To buy a house unmarried written guarantee on bank lending to avoid the worst Suite

Half a month ago introduced the second suite, "added details", a clear definition of a second mortgage standards. But recently, some banks in Shanghai and purchases reflect the public, "added details" there are still operational difficulties, such as banks rely on credit information system was unable to verify the central bank "marital relationship", loan purchases were married if you want to deliberately conceal the situation, there are still The opportunity to avoid "additional details" of strictly limited.

For this reason, some Chinese-funded banks in Shendai, learning foreign banks have begun to request purchases must write unmarried guarantee that once the other side conceal the true situation, the consequences own.

Of foreign firms in funding requirements to ensure that the purchases were filling

December 11, the People's Bank, China Banking Regulatory Commission jointly promulgated the "on the strengthening of commercial real estate credit management supplementary notice" (that is, "added Rules"), the borrower to clear the family (spouses and minor children) as a unit That the number of mortgages. However, in actual Shendai, whether married people buy a house loans, commercial banks in Shanghai from the central bank still unable to verify credit information system. This is because the master-related civil affairs, public security departments of the computer system, the central bank and credit information system did not connect.

A Shanghai joint-stock banks mortgage Ministry official said, according to the existing banks can control the means, buy a house can only be asked to provide proof residence booklet or units. Only when a bank loan purchases that were suspicious of marital status, its request will be issued by the Home or unmarried prove that the public security departments.

Prior to that, because of foreign banks and the central bank failed to credit information system for docking, in the performance of the second suite, "added details", foreign banks generally require people buy a house down "single undertaking" and other documents, statements or do without their unmarried Other bank loans.

Today, some Chinese-funded banks have begun to refer to the practice of foreign firms to buy a house were filled out a personal statement in order, hide the truth to bear all the responsibility. However, the bank admitted that, even so, from a technical point of view there are still people buy a house to avoid "additional details" the possibility.

Bank of confusion authenticity of the lack of means of identification information

It is understood that the unit or a single street that has no legal effect, the Civil Affairs Bureau can only be a "customer of the marriage registration in the area did not" prove that, if the marriage registration in the field not on the investigation. The residence booklet reflects on the marital status of lagging behind more often, the Shanghai area alone, many young married couples, the accounts remain in their original location accounts.

For these issues, the People's Bank, the CBRC's "supplementary rules" have explicitly demanded that commercial banks should earnestly carry out this obligation to truthfully fill out requested the relevant information, making false information and the provision of false proof, all commercial banks shall not be admissible Their loan applications. The issue false information and providing false and that the units have been verified, all commercial banks are not allowed to re-prove their letter. However, commercial banks and the current lack of reporting is to prove that the information is true and effective means. In addition, even if the central bank's credit database credit system there are also lagging behind and left out the issues, which may in fact have impeded the implementation of the second mortgage New Deal.