In addition to Shanghai, with the strengthening of supervision, first-tier cities such as Beijing and Guangzhou are also strictly checking illegal funds entering the property market.
Illegal use of loans was recovered.
Since the end of last year, the property market in Shenzhen, Shanghai and other places has been booming, which has lifted financial products "personal loans" out of the water. Subsequently, the illegal inflow of credit funds into the property market has become the focus of the crackdown by the regulatory authorities, and cases of illegal loans being recovered in advance have emerged constantly.
The reporter read the Notice of Early Withdrawal of Personal Loans in Shanghai, and learned that the bank announced that the loan of nearly 3 million yuan was due to the lender's failure to fulfill the relevant provisions in Article 4 of the loan contract, "loan purpose", and told the lender that the loan principal and interest must be fully repaid before March 3 1. If it is overdue, it will constitute overdue, resulting in penalty interest, and the bank will take measures such as litigation and property preservation.
"The regulatory authorities have to be serious this time." Mr. Zhang from the Credit Department of China Guangfa Bank Beijing Branch explained to the reporter of China Consumer News that this means that if the Shanghai borrower handles mortgage loans, he has only two choices now: either to raise money to repay the loan or the mortgaged property will be confiscated by the bank.
According to an insider, the background of this kind of incident is 5438+ 10 in June this year. The Shanghai Banking Insurance Regulatory Bureau explicitly asked the banks within its jurisdiction to conduct a semi-annual inspection of related businesses, and conduct a comprehensive inspection of consumer loans, business loans and personal housing loans issued since June last year, and publicly proposed an interception mechanism for the first time. In April 2020, the Shanghai headquarters of the central bank made it clear at the real estate credit forum that it was strictly forbidden to provide funds to buyers in the form of consumer loans or operating loans.
Yan Yuejin told reporters: "The interest cost of buying a house with operating loans is much lower than that of mortgage loans. The annual interest rate of mortgage is generally 5%-6%, and in some places it even reaches more than 6%. The down payment requirement is also relatively high, and the annual interest rate of operating loans is generally below 4%. "
According to Yan Yuejin, in view of this phenomenon, the previous financial supervision policy did not involve the recovery of loans. 20 16 Shanghai issued a regulation policy, requiring the down payment of mortgage to be its own funds. The punishment at that time was to pull the violator into the list of dishonesty. In the same year, Shenzhen also issued similar requirements, mainly to crack down on Internet finance companies, microfinance companies and other financial institutions engaged in down payment loans, crowdfunding housing, bridge loans and other financial leverage fund-raising business. In 2065 438+07-2020, we will mainly implement local mortgage supervision policies to crack down on fraudulent loans through running water.
Yan Yuejin believes that the monitoring of real estate finance has been continuously strengthened this year, especially in the aspect of "illegal funds flowing into the property market", and maintaining the stability of the real estate financial environment has been mentioned in a more important position. It is expected that cities, especially big cities, where house prices rise too fast will strengthen the supervision of illegal funds flowing into the property market, and measures to recover loans in advance will have a deterrent effect on real estate speculators.
Strengthen fund supervision in many places.
Shanghai is not the only city to recover illegal loans in advance, and Beijing and Guangzhou are also strengthening supervision over such behaviors.
The manager of an intermediary store in Beijing Baizhifang told the reporter that a school district house he had handled had just been sold before the Spring Festival and recently put on the market for sale. The listing price is still "reasonable" because the owner used the house to repay the commercial loan and was found out by the bank. Now he has to repay the loan and sell the house. "Don't sell? Who can come up with millions of cash at once? "
A senior banker in Beijing revealed to the media that some commercial banks under Beijing's jurisdiction have recovered the illegal credit funds flowing to the property market and asked customers to return them in advance. The source said that since last year, the regulatory authorities have conducted regular spot checks to collect information and screen out the possibility of abnormal accounts and consumer loans flowing into the property market and the stock market. If problems are found, the bank will take corresponding measures for follow-up treatment.
