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Tianjin second mortgage policy-related policy analysis

II suite of finds standard June 4, 2010 housing and urban and rural construction, and people's Bank of China, and silver prison will announced of on specification commercial personal housing loan in the second sets housing finds standard of notification in the determine has two Suite finds standard:
a, and commercial personal housing loan in the residents family housing units, should according to intends purchase family (including borrowing people, and spouse and the minor children, with) members name actual has of sets housing number for finds.
II, borrowers applying for or authorizes, municipalities, separately listed cities, provincial capital (capital) cities and other urban real estate departments have the query conditions should borrowers ' homes through the housing registration system the registration records, and issue a search result in writing. As a result of temporary local does not have and cannot provide housing registration query results the query conditions, the borrower shall submit to the lender family housing there is a number of credit guarantee in writing. Lenders verify integrity assurance are not true, it should be recorded as a bad record.
three, and has following case one of of, loan people should borrowing people implementation second sets (and the above) difference of housing credit policy: (a) borrowing people first application using loan purchase housing, as in intends purchase location housing registration information system (containing pre-sale contract registration record system, with) in the its family has registration a (and the above) sets housing of; (ii) borrowing people has using loan purchase had a (and the above) housing, and application loan purchase housing of; (three) loan people through query levy letter records, and Surface measurement, interviews (visit, if necessary), in the form of due diligence, assured that the borrower's family is a set of (or more) houses. Four, to provide more than 1 years local tax certificate or proof of social security to pay non-Hong Kong residents applying for a housing loan, the lender according to article III of this circular implement differentiated housing credit policies. Unable to provide more than 1 years local tax certificate or proof of social security to pay non-Hong Kong residents applying for a housing loan, the lender according to the second (or more) differentiated housing loan policy; commodities rise in housing prices are too high, too fast, tight areas, can be based on the risk of commercial banks and relevant policies and regulations of local governments, to its moratorium on housing loans.
latest two sets mortgage policy April 2010 State country 10 article provides: on purchase first sets since housing and sets type area in 90 square meters above of family (including borrowing people, and spouse and the minor children, with), loan first payment proportion shall not below 30%; on loan purchase second sets housing of family, loan first payment proportion shall not below 50%, loan interest rate shall not below benchmark interest rate of 1.1 times times; on loan purchase third sets and the above housing of, Down-payment loans and lending rates should be increased identified independently by commercial banks based on risk management principles. Three sets of mortgage places can be suspended according to the actual situation. BACK