The three red lines are aimed at real estate developers, requiring them to control the growth of interest-bearing debt in the real estate industry, and set three red lines. The first red line is that the asset-liability ratio excluding advances received shall not be greater than 70, and the second red line is net debt. The ratio shall not be greater than 100, and the third red line is that the cash-to-short-term debt ratio shall not be less than 1 times. According to the contact situation of the "three red lines", it will be divided into four levels: red, orange, yellow and green. The three red lines of the red level have all touched the new interest-bearing liabilities. When the orange level reaches two lines, the annual growth rate of debt must not exceed 5. When the yellow gear hits a line, the annual growth rate of debt must not exceed 10. None of the three green lines have been met, and the annual growth rate of debt must not exceed 15.
What information should you prepare in advance when buying a house?
1. Credit report. Before taking out a loan to buy a house, you must make sure that your credit has no bad record, otherwise the loan may not be approved. Currently, you can check a simplified version of your credit report through the official website of the People's Credit Information Center of China. For detailed reports, you need to bring your documents to the People's Bank of China or a self-service credit inquiry site for inquiry. If there are overdue records on your credit report, you can try to communicate with the bank to apply for a "Non-malicious Overdue Certificate". If there are any errors in the credit report, you can also appeal to the bank. Here we also remind everyone to always pay attention to credit issues and develop a good habit of repaying your loans on time. After confirming that there are no problems with your credit report, you can prepare the following information with peace of mind.
2. Original and copy of ID card and household register. Whether you are buying a house or taking out a loan, these documents are necessary. If you have a spouse or children, you must also prepare them. Generally, banks will make copies for you, so you don’t need to bring them separately, but you can save time by bringing them in advance.
3. Marriage certification materials. If you are married, prepare a marriage certificate; if you are not married, you need to issue a certificate of unmarried status; if you are divorced, you need a divorce certificate, the court's judgment on the ownership of the children, and a divorce agreement. Whether a married person buys a house with one name or two names on the real estate certificate, it is considered the joint property of the couple. If they are unmarried, it is deemed as individual property.
4. Proof of work, salary, etc. These materials are important documents to prove that you have the ability to repay the loan. Proof of income is the most important, which directly affects the mortgage amount, interest rate and other issues. Generally speaking, the monthly income is twice the monthly repayment amount. In addition, you also need to print out the 6-month or 1-year salary card slips, and remember to stamp them with the official seal of your bank.