"The competent department conducted a general survey of the transaction cases in hot areas of Beijing property market, especially the transaction cases in hot school districts such as Xicheng Financial Street, Dewai, Haidian Wanliu and Zhongguancun." Chen Zhi, secretary general of Beijing Real Estate Association, told reporters.
Guangdong Banking Insurance Regulatory Bureau also said recently that it will seriously investigate and deal with the illegal flow of business loans and consumer loans into the real estate sector, and require banking institutions within its jurisdiction to conduct all-round risk investigation around credit investigation, credit approval, post-loan management and business cooperation with third-party institutions, strictly regulate business cooperation with intermediaries, and plug business management loopholes in time.
On March 16, the Banking Regulatory Commission of Guangdong Province issued a circular on "strictly observing" staying in houses and not speculating, and resolutely punishing chaos ". Up to now, it has been found that the amount of business loans and consumer loans suspected of illegally flowing into the real estate market exceeds 30 million yuan through various methods such as big data screening, account analysis, file retrieval, running water tracking and personnel interviews.
In addition, the self-inspection of Guangzhou banking institutions found that the amount of problem loans suspected of illegally flowing into the real estate market was 65.438+0.47 billion yuan, involving 305 households, and * * * sent 642 suspicious clues. Institutional verification confirmed that 40 personal business loans were misappropriated to purchase houses, and relevant institutions have started rectification and accountability.
On March 23rd, Beijing reported the operating loans illegally entered the Beijing real estate market found by banks within its jurisdiction through comprehensive self-inspection and special verification, and found that the amount of personal operating loans suspected of illegally entering the Beijing real estate market was about 340 million yuan, accounting for about 0.35% of the total business of self-inspection of operating loans. At present, relevant banks are making every effort to promote the rectification work.
According to the report of Shenzhen Banking Insurance Regulatory Bureau, since April 2020, the Bureau has comprehensively investigated the business loans of Chinese-funded commercial banks within its jurisdiction1540,000 and the business loans17765438+73 million yuan, and selected six banks for on-site inspection, with the inspection coverage rate of nearly 50%, and recovered 2 1 565438 ahead of schedule.
In three cases, the loan will be recovered.
Recently, the fluctuation of the real estate market in some hot spots has increased. It is generally believed in the industry that the illegal entry of operating loans into the property market is the main reason for the obvious rise of this round of property market, which has attracted a blow from various regulatory authorities. Judging from the supervision of illegal commercial loans entering the property market in various places, Beijing has the most severe crackdown.
According to industry insiders, there are three main situations in which banks require early repayment due to misappropriation of operating loans:
The first is that banks or regulatory authorities obtain relevant evidence of illegal use of loans by borrowers; The second is that in the early stage, because the bank "turned a blind eye", the borrower borrowed a commercial loan, and later there was a problem in its capital chain, hoping that the bank could waive some interest or postpone repayment. In this case, the bank is likely to ask the borrower to repay in advance; Third, in the process of supervision and spot check, it is found that there are problems in the capital link, and the bank is required to check and recover the loan.
"From the results of strict investigation of operating loans, we can see the reasons for the different price increases in various places. Judging from the increase in housing prices, Shenzhen ranks first, and Beijing is at the end of first-tier cities, but operating loans are the most detected, representing the strongest regulatory policy in Beijing's property market. " Zhang Dawei, chief analyst of Zhongyuan Real Estate, said.
Jaco, dean of the branch of 58 Anjuke Real Estate Research Institute, believes that the market should realize that the relevant departments have significantly strengthened their control over the financial side, and all parties in real estate transactions need to sound the alarm, which can fully reflect the determination and strength of the regulatory authorities from the time of investigation.
In addition, some intermediaries or financial institutions have played a certain role in promoting the illegal flow of commercial loans into the property market. Jaco said that the follow-up regulatory authorities and banks will continue to intensify the crackdown on housing-related loans, and hell to pay will also be required for institutions that violated laws and regulations in the early stage.