Legal basis: Notice on Strengthening Credit Management of Commercial Real Estate
Third, strictly manage housing consumption loans.
Commercial banks should focus on supporting borrowers to purchase the first set of small and medium-sized self-occupied houses, and only provide housing loans to individuals who purchase houses with capped main structures.
Commercial banks should, according to the principle of honesty and trustworthiness, require borrowers to truthfully fill in the loan information related to the purchase of the first home in the housing loan contract. If the first self-occupied house is purchased with a construction area of less than 90 square meters, the down payment ratio of the loan (including local and foreign currency loans, the same below) shall not be less than 20%; Purchase the first set of self-occupied housing with a building area of over 90 square meters in Xing Tao, and the down payment ratio of the loan shall not be less than 30%; If you have used the loan to purchase a house and apply for the purchase of a second house (inclusive), the down payment ratio shall not be lower than 40%, and the loan interest rate shall not be lower than 1. 1 times of the benchmark interest rate of the same grade in the same period announced by the People's Bank of China. Moreover, the down payment ratio and interest rate of loans should be greatly increased with the increase of housing units, and the specific increase rate should be determined by commercial banks independently according to the relevant principles of loan risk management, but the monthly expenditure of borrowers to repay housing loans should not be higher than it.
Commercial banks are not allowed to issue housing mortgage loans whose loan amount fluctuates with the real estate appraisal value and whose purposes are unknown; For the mortgaged property, before the purchaser pays off the loan, no additional loan may be issued with the revalued net value as collateral.
Four, strict management of commercial housing loans.
The commercial housing purchased by the loan shall be the house that has been completed and accepted.
The down payment ratio of the commercial housing purchase loan shall not be less than 50%, the term shall not exceed 10 year, and the loan interest rate shall not be less than 1. 1 times of the same grade interest rate published by the People's Bank of China. The specific down payment ratio, loan term and interest rate level are determined by commercial banks independently according to the relevant principles of loan risk management; When applying for a loan in the name of "commercial and residential dual-use housing", the down payment ratio shall not be less than 45%, and the loan term and interest rate level shall be implemented in accordance with the Provisions on the Administration of Commercial Housing Loans.
Five, strengthen the management of real estate credit.
After accepting the application for loans from real estate development enterprises, commercial banks should promptly inquire about the credit status of borrowing enterprises through the basic database of enterprise credit information of China People's Bank; After the loan application is approved, the relevant information shall be entered into the basic database of enterprise credit information, and the basic information, loan amount, loan term and default of real estate development enterprises shall be recorded in detail.
After accepting the application for individual housing loan, commercial banks should check the borrower's credit status through the basic database of personal credit information of the People's Bank of China in time; After the loan application is approved, the relevant information should be entered into the basic database of personal credit information in time, and the ID number, number of housing units, loan amount, loan term, mortgage situation and default information of the borrower and his spouse should be recorded in detail.