上周末,北京市住建委、央行管理部、北京市金融工作局等五部门发布《关于落实商业性个人住房贷款中第二套住房认定标准有关问题的通知》,该通知已于7月7日下发各银行,并要求从该日起,签订购房合同的商业贷款均按该通知执行。
请看作文地带摘自《中国日报》的内容:
In order to define whether loan is for a first house or a second house, banks can no longer rely on the public credit registries system. They now need to investigate house ownership information with the help of the Beijing Municipal Commission of Housing and Urban-rural Development, according to a regulation jointly issued by the commission, the People's Bank of China and other two related authorities.
北京市住建委、央行以及相关部门发布的通知规定,在认定是否为二套房贷款时,银行不但要查询借款人公开的贷款记录,还需要登录北京市住建委的房屋权属系统查询借款人的房屋所有情况。
上面的报道中,loan for a second house就是我们说的“二套房贷款”,在认定过程中既要认credit registry(贷款记录),也要认house ownership(房屋所有权),也就是近期报道中说的“认房又认贷”。
新政出台后,购买第二套房的业主如果provide false information(提供虚假信息),银行将可能hold back their assets(扣押房产),并且在央行存储a record of the transgression(不良记录信息),今后贷款时可能受限。
与此相对,购买首套住房的业主可以享受favorable first-home loans(首套房优惠贷款),也就是大概八折的preferential interest rate(优惠利率)。这也就难怪有那么多人想占这个便宜了。
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