, the State Council issued a notice to require two sets of mortgage payment is not less than 50%, 1.1 times times the interest rate; three or more rooms can be stopped and Lent. Yang Jiacai pointed out that from the whole new deal, the policy starting point is that the home has its own house, a set of living is enough, a person does not need to live two sets.　　The real estate Mortgage loan only supports the housing capital demand, but cannot support reselling the housing capital demand. Development loan and Land reserve loan "three not loans" Yang Jiacai revealed that at present, the CBRC for the development of loans and land reserve loans clear "three not to lend" principle. For the Land Management department to investigate and confirm that there are idle land, speculation of the real estate enterprises, not to issue new loans; for the housing construction department to investigate and identify the cover plate reluctant, hoarding houses, driving up the price of real estate developers no longer give loans, to the misappropriation of bank loans to pay land transfer, that is, to participate in the auction hanging make deposits,　　And then pay the land listing, no more loans. In addition, for land reserve loans, the CBRC also requested that the mortgage-linked, credit-linked and housing loans linked. "What land you are renovating, after the assessment, how much you have to loan, called Land loan hook." Follow the whereabouts of this place, where the loan is received; the second is to build a loan hook, the real estate business to borrow, must be linked with the construction project, and then use my money to build up this property, to supervise your sales; another is the mortgage hook, is the house and the loan hook, you sell me to implement closed operation, To open a bank account, you have to repay your original loan with the progress of selling the house, "Yang Jiacai explained.