The so-called first home loan, second home loan and third home loan, the first unit to buy a house is a family rather than an individual. A family consists of three kinds of people: individuals, spouses and minor children. As long as a family buys one suite, then buying a house is called two sets. The third suite is also a family, and it cannot be proved that it is a second suite. That's the third suite. He said that only by dividing houses, there is a problem of two sets. And "when implementing different mortgage policies, housing is mainly divided", and the new mortgage policy is "limited to housing, not loans".
Appraisal case of the third suite
Situation 1: The wedding room may be listed as three suites.
Many parents are used to adding their children's names to real estate licenses. However, according to the current standard of "recognizing houses and loans" for three suites, the properties owned by children and parents will still be counted as one set. "At present, our verification standard is to look at personal credit records, and the other is to look at the property rights records under the personal name of Shanghai Real Estate Trading Center." The mortgage staff of China Construction Bank Shanghai Branch told this newspaper, "If the children and parents have a house and there is another house in their own name, buying a house is listed as the third house."
What is even more puzzling is that if both men and women share a house with their parents before marriage, should they be listed as the third house when they buy the house again? The reporter called a number of banks in Shanghai and learned that most banks will list this situation as the third property. The mortgage staff of a joint-stock commercial bank said: "Property identification is based on the family and the sum of the property under the names of both husband and wife. Even if neither party has a loan record, it is only the third property according to the housing identification standard. "
However, the mortgage staff of China Bank Shanghai Branch said: "If these two houses were purchased by parents when their children were underage, and both husband and wife have no loan records, they can be treated as the first suite when applying for a house purchase."
Generally speaking, according to the standard of "recognizing the house and recognizing the loan", taking the family as a unit, the loan records and real estate records of both husband and wife before marriage will be superimposed. For example, husband and wife, one party has a house before marriage but no loan record, and the other party has a loan record before marriage but no real estate under its name. When applying for a loan after marriage, it is still regarded as a third suite.
Or one of the husband and wife uses a commercial loan to buy a house before marriage, and the other uses a provident fund loan to buy a house before marriage. After marriage, they want to borrow money in the name of husband and wife. According to the New Deal, although they are all personal loans before marriage, because the central bank's credit information system has records, buying a house in the name of husband and wife will still be counted as three suites.
However, if there is no loan for the property purchased by both parties before marriage, then buying the property before selling is the first set.
Case 2: There is a loan record but no real estate in the name.
At present, when applying for a mortgage, Miss Li has been returned by many banks in accordance with the "three-home loan" standard. "In fact, I don't have a real estate now, which is also the third suite." Miss Li told reporters that in 2002, she bought a property in her hometown in Jiangxi with a commercial loan, but she sold it in 2007. In 2007, she bought another property in Shanghai with a provident fund loan, which was also sold in 2008. However, when she applied for a housing loan again in Shanghai this year, although she was able to provide proof of the sale of the house, she was returned by many banks.
"At first, I thought it was the second set at most, but the central bank's personal credit information system was networked nationwide, and loan records in Jiangxi and Shanghai could be found." Miss Li said that although she doesn't have any property records under her name now, after the bank investigated the personal loan records and property records, it was classified as the third property by taking a larger one.
The reporter called a number of banks and learned that personal loan information can be recorded all over the country in the central bank's personal credit information system. According to the current "loan recognition" standard, both commercial loans and provident fund loans are included. Even if the loans have been paid off in full, the refinancing will be recognized as three sets.
Under the influence of this policy, some improved property buyers are most affected. Many people hope to improve their quality of life by changing "small house" into "big house", but now even if the property is sold, as long as there is a loan record, it is still a set. If it is identified as two sets, then the down payment ratio and loan interest rate will be greatly improved; If you are identified as three sets, you can't apply for a house loan. #p# Subtitle #e#
Situation 3: Foreign real estate has become a "fish escaping from the net"
Compared with the above two situations, people who own real estate in other places but have no loan records may get away with it. At present, the real estate under the name of individuals recorded by local real estate trading centers has not been networked nationwide, so it is impossible to find all the real estate owned by individuals in different regions. A number of banks in Shanghai said, "As long as it is not shown on the list of Shanghai Real Estate Trading Center, it is generally just a record on the list." However, the customer service of Bank of Communications said that in the "three-suite identification standard", the bank will investigate the real estate situation of individuals in other places, but as for the specific investigation methods, Bank of Communications did not make too many specific explanations.
