If the husband and wife or family members are co-payers, that's fine, but the product involves unmarried male and female friends, and for a time, the discussion gradually sounded.
What is "Lian Xin loan"
According to the interpretation of Agricultural Bank of China, "Lian Xin loan" refers to the housing loan applied by both parties or one party to enhance the repayment ability, and the income of both parties can be included in the loan calculation.
Simply put, it is the relationship between men and women. Without a license, they can buy a house together and borrow money together to repay the mortgage. Even if the husband and wife or family members are co-payers, this product involves the concept of unmarried boyfriend and girlfriend, so it has attracted more attention in the market.
Yan Yuejin, research director of Yiju Research Institute, said that the Lian Xin loan actually takes unmarried male and female friends as co-borrower, and its purpose is to increase the loan amount of buyers and reduce the risk of loan default.
However, this incident at least shows that local commercial banks have implemented a loose loan policy for the current real estate market transactions.
Recently, some new tricks have appeared in the loan means of commercial banks, such as the "100-year-old loan" to extend the loan age of buyers. In fact, their starting point is good.
From the bank's point of view, the current loan amount of commercial banks is sufficient, and both the loan interest rate and loan conditions are relatively loose. Increasing support for real estate market transactions is conducive to promoting the stable development of the real estate market.
From the perspective of some property buyers, it is understandable that young people want to borrow more money when buying a house together.
But the crux of the problem is that some loans are too large, and they also deviate from the traditional understanding of mortgage loans, so it is easy to attract everyone's attention.
"Especially unmarried male and female friends as co-payers, if the object breaks up or has emotional problems, then there are certain problems in this repayment method." Yan Yuejin said that the key is to prevent contract disputes and defaults in the middle, which will eventually lead to loan defaults.
Wang Xiaoyu, chief analyst of Zhuge Housing Search Data Research Center, also said that because male and female friends pay more attention to emotions and have no legal relationship, if there is an emotional dispute in the follow-up, there is a greater probability of loan default.
Facing Xiong' an buyers
According to reports, "Lian Xin Loan" is a special product of China Agricultural Bank, and it is not just launched now.
As early as 20 18, Suzhou Agricultural Bank released this product (Lian Xin loan: signed a declaration of love relationship, with intention to get married, one party can choose to apply for a housing loan, and the other party can participate in joint repayment).
However, the background of the real estate market was different at that time. In 20 18, the mortgage interest rate was still rising, but now the mortgage interest rate has reached a historical low.
In addition, the projects and customers involved in "Lian Xin Loan" are also limited.
This product is aimed at Huawangcheng, the first commercial housing project in xiong'an new area.
Flower King City Sales Office Image Source: Economic Observer
According to the Economic Observer, the sales staff of Huawangcheng introduced that there are only three types of people in Xiong 'an who can buy a house. The first category is the first batch of central enterprise headquarters, universities and hospitals that moved from Beijing to xiong'an new area; The second category is the employees who have been relieved to Xiong' an by the secondary subsidiaries of central enterprises; The third category is the personnel of other relief enterprises and service enterprises in xiong'an new area.
To get the qualification to buy a house in Xiong 'an, in addition to the above conditions, you must also meet any of the following five conditions: Beijing hukou, settlement of xiong'an new area points, Xiong 'an talent card, talent certificate issued by the unit, and five-year social security for the new district.
According to xiong'an new area's purchase restriction, all eligible buyers can only own one house in xiong'an new area. Before buying a house, they need to issue a certificate that there is no room in the new district. The minimum down payment for all commercial houses is 20%. In the actual purchase process, the mortgage bank will review and decide according to the credit status of the buyers.
In this case, Agricultural Bank of China launched "relay loan" and "associated loan" for commercial loans of Xiong 'an property buyers.
However, Wang Xiaoyu reminded that for the lenders themselves, if there is a subsequent emotional dispute, it will be difficult to divide their respective obligations, which will also bring them more trouble. Men and women are advised to use related loans cautiously when lending.
Yan Yuejin said frankly that in practice, not to mention the fake relationship between men and women, even the operation of fake marriage exists. And how to prove that it is a relationship between men and women, at most, write a letter of commitment when reviewing housing credit. However, judging from the current marital status of buyers in China, there are only several kinds of certificates, such as single, married and divorced, and there seems to be no inquiry channel for identifying male and female objects.