Although a number of media1October 3 165438+ reported that "the Ministry of Housing and Urban-Rural Development, the People's Bank of China and the China Banking Regulatory Commission have jointly deployed to standardize the financing behavior of house purchase and strengthen the anti-money laundering work in the real estate sector", after multiple verifications, the official documents of the three departments have not been obtained.
It is understood that the Ministry of Housing and Urban-Rural Development, together with the Central Bank and the China Banking Regulatory Commission, issued the Notice on Regulating Housing Financing and Strengthening Anti-Money Laundering at the end of September, which imposed restrictions on real estate developers, intermediaries, banks and transaction links, and demanded strengthening the supervision and management of anti-money laundering in real estate transactions.
"What is certain is that real estate regulation will continue to increase." An expert from the Beijing Housing Construction Committee said.
It is reported that the three departments have jointly imposed restrictions on real estate developers, intermediaries, banks and trading links, and requested to strengthen the supervision and management of anti-money laundering in real estate transactions. Its contents mainly involve: it is forbidden for real estate development enterprises and real estate intermediaries to provide down payment financing for house purchase in violation of regulations; It is strictly forbidden for Internet financial institutions and microfinance companies to provide "down payment loans" and other home purchase financing products or services in violation of regulations; It is strictly forbidden for real estate intermediaries, Internet financial institutions and microfinance companies to provide off-site real estate allocation in violation of regulations; It is strictly forbidden to misappropriate personal comprehensive consumption loans and other housing purchase funds.
At the end of April this year, the Management Department of the People's Bank of China and the Beijing Municipal Commission of Housing and Urban-Rural Development jointly issued a notice requiring developers and intermediaries to fulfill their anti-money laundering obligations. According to the regulations, when developers sell houses and intermediaries provide brokerage services for second-hand houses, they must require both parties to the house transaction to pay the purchase price by bank transfer, and must use the bank accounts of both parties to pay the funds through the special account for pre-sale funds and stock house transaction funds supervision. In other words, buyers must swipe their bank cards.
In fact, in recent years, a large number of illegal funds have entered the real estate field through various channels, which has aroused the high vigilance of relevant departments. The most intuitive impact is to deal with possible money laundering while speculating in real estate.
The reporter noted that there are reports that corrupt elements who invest in real estate are considered to be suspected of money laundering. Both Gong Aiai, former vice president of Shaanxi Shenmu Rural Commercial Bank, known as "Fang Jie", and Cai Bin, former political commissar of Panyu Branch of Guangzhou Urban Management Law Enforcement Bureau, known as "Uncle Fang", have mixed "black money" into real estate transaction funds.
Gu Haibo, a senior real estate economist in Shanghai, said in an interview that real estate is an important channel for corrupt officials to hide illegal gains and money laundering. Especially in China, real estate is a relatively high-quality asset. Among many money laundering methods, investment in real estate ranks higher.
However, with the strengthening of supervision, the ways of money laundering are becoming more and more diversified, such as buying a house in the name of myself or others, such as "Fang Jie" Gong Aiai and Fang Shu Cai Bin; Then it is to buy a house below the market price and accept bribes in disguise; There are also collusion with real estate intermediaries to sign false sales contracts and mix "black money" into real estate transaction funds.