The housing loan is examined and approved Operation change after the policy of regulation and control of real estate market

The housing loan is examined and approved Operation change after the policy of regulation and control of real estate market
The impact on market of housing loan of many policies of regulation and control of real estate market is appearing gradually. Reporter yesterday ( June 7) Fit the victory to learn from a loan organization of every large bank and speciality bigly and well, since the policy of regulation and control of real estate market is released successively, while the bank checked and released the operation of the personal housing loan, seven major changes have appeared.
The room age changing: The house room of the loan is limited age
Case: Beijingers Xiao Tangs settled on a set of second-hand houses built in 1986 recently, while applying for the loan, it is in order to be refused but the bank in over 20 years of age with the room.
Solve: The reporter learnt from the bank yesterday, every bank was stricter than in the past to the age's verification of house room of the loan at present, the present stage, most bank house property of the above to accept loan application basically in 20 year to age such as room. But one house state-run the intersection of bank credit and department head tell reporter whether they consider room can see property right of house clear also age while, whether the position is close to the city center. If position very fine and property right clear, to may lend money too over 20 years of age such as room.
Summarize: But for source of houses being special, it was basically unable loan to buy the house property built up before 1990 at present. But last year, the bank will usually accept the loan application to the house properties of over 20 years of age of room, just grant the loan to will reduce some to count.
The verification changing: It proves that verifies to strengthen incomes
Case: Take office little Han in advertising agency plan loan it buys one total price to be yuan of houses, want to borrow money 1 million yuan. Bank check find income that little unit Han open prove, reveal his monthly income 15000 yuan, but there is only 8000 yuan on its flowing water form of bank. Bank think two number difference relatively large, lower the loan of little Han count.
Solve: One personage of commercial bank tells reporters, the bank is except requiring the debtor to offer and affix the income of official seals of the unit to prove at present, the intersection of bank and flowing water that also will provide for debtor check, find the intersection of debtor and the intersection of bank and flowing water and income prove store in relatively loud and with a wide gap carefully, will generally prove the debtor's income to regard as " Invalid " .
Summarize: Before tightening up in the policy of lending, the bank proves to the debtor's income that it is " captious " to check it will not be like this . After the policy of lending is tightened up, the examination that every bank proves to debtor's income is stricter.

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