In addition, china securities journal recently inquired about a number of bank outlets in Beijing, and the staff of these outlets generally said that personal mortgages and loans for small and micro enterprises that meet the relevant regulations are handled normally, and the interest rate and lending time have not changed much at present. Beijing multi-department joint inspection of illegal funds into the property market.
Beijing multi-department joint inspection of illegal funds into the property market.
Focus on two aspects of verification.
Beijing's multi-department joint investigation of illegal funds flowing into the property market continues. On February 10, Beijing Banking Insurance Regulatory Bureau and the Central Bank Management Department jointly issued the Notice on Strengthening the Management of Personal Business Loans to Prevent Credit Funds from Unlawful Flowing into the Real Estate Market. The introduction of the aforementioned actions and policies coincides with the rapid growth of the transaction volume of the Beijing property market, and the transaction prices in some hot spots have jumped, and relevant special inspections have attracted much attention.
"Jingfangzi" revealed that before the Spring Festival, the competent authorities conducted a general survey of the transaction cases in the hot areas of the property market since June 25, 65438, and on this basis, they focused on the transaction cases in hot school districts such as Xicheng Financial Street, Dewai, Haidian Wanliu and Zhongguancun.
Due to the illegal entry of operating loan funds into the property market, it is usually the way to buy a house in full first and then mortgage the house for loan. Therefore, the verification is mainly aimed at the recent behavior of buyers and their immediate family members to apply for operating loans in the full purchase.
Jingfangzi disclosed a case in which experts participated in the verification. Someone newly registered a small and micro enterprise last year. A few days after registering the enterprise, he signed a set of second-hand houses in key school districts in Xicheng District online. In the following months, he applied for millions of operating loans from two banks. The inspector screened out the case from a large number of purchase contracts.
After checking the clues, the next practice is to check the flow of operating loan funds in multiple departments.
With the cooperation of banks, inspectors will investigate whether commercial loans are used for normal business operations or flow into the accounts of other shell companies through "false" commercial contracts. Inspectors will "check the flow of all operating loans to the end" and find out where each fund flows every time and where it finally flows. Until it is found out whether it is used for personal purchase. In the end, violators, whether financial institutions, lending institutions or real estate brokers, will be severely punished according to law.
The relevant regulatory authorities made it clear in the notice that banking institutions will severely investigate and deal with the illegal flow of personal business loans into the real estate market due to careless credit management. The joint working group also includes the economic investigation department of the public security, so the "lending institutions" that verify violations of laws and regulations will also be "severely punished".
"Jingfangzi" also disclosed that those who purchase houses in full with normal funds and have not applied for operating loans are not within the scope of verification.
The issuance of mortgage loans remained normal.
According to what the china securities journal reporter learned, the amount of personal mortgage in Beijing is very sufficient, and the time for issuing commercial loans in the near future has been significantly shortened compared with the same period last year. The verification of illegal funds entering the property market has not affected the issuance of personal loans, especially personal commercial loans, and the interest rate and lending time of personal loans have not changed.
A manager of Chain Home Real Estate told china securities journal that since June, 2020 165438+ 10, the speed of issuing pure commercial personal mortgage loans by banks in Beijing has obviously accelerated. "Now after the house is transferred to the bank for mortgage, the loan will be released in 1-3 days, which is very fast. It usually took 1-2 weeks before. We have cooperative relations with more than a dozen banks. The loan amount of cooperative banks is generally sufficient and the interest rate level is stable. All the mortgage interest rates of LPR superimposed base points are implemented. "
Regarding the recent housing price trend in Beijing, Zhang Dawei, chief analyst of Zhongyuan Real Estate, believes that the leverage level of Beijing's overall property market is almost at the countdown level among key cities. On the whole, it is expected that the market will remain stable under a series of regulatory policies.
According to what the china securities journal reporter learned, the hot transactions in individual areas of Beijing do not represent the overall level of Beijing's property market. At present, the actual structural market of Beijing property market is very prominent, and even the differentiation of school districts in the three most popular "East-West Sea" administrative regions is very obvious. Haidian Wanliu, Xicheng Desheng and other hot spots are hard to find a room, and the high-priced school districts reported by the media in the early stage mainly appear in these areas. However, due to the actual implementation of the multi-school dicing policy, the transaction of school districts in many non-popular school districts is actually much more dull than in previous years. And some non-popular, non-school districts even need to reduce prices.
"Real" micro-enterprise loans remained stable.
Will the verification of illegal funds entering the property market affect the issuance of mortgage loans for small and micro enterprises? China securities journal reporter interviewed the business personnel of several outlets, and they all said that at present, the mortgage loans of small and micro enterprises in their outlets are accepted and issued normally, and the preferential interest rate has not changed much, but they will repeatedly emphasize to customers that the loans applied for are not allowed to enter the stock market and the property market.
The business personnel of a joint-stock bank in Chaoyang District told china securities journal that the mortgage loans of its outlets were still accepted normally. When asked whether the recent verification action had an impact on the loan issuance, the staff said that it was no problem to verify whether the recent funds entered the property market, the stock market and other irregularities, and whether the house was used as collateral to apply for loans for companies and enterprises. The lowest interest rate recently implemented by its outlets is 3.85%.
Some media reported that some outlets in Beijing recently raised the operating mortgage interest rate. The person in charge of a bank branch said that this is different from the actual situation, which may be caused by the exhaustion of some low-interest products. He further explained that generally speaking, during the "good start" period at the beginning of the year, banks will launch some products with relatively favorable interest rates. This kind of product has a limited quota and is mainly distributed to high-quality or important customers. "This is not because banks have raised interest rates, but more about quotas. Banks are unlikely to raise interest rates on such products because of relevant inspections. "
The aforementioned person in charge pointed out that supporting the financing of small and micro enterprises and reducing the financing cost of the real economy are the policy requirements of financial institutions, especially commercial banks, at the national level. Therefore, all banks will strictly implement this policy, and grassroots outlets will also strictly implement the relevant policies of the head office and branches. At present, the interest rate of small and micro enterprises operating inclusive loan products is still low, and this trend will continue for some time.
(Original title: Beijing verifies the details of operating loans entering the property market, exposes the compliance of operating loans and mortgage issuance is not affected)