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北京楼市再出新政:离婚一年以内贷款参照二套房执行
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Topic: 北京楼市再出新政:离婚一年以内贷款参照二套房执行 (Read 77 times)
mxmunk
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北京楼市再出新政:离婚一年以内贷款参照二套房执行
November 28, 2017, 04:57:57 PM
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北京楼市近期的大涨引发监管连出重拳。中国央行今日发布关于加强北京地区住房信贷业务风险管理的通知,对于离婚一年以内的房贷申请人,商贷和公积金贷款均按二套房信贷政策执行。 近期,购房家庭通过离婚手段享受首套住 房贷款政策的情形有所增加,这既影响了调控政策效果,也容易 产生财产纠纷、还款能力下降等问题,增加商业银行住房信贷风险。因此,对于离婚一年以内的房贷申请人,各商业银行应参照 二套房信贷政策执行;申请住房公积金贷款的,按二套住房公积 金贷款政策执行。 通知要求,各商业银行要加强对客户的尽职调查,认真核查购房人首付款资金来源,对使用“首付贷”等金融产品加杠杆的客户,应拒绝发放贷款。同时,各商业银行应加强消费贷及其他无抵押信用贷款的管理,严禁以消费贷、个人经营性贷款等名义贷出资金用于支付购房首付。对于经查询人民银行个人信用信息基础数据库,已确认购房家庭有商业性住房贷款记录的,可不再查询公积金贷款记录,按照二套房贷政策执行。 通知称,对于购房人提供虚假收入证明或不符合月供收入比要求的,不得放贷。对于已成年、未就业、没有固定收入且还款资金来源于其他共同还款人的借款人,商业银行应进一步严格住房贷款条件,原则上可参照二套房信贷政策执行。通知还要求,各房地产中介机构不得提供或与其他机构合作提供首付贷、尾款贷等违法违规金融产品和服务。 3·17新政祭出最狠调控3月17日,北京市住房和城乡建设委员会发布公告称,北京强化楼市调控措施,实施“认房又认贷”,二套房首付比例提高至60%。同时将加大商品住房土地供应,确保新建商品住房成交均价环比不增长。公告称,从其他一些重点城市来看,去年底实行“认房又认贷”,提高个人房贷门槛,目前取得了良好的二手房市场调控效果。此次北京借鉴这些城市的做法,强化差别化信贷政策,不但也实施了“认房又认贷”,而且还通过“一提一降”,适度降低金融杠杆效应:即进一步提高了二套房贷最低首付款比例,普通自住房提高至60%,非普通自住房提高至80%;同时降低住房贷款期限,将原来最高可达30年的贷款期限降至25年。此外,还明确规定企业购买的住房需满3年以上才能交易,交易对象为个人的必须执行限购政策。这一措施旨在打击企图以企业名义购房钻限购政策空子、投机炒房等。华尔街见闻对比北上广深四大一线城市的调控措施发现,调控升级后,北京几乎成了全国调控最狠的城市。易居研究院智库中心研究总监严跃进也认为,北京二套房首付比例提高到六成的管控方式比较严厉。认房认贷方面北京也比上海更严。其预计,对部分北京购房者来说购房交易近期或暂缓。更严苛的政策虽然楼市调控政策力度已经是全国最大,但媒体报道称,如果房价继续连创新高,北京还可能出台更严苛的政策。据中国证券报报道,知情人士称,北京楼市“3·17新政”颁布后3个月内,若房价仍旧单边上扬,政府会考虑出台更为严苛的政策,抑制不理性上涨,维持房地产市场的稳定。调控措施包括但不限于继续提高首付比例、全面取消房贷优惠、缩短贷款年限、打击取缔哄抬房价的不法中介机构等。实际上,北京房贷优惠近期已在持续减少。据和讯网本周二报道,目前北京首套房贷款利率已经升至95折。据和讯了解,工行、建行、北京银行等主要银行确实已经取消首套房9折优惠利率,执行95折利率。《财经》杂志也援引银行业权威人士消息称,北京首套房贷款9折的利率已经取消,按95折执行。此前已有坊间传闻,称除了四大行外,交通银行、中信银行、招商银行、民生银行、浦发银行、兴业银行、光大银行、华夏银行、邮储银行、渤海银行及北京银行、北京农商行这12家银行的北京分行也一致决定,首套房优惠幅度为不低于贷款基准利率的0.95倍。
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