Two suites of the bank to determine the implementation of the Beijing version of the strict

Every reporter Zhang from the Beijing mortgage regulation of every detail can touch the market sensitive nerves, and on the second suite to determine the standard strict, specific standards are being developed news again focus on the market vision. Recently, the Housing and Urban and rural construction Ministry for the first time "room" and "credit" combined to identify, and this than before the "recognition of housing loans" more stringent.　　It is reported that the second suite of "Recognition room and credit" standards or the recent introduction, and the Beijing Municipal construction is currently working on the establishment of the two suite of rules, the guiding principle is "room-oriented to lend as a supplement." After the daily economic news reporter investigation and interview found that the current banks for the two suite of standards are not the same, however, whether the "house" or "credit", most of the bank mortgage owners said, compared to the government before the regulation of the standard, the second suite of the determination has been strict many, to two sets of mortgage specific standards issued after the　　This will be done in conjunction with the executive details of the headquarters. The second bank of the two banks decided not to unify April 14, the government played a heavy blow to regulate the property market, at the holding of the State Council executive meeting, asked for loans to buy a second housing households, the first payment must not be less than 50%, the loan rate must not be less than 1.1 times times the benchmark rate.　　Analysis of the industry, the full tightening of the two sets of mortgages, so that the standard of the two sets of mortgages again attention.　　Reporter to the identity of home buyers to a number of banks to find, in the "room" or "credit" choice, the current banks for the two suite of standards are not the same. "We are currently in accordance with whether the customer has a loan to determine whether the second suite."　　"CCB branch of a credit business manager pointed out that, because the house of the units required by the real Estate Management department of the housing registration system inquiries can be identified, and the branch network Network system is not yet mature, so temporarily or whether the loan to buy a house to determine."　　At the same time, the manager told reporters that if the customer has used a loan to buy a set or more housing, and apply for a loan to buy a house, regardless of whether the previous loans paid off, are identified as the second and above housing.　　China Merchants Bank, the head of a business net, said in an interview with the Daily economic news, the point of view of the second suite of standards is based on the provisions of the CBRC, that is, "recognition of the House does not recognize the loan", if the housing registration system to find that the customer has registered housing, the customer loan purchase of housing is the second suite. Coincidentally, Beijing Bank Xidan Branch Personal Business department head to the reporter pointed out that the bank is currently also to whether there is a room for the second suite of the determination criteria. "If we can find out that you have a home in the credit system, then you have to go to the second mortgage business Standard to buy a house."　　"The reporters found that the answer to the question of whether to sell the house that had been loaned and to buy it as a second suite was different. The CCB loan business manager and the owner of the Bank of China Merchants told the news that this situation is still counted as the second set of mortgages, and Beijing banking personnel to reporters that if the house sold with the transfer procedures, to the bankIf the relevant transfer certificate, the loan to buy a house is still regarded as the first suite. A joint-stock commercial bank in charge of the department told the "Daily Economic news" reporter, because the second suite has not been the standard of refinement, the banks according to their own situation to determine is normal, and "to room" or "to lend" as the criterion of the determination of the method itself is not contradictory.　　Compared to the previous two suites to assume that the bank always play "edge" phenomenon, the banks are also in strict, standardized implementation.　　Beijing version of the "second Suite" strict May 7, housing and Urban and rural Ministry of Construction Deputy minister Vice-Minister said, for the second housing how to identify, the department is working with the People's Bank, the CBRC in the research and development. At the same time, there is news that the Beijing municipal construction of the construction of the building is currently two suites to determine the rules, the guiding principle is "room-oriented to lend as a supplement."　　Second Suite The strict news once again let the market feel the government's determination to control the property. April 21, Yang Jiacai, director of banking supervision of the CBRC, said the second set of housing standards is limited to the number of houses, family units, and no longer the bank credit record.　　And in the "State 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." "The above is studying the establishment of two suite of standards, certainly more stringent than now." "The above-mentioned joint-stock Commercial Bank loan department head to the reporter pointed out that the Bank mortgage business departments are aware of the same two suites to determine the standard of the situation."　　After the uniform standard is promulgated, the Business Department will carry out the corresponding rules issued by the headquarters.　　Vice-Minister said that the State Council related documents policy is high prices, rising too fast, the supply of tension areas proposed, if necessary, the Housing department in conjunction with the relevant departments to announce high prices, rising too fast list of cities. In this regard, the industry pointed out that the Government's efforts to regulate the property market is still strengthening, at the same time, the government requires all localities will be combined with local conditions, the implementation of the relevant rules, the mortgage business is expected to introduce the details of the company.