Su News Yesterday, the Suzhou banking industry’s personal housing credit business self-regulatory mechanism issued a resolution to implement the previous resolutions of the Nanjing Branch of the People’s Bank of China and the China Banking Regulatory Commission Jiangsu The “Notice on Regulating the Personal Housing Loan Business and Promoting the Healthy Development of Housing Finance” issued by the Supervision Bureau regulates the personal housing loan business in Suzhou and promotes the stable operation of housing finance. The resolution will be implemented with immediate effect and involves implementation details such as the identification standards for “first-time purchase of ordinary housing” and strengthening the review of the sources of down payment funds for personal housing loans. The resolution requires citizens to sign a commitment letter on the source of funds for the down payment of a personal housing loan when applying for a home loan in the future, and clarifies for the first time that credit cards cannot be overdrafted for the down payment when buying a house. 【Oxford cloth manufacturer】
In terms of the identification criteria for “first-time purchase of ordinary housing”, the resolution is clear Borrower families with home purchase loan records shall not be included in the “first-time purchase of ordinary housing” support objects; borrowers and family members who do not have home loan records in their credit reports and the borrower’s home purchase information cannot be accurately obtained through other channels. In view of the current situation in Suzhou, The conditions for unified inquiry are not currently met, and the borrower will be required to sign a commitment letter to purchase ordinary housing for the first time before he or she can enjoy the first-time ordinary housing purchase policy.
In terms of strengthening the review of the sources of down payment funds for personal housing loans, the resolution clarifies that borrowers must provide unused loan funds when applying for housing loans. Serve as a written guarantee of good faith for the down payment, including consumer loans, credit loans or credit card overdrafts issued by banks to pay the down payment, etc., and sign relevant commitment letters; banks must also strengthen the review of the authenticity of the down payment and make it clear that customers must provide the down payment Payment history, comprehensive use of credit information, down payment history review and other methods to accurately grasp the borrower’s true source of funds for the down payment. Loan approval materials must reflect traces of the down payment investigation. At the same time, the resolution also requires that for mortgage businesses suspected of “fake divorce”, all banks must focus on verifying the marital status of the borrower. Only when the borrower’s marriage certification documents and household registration information and marriage registration information are consistent can the mortgage be renewed. loan. 【210D Oxford cloth】
In addition, in order to create a fair and orderly competitive environment, the resolution also All banks are required to strictly implement the “Suzhou Banking Industry Self-Discipline Convention on Personal Housing Credit Business” and are not allowed to obtain personal housing loan business by paying cash to real estate sales personnel, intermediaries or related parties, proportional rebates, providing physical objects, etc. as consideration. Establish a non-honest list mechanism to strictly control the mortgage business of those who violate promises and dishonesty; we should jointly resist malicious competition, and shall not conduct misleading publicity in the form of “the best price in the city” or “the lowest interest rate in the city”; establish complaints about violations and encourage Each bank will supervise and report violations of the self-discipline convention on the basis of mutual supervision. For banks with outstanding problems and concentrated complaints in the short term, the self-discipline mechanism will also request the Suzhou Central Branch of the People’s Bank of China to conduct admonishment talks with relevant units. 【600D Oxford cloth】
Some people in the industry pointed out that the newly released resolution is “dry information” “Many of them have not only put forward relevant implementation standards and loan review requirements for banks that issue housing loans, but also put forward self-discipline requirements for individuals who apply for housing loans. Among them, only the Personal Housing Loan Down Payment Fund Source Commitment Letter clearly requires citizens applying for housing loans to promise to the bank that the personal housing loan down payment they apply for comes from their own funds. If borrowed funds are not used, consumer loans, credit loans, and credit cards cannot be used. Overdrafts and other bank loan funds serve as down payments, which means that the behavior of “down payment” through credit cards with higher limits will also be eliminated. In addition, citizens applying for mortgages are not allowed to use commercial loans through non-bank channels such as real estate agencies, Internet platforms, small loan companies, etc. as down payment. Once the content of the promise is false, the mortgage applicant will be included in the bank’s list of non-honest customers, recorded in a bad personal credit record, and will also be required to immediately settle the principal and interest of the mortgage loan.
Suzhou Textile-Oxford Cloth Manufacturer: www.wcxfz.com
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