1 1.4. Information on administrative penalty notified by Dali Supervision Branch of China Banking Regulatory Commission: due to careless management of credit business; Dali Branch of Fudian Bank Co., Ltd. was fined 850,000 yuan for illegally issuing commercial housing loans.
Commercial housing loans refer to loans granted to individuals who purchase or mortgage commercial housing in the tertiary real estate market, that is, personal loans used to purchase commercial housing with personal property rights such as shops or office buildings. The basis of administrative punishment is item 5 of Article 46 of the Banking Supervision Law of the People's Republic of China: serious violation of prudent business rules.
Strictly check the illegal inflow of credit funds into the property market.
Under the main tone of "housing without speculation", the illegal inflow of credit funds into the housing market has always been the focus of financial supervision departments. In March last year, the China Banking Regulatory Commission, the Ministry of Housing and Urban-Rural Development and the People's Bank of China issued the Notice on Preventing Operating Loans from Illegally Flowing into the Real Estate Sector, which put forward requirements such as strengthening borrower qualification verification, strengthening credit demand review, strengthening loan term management, strengthening loan collateral management, strengthening post-loan management, strengthening bank internal management, and strengthening intermediary agency management. Among them, to strengthen the internal management of banks, we should implement the main responsibility, improve the internal system, strengthen internal accountability, strengthen the monitoring and analysis of corporate loans and monitor the abnormal behavior of employees. At the same time, in strengthening post-loan management, it is necessary to strictly implement the requirements for entrusted payment of funds and strengthen the monitoring and early warning of post-loan capital flow. It is necessary to sign a letter of commitment with the borrower on the use of funds, and make it clear that once the loan is found to be misappropriated in the real estate field, it is necessary to immediately recover the loan, reduce the credit line, and investigate the corresponding legal responsibilities.
Misappropriation of commercial loans to buy a house was included in the credit report.
Credit funds flow into the housing market in violation of regulations, and commercial loans and consumer loans flow into the housing market in violation of regulations with the greatest punishment.
At present, the interest rate of the first home loan in many places has been lowered to the "3 era", and a group of "standby buyers" with high interest rates will choose the commercial loan transition with lower interest rates. In addition, some property buyers are not qualified for the first suite. With the help of loan intermediaries, they took risks and chose to use commercial loans to buy houses.
In June, 20021,China Banking Regulatory Commission indicated that it would take measures against the signs that some cities' operating loans illegally flowed into real estate, and maintain a high-pressure supervision situation. If you misappropriate a commercial loan to buy a house, you will recover the loan and submit it to the credit information system, which will also affect the later loan.
However, from the follow-up situation, the main targets of accountability are banks and loan intermediaries, and there are relatively few cases of punishment for enterprises and individuals misappropriating operating loans to buy houses, but buyers must not take their own risks.
Commercial loans to buy a house are illegal and risky.
Whether buying a house with an operating loan or replacing a mortgage with an operating loan, there are no small risks and hidden dangers.
First of all, although operating loans can save some interest burden for property buyers, the term of operating loans is often shorter than that of mortgage loans, which increases the pressure of repaying principal and interest in each period. For ordinary buyers with limited financial strength, personal mobility will be compressed, which not only increases the repayment pressure, but also weakens the ability to cope with sudden risks. Secondly, all kinds of expenses involved in the whole process are not small, especially when it comes to advance payment, the expenses are still relatively high, which seems to save the total interest rate, but it may suffer greater losses in essence.