According to China's relevant regulations, in Beijing, different housing credit policies are implemented for lenders who have divorced within one year, and credit risks are strictly controlled. According to relevant reports, recently, the number of families who buy houses through divorce and enjoy the first housing loan policy has increased, which not only affects the effect of regulatory policies, but also easily leads to property disputes, declining repayment ability and other problems, increasing the housing credit risk of commercial banks. Therefore, for mortgage applicants within one year of divorce, commercial banks should refer to the second home loan credit policy; Apply for housing provident fund loans, according to two sets of housing provident fund loan policies.
In Beijing, banks will strictly examine borrowers' repayment ability to prevent credit risks caused by house purchase investment speculation. Commercial banks should strictly implement the monthly income ratio (not exceeding 50%) and other policy requirements, and strengthen the examination of the income proof materials of buyers. If the purchaser provides false proof of income or does not meet the requirements of monthly income ratio, no loan may be granted. Commercial banks should further tighten housing loan conditions for borrowers who are adults, unemployed and have no fixed income and whose repayment funds come from other borrowers. In principle, they can refer to the second home loan credit policy.
The requirements for buying a house in Beijing are as follows:
1. Tax payment certificate (individual income tax) or social insurance certificate for five consecutive years in Beijing.
2. Have a valid Beijing temporary residence permit.
3. Buyers have no room in Beijing. If married, neither husband nor wife has a house in Beijing.
4. ID card, marriage certificate and household registration book.
5. I bought a suite with a loan outside Beijing. If the above conditions are met, the down payment will be more than 60%, including 60%, and the loan interest rate will rise 10%.
6. There are no above restrictions on collective hukou, but collective hukou is not counted as Beijing hukou now. Property buyers must find a unit to receive the account and issue a receipt certificate with a valid seal before they can buy a house in Beijing.
Legal basis:
Notice on Strengthening Risk Management of Housing Credit Business in Beijing
second
Implement differentiated housing credit policies for lenders within one year of divorce, and strictly prevent and control credit risks. According to relevant reports, recently, the number of families who buy houses through divorce and enjoy the first housing loan policy has increased, which not only affects the effect of regulatory policies, but also easily leads to problems such as property disputes and declining repayment ability, which increases the housing credit risk of commercial banks. Therefore, for mortgage applicants within one year of divorce, commercial banks should refer to the second home loan credit policy; Apply for housing provident fund loans, according to two sets of housing provident fund loan policies.
Article 5
Strictly review the borrower's repayment ability and prevent the credit risk caused by the investment speculation in house purchase. All commercial banks should strictly implement the monthly income ratio (not exceeding 50%) and other policy requirements, and strengthen the audit of the income proof materials of buyers. If the purchaser provides false proof of income or does not meet the requirements of monthly income ratio, no loan may be granted. Commercial banks should further tighten housing loan conditions for borrowers who are adults, unemployed and have no fixed income and whose repayment funds come from other borrowers. In principle, they can refer to the second home loan credit policy.