Identification standard

(a) the borrower applies for a loan to buy a house for the first time, and his family has registered one or more complete sets of housing in the housing registration information system (including the pre-sale contract registration and filing system, the same below) where the proposed house is located;

(two) the borrower has used the loan to buy a set (or sets) of housing, and applied for a loan to buy housing;

(3) The lender is convinced that the borrower's family already owns a house (or above) through due diligence in the form of credit record inquiry, face-to-face test and interview (home visit when necessary);

(4) For non-local residents who can provide local tax payment certificate or social insurance payment certificate 1 year or more, the lender shall implement differentiated housing credit policy according to Article 3.

For families who borrow money to buy a second home, the down payment ratio is not less than 60%, and the loan interest rate is not less than 1. 1 times of the benchmark interest rate. Branches of the People's Bank of China may, according to the new housing price control targets and policy requirements of the local people's government and on the basis of the unified national credit policy, increase the down payment ratio and interest rate of the second set of housing loans. Strengthen the supervision and inspection of commercial banks' implementation of differentiated housing credit policies, and deal with violations seriously.

Extended data

exert influence on

1, the second suite policy accurately curbs investors.

Provincial capital industry insiders pointed out that the introduction of standards will make investors flinch from the property market. In order to avoid accidental injury, improved property buyers should postpone the purchase time appropriately, and it is not too late to wait until the relevant policies are clear in August and September.

2. The second suite "recognizes the house and recognizes the loan"

According to the new regulations, three situations will be recognized as two suites: the borrower applies for a loan to buy a house for the first time, and his family has registered one or more complete sets of housing in the housing registration information system (including the pre-sale contract registration and filing system) where the proposed house is located; The borrower has used the loan to purchase more than 1 house (inclusive) and applied for a loan to purchase the house; The lender is convinced that the borrower's family already owns a house (or more) through due diligence in the form of credit record inquiry, face-to-face test and interview (home visit when necessary).

It can be seen that the new second suite identification standard is more stringent. Previously, the identification of "second suite" by banks in our city was based on the national online loan record. As long as there is a bank loan record, it is regarded as a second suite. According to the original identification method of the bank in our city, even if there are multiple properties under the name of the buyer, as long as there is no loan, applying for a mortgage in the bank is also the first suite. After the implementation of the regulations, this method will not work.

"It's not difficult for banks to implement the new standards." Many bank staff said that what banks can do is to find and judge whether the property purchased by customers belongs to the second house through the nationwide network bank credit information system. "There is no mature housing information system for our inquiry."

"At present, the information of the housing system and the banking system has not been networked, so it cannot be shared. The policy has just come down and needs to be promoted and coordinated. " The person in charge of the municipal housing management department said that in the long run, information sharing between banks and housing management departments is the general trend, but there are still many difficulties in specific implementation.

3. Real estate speculators balked before the New Deal.

In the face of the definition standard of "recognizing the house and recognizing the loan" for the second suite, many insiders believe that this will accurately curb investors and make many real estate speculators flinch from the policy. However, while curbing investment, the policy has also raised the threshold for buying houses to a certain extent, and the wait-and-see atmosphere in the property market will be stronger.

Since 20 10, the real estate industry has been rumored to increase the down payment for the second suite. At the beginning of April, the policy of "the down payment of a second home should not be less than 50% and the loan interest rate should not be less than 1. 1 times the benchmark interest rate" was officially promulgated. On June 4th, the three state departments formally standardized the second set of housing identification standards for commercial individual housing, and implemented a strict policy of recognizing housing and lending.

"This should be the most stringent regulation policy aimed directly at speculative property buyers." Liu Hui, general manager of the intermediary in Mei Jia, the provincial capital, said that the "mortgage-recognition and loan-recognition" of the second apartment not only made some property buyers increase the down payment ratio, but also raised the loan interest rate, which was a great blow.

The so-called "buyers" in policy are actually two types: those who buy a house to live in and those who invest in it. The introduction of policies related to the second home, the increase of down payment and the fluctuation of loan interest rate made investors' converge' for a period of time, and calculated whether the investment was cost-effective, which accurately curbed the investors who bought houses. "

Liu Hui also believes that this policy will not only crack down on real estate investment, but also severely crack down on "small for large" and "old for new" improved buyers, and the second-hand housing market may enter a more intense wait-and-see state.

"If it is recognized as a second suite, the down payment for a house of 1 10,000 yuan will be 200,000 more, and many people really can't afford a house." In the face of continued sluggish trading volume, developers are the most anxious. Many developers said that the introduction of the second suite standard will raise the threshold for buying houses and reduce the enthusiasm of citizens for buying houses, which will be another severe test for developers.

The sales director of a real estate in the provincial capital said that in the market environment in 2009, some people borrowed money to buy a house to fight inflation. If they buy a house again, the 50% down payment will become unbearable, affecting at least half of the buyers.

Baidu Encyclopedia-Identification Standard for Second Home Loan

Baidu encyclopedia-second suite