It is understood that although most banks will not conduct too many investigations on personal property records in other places, when granting housing loans to individuals, banks will require individuals to provide "commitment letters" and make written commitments to the houses under their names. If the letter of commitment provided by the customer is found to be inconsistent with the facts, it will be included in the bank's bad records.
However, there are still a few people who own two properties in other places, but have applied for housing loans. Miss Zhao has two properties in Chongqing, one is her mother's and the other is her own. "These two suites are handled by parents' loans. I don't have a loan record. I consulted a number of banks about my situation. If I apply for a mortgage in Shanghai now, I will still apply for the first set. "Miss Zhao told reporters that because she is an adult unmarried, the bank will only investigate her loan and real estate records, and will not investigate her parents' loan and real estate records.
Situation 4: fake divorce really buys a house.
In the face of strict real estate control policies, some couples have come up with the method of "fake divorce and real house purchase". After the divorce, the property belongs to one party, and then the other party applies for a house purchase loan and remarries.
The reporter called a number of banks and learned that if the husband and wife divorce and all the properties belong to the party with the loan record, then the other party's application for a loan does meet the conditions of "no house and no loan", and the re-purchase of a house can be accepted as the first suite. When handling, you need to have a "certificate of no room" issued by the Housing Authority, and you should also bring a divorce certificate and related divorce judgment. From the bank's point of view, "fake divorce" is really difficult to distinguish, and all the materials provided by customers will not show the intention of divorce, so it is difficult to obtain evidence.
However, "fake divorce" still has great hidden dangers. Legally speaking, there is no so-called "fake divorce". Only after completing legal procedures can a real divorce be achieved, and a fake divorce will not be worth the candle. In addition, "fake divorce" also has a great risk of property disputes. For example, at the time of divorce, the property belongs to the wife, and even if she remarries, the property is regarded as the wife's pre-marital property. In this way, for couples whose houses are not registered in their own names, there will be greater legal risks, and it will be difficult to safeguard their legitimate rights and interests in the event of disputes in the future.
The basic policy of folding and editing this paragraph.
Three-suite policy
Since 2009, investment and speculative consumption have caused excessive consumption in the real estate market, tight supply, fanaticism in quantity and rapid housing prices. The residential property of real estate has been downgraded to the second property, and the boiling public grievances have caused great pressure on the decision-making level. This wave of regulation is aimed at real estate speculators who buy multiple suites. "For the purchase of third and above houses with loans, the down payment ratio and interest rate level will be greatly increased"; "Non-local residents who cannot provide local tax payment certificate or social insurance payment certificate 1 year or more will be suspended from issuing house purchase loans"; According to the State Council's requirements, "commercial banks can suspend the issuance of loans for the purchase of third and above houses in areas where the price of commercial housing is too high, rising too fast and the supply is tight", and the policy is very clear and targeted, which is very destructive to real estate speculators, especially those who move around.
The personal loan business manager of a branch of China Construction Bank said that the suspension of the third home loan in the State Council is mainly aimed at the first-tier cities with high housing prices, and Beijing, as a typical representative of the soaring mortgage, will definitely be strictly enforced by banks at the beginning of the policy.
The business manager pointed out that now the bank calls those customers who have bought houses twice, whether or not the loan has been repaid, and then buys three suites. Unless the customer's qualifications are particularly good and the customer accepts high down payment and high interest rate, the bank will consider approval. "This situation is not much."
With the issuance of the "contraction order" of management mortgage, banks are at the cusp of vigorous review by regulatory authorities. The above business manager told reporters that banks are not inclined to do the third home loan business. At present, most banks, especially state-owned banks, will choose to suspend the approval of the third home loan.
Will real estate investors resist the pressure of high down payment ratio and high loan interest rate for the third suite, and still choose loans to buy the third suite or even more suites? An intermediary business person said that with the management's increasing control over the real estate market, those investors have fallen into a dilemma, and the expectation that house prices may continue to fall temporarily "stopped" investors.
Wuhan suspends the issuance of third-home loans: Commercial banks will conscientiously implement the provisions of the central bank and the China Banking Regulatory Commission on the down payment ratio and loan interest rate for households to purchase commercial housing loans, and stop issuing housing loans for loans to purchase third-home and above houses.