In the evening of January 29, the Shanghai Banking and Insurance Regulatory Bureau issued a notice clearly indicating that it will strictly control the issuance of personal housing loans, and that subsequent housing loans will focus on supporting the demand for loans to purchase the first set of owner-occupied homes, while the conditions to be met also include the type of housing for small and medium-sized homes, and the building structure has been topped out.
Hu Shizheng is a new Home salesman of a high-end property in Shanghai. His project has reached 30% of the building height, and according to the regulations, he can get a pre-sale certificate for sales. But after the implementation of the new rules, home buyers need to wait until the main structure of the entire house topped out before they can apply for a mortgage.
Hu Shizheng said, for the developer, before the top, its return rate may be reduced, the developer may face a certain amount of financial pressure.
From the perspective of home buyers, after the implementation of the new rules, the source of funds to buy a new house down payment will be audited, if it is through the mortgage of the house or other sources of funds mortgage, may affect the eligibility to buy a second set of new houses.
Shenzhen regulation increased the code, strict investigation of the funds to buy a house strictly control the illegal entry of funds into the property market
Recently, Guangdong also repeatedly rumors of tightening mortgage loans, following the four major banks in Guangzhou raised personal mortgage interest rates, Shenzhen banks on the issuance of home purchase loans are also a lot more cautious, for individual home buyers, bank audits are also increasingly strict.
Mr. Huang, a home buyer, said that this year has been his second Time to participate in playing the new plate, his most obvious feeling is that the information review is getting stricter and stricter. Mr. Huang told reporters that he just finished experiencing the complicated information review of the new plate in Qianhai, the property record average price of about 112,000/㎡, the minimum total price of about 11.53 million.
As an example, the down payment of 3 into about 3.46 million, the monthly payment of about 43,000. In other words, according to the new rules, anyone who passes the information review of the property will have at least 86,000 monthly income. Mr. Huang first sold his house and then bought a house, the source of the down payment is clear, but stuck in the income proof of the barrier.
Shenzhen home buyers Mr. Huang: This time to play the new for the funds of the audit is very strict, I have been called back twice.
The first time, I was asked to provide more than twice the monthly income flow of funds to cover the mortgage. The second time, let me provide the source of funds for the down payment.
I heard that after selecting the house number, if the developer finds that there is some untrue information submitted, the developer will have to take back the house, and the bank will not give the loan.
Industry insiders say that the source of down payment is checked more strictly to avoid speculation on behalf of the house. Some banks will trace the source of funds, especially large amounts of money, and firmly prohibit business loans, consumer loans disguised as down payments, irregularities into the property market, nor can it be money borrowed from others.
Shenzhen Midland Property Futian North general manager Sun Jiayan said, before will not ask the source of the down payment, now because banks are going to check, if not immediate Family members, suddenly the bank account more than a down payment over, so the bank is generally not approved loans, so relatively stricter than before.
On January 23, Shenzhen Housing Authority issued a notice on further strengthening the review and management of the city’s commercial housing purchase eligibility, emphasizing the review of commercial housing purchase eligibility and further cracking down on speculation such as “holding”. Once the violation, home buyers will be suspended from buying or selling houses in Shenzhen for 3 years.
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