Two apartments of specifications of Beijing The loan must be submitted to family's house property before buying house

Two apartments of specifications of Beijing The loan must be submitted to family's house property before buying house
It is reported the whole fund buy first suite already, loan buy second apartment, regard as two apartments, do not enjoy " Down payment is 20% " , " the interest rate gives a discount " When favourable. Two apartments of Beijing assert the standard was issued yesterday, the bank should not merely inquire about the debtor's loan record before lending, log in to room, in charge of the intersection of house and right of department belong to system, inquire the intersection of borrowed money and others' quantity of house of front yard also. Press strictly " Admit that recognizes the loan again in the room " The principle defines two apartments.
Yesterday, the construction commission lives in Beijing, , notice this issue every bank on July 7 already, require, from this day, sign commercial loan of house purchase contract according to should notify, carry out.
Admit the loan is apt to recognize the room to be difficult before the specification is issued
Will it be May 26 this year, live person who build three department issue " about standardize second house assert the standard notice in the the intersection of commerciality and personal housing loan ", define two apartments assert that regard family as the unit, and carry out " admit that recognizes the loan again in the room " Principle.
But after this file was issued, because all parts have not issued implementing regulation yet, two sets of housing loan are in actual operation, loan record before just investigating and verifying to the debtor of many banks. Can not belong to the unit to network with the right of the house, verify the others' front yard house situation of the borrowed money. Only " recognize the loan " ,Have not realized " Recognize the room " .
The bank can log in the information system of construction commission
" notice " announced according to yesterday, the debtor should declare family's house situation voluntarily while applying for the loan. The bank speaks face to face according to declaring the situation, the quantity of house of visiting, investigating if necessary the others' front yard of the borrowed money has actually to the doorstep. Meanwhile, the bank checks and verifies debtor's loan record systematically through inside.
As to the thing that how " Recognize the room " ," the notice " stipulate bank to live construction commission apply for the registration of the intersection of key and plate while being municipal, log-in live in the intersection of house and right of construction commission belong to information system while being municipal, file, inquire, apply, live in the construction commission feedback and inquire the result within 2 workdays while being municipal, the bank can know creditor's quantity of the house. Because the right of the house belongs to and involves personal information, " notice " emphasizes, the bank should be authorized by the debtor before inquiring, and strengthen the safety management of information and prevent debtor's personal secrets from being revealed.

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