Shanghai full stop relay loan, loan force is strictly prohibited ex-wife ex husband to participate in the property market regulation and control of the loan to upgrade again! 4, take a look at the news Knews reporter was informed that the central bank under the Shanghai market interest rate pricing self-discipline mechanism, a comprehensive halt relay loan, heli loan, and is strictly prohibited ex-wife, ex husband to participate in the loan repayment. In November 3rd, to effectively implement the Shanghai City real estate regulatory requirements and the Shanghai headquarters of the people’s Bank housing credit work conference, an important role in the real estate industry self-regulation of financial regulation in Shanghai City, the market interest rate pricing discipline mechanism issued "on the practical implementation of the Shanghai City real estate regulation spirit to promote the orderly financial market of real estate operation the resolution" further, requiring commercial banks to strictly implement the Shanghai City real estate control policies, maintain the real estate financial market order. Look at the Knews news reporter was informed that the resolution is required not only to continue to strengthen the source of funds to pay the first review, to prevent all types of consumer loans, personal business loans, credit cards and other large overdraft to pay for the purchase of the first payment, at the same time to strengthen the audit requirements of housing mortgage loans, to avoid illegal funds for added leverage. In other words, the central bank reiterated that mortgage loans can not be used to buy a house!!! Can only be used for consumption loans! In addition, the central bank also called for strengthening the verification of the income of residents, such as authenticity of the audit, focusing on controlling the first source of repayment. Prohibited by adult children, (both) parents, ex husband, ex-wife or other third parties to participate in joint repayment and repayment obligations and other means to circumvent the regulation and control policies and housing credit management regulations. That is to say, after a number of commercial banks to carry out the " ", " relay loan; loan together " business, be fully stopped; while prohibiting ex spouses loan involved in means of fake divorce couples, also cannot be used as a common lender to obtain loans from the bank. In addition, the resolution also requires commercial banks to strictly examine the real estate enterprise’s own funds sources, prevent credit and other types of funds, especially financial capital through the docking trust and information management plan, private equity funds and other illegal channels to enter the land market. Background: Shanghai City, the market interest rate pricing discipline mechanism was founded in the early Shanghai FTA reform, is to guide the Shanghai headquarters of the people’s Bank under the supervision of the financial institutions in Shanghai silver industry self-discipline coordination mechanism, has played a positive role for the smooth and orderly implementation of the FTA small foreign currency interest rate market. Since this year, according to the requirements of the relevant policies of the state and the people’s Bank of macro Prudential Management, Shanghai City, the market interest rate pricing discipline mechanism continue to play an important role in the financial regulation of the real estate in Shanghai City: one is according to the requirements of the regulation of real estate in Shanghai City, the people’s Bank of Shanghai headquarters under the guidance, in March this year, according to " the policies applied by the city of " the principle of negotiation to determine the scheme of differential housing credit policy adjustments, and in the lead in the introduction of strict credit limit policy. The two is through " policy propaganda, communication linkage, to complement the implementation of rules, strengthen reporting and punishment for " the working mechanism, in the unity of the differential housing credit policy implementation standards, norms of commercial banks and real estate intermediary business.相关的主题文章: