A few days ago, the People’s Bank of China Shenzhen Central Branch, China Banking and Insurance Regulatory Commission Shenzhen Supervision Bureau, and Shenzhen Housing and Construction Bureau jointly issued the "Notice on Establishing a Marriage Information Inquiry Mechanism to Improve Housing Loan Management" (hereinafter referred to as the "Notice"). By establishing a marriage information inquiry mechanism and improving the management of personal housing loans, strictly implement differentiated housing credit policy requirements.
The "Notice" proposes that the Shenzhen Municipal Bureau of Housing and Urban-rural Development will further improve the functions of the real estate information platform, and provide commercial banks with the convenience of inquiring about the marriage registration (including marriage and divorce) information of buyers through the provincial data sharing mechanism.
Commercial banks for personal housing loan business should check the marital status of the borrower and the number of housing units owned by the family members (including the borrower, spouse and minor children) in Shenzhen through the real estate information platform, as a basis for loan review and effective implementation Differentiated housing credit policy requirements.
At the same time, commercial banks should make adjustments to related business processes and management systems accordingly.
The "Notice" shows that, with the authorization of the borrower, commercial banks inquire about the borrower's marriage registration information as required, and the relevant information is only used when reviewing and handling personal housing loans.
The People's Bank of China Shenzhen Center Branch and the Shenzhen Banking and Insurance Regulatory Bureau will continue to strengthen the supervision and inspection of the housing loan business.
Harbin Institute of Technology (Shenzhen) Party Secretary and Professor Wu Delin said that in the past, most of the previous housing loan policies were mainly based on the review of the borrower’s income and ability to repay the loan, and there was no real concern about the marital status.
At the same time, because commercial banks are not connected to relevant government departments for personal housing loans, they cannot inquire about personal marital status. Some lenders can still submit "false divorces" or forged divorce records to obtain mortgages or lower down payments, which affects real estate transactions Market regulation mechanism.
This "Notice" is a further supplement on the basis of the previously announced "7.15" real estate regulation and control policy in Shenzhen, to block the loopholes in "false divorce" real estate speculation in all aspects and patch the "7.15" regulation and control policy.
Experts said that after the implementation of the "Notice", bank credit review work has become more convenient and precise, and differentiated credit policies have been implemented for abnormal marriages and family members with multiple properties, and further implementation of "no speculation in housing."
On September 11, in response to the rumors that remarriage or remarriage would no longer be traced back to the previous property, Shenzhen Real Estate Center responded that it had received the latest notice from the Housing Construction Bureau that remarried or remarried persons no longer trace the number of family properties before divorce. Calculating the number of family real estate units, as long as the family now meets the qualifications for buying a house in Shenzhen, they can buy a house.
In the “Notice on Further Promoting the Stable and Healthy Development of Shenzhen’s Real Estate Market” published on July 15 this year, the purchase limit for commercial housing was clearly adjusted, and it was proposed that Shenzhen households and adult singles (including divorced) must settle in Shenzhen. Commodity housing can only be purchased for 3 years and can provide proof of personal income tax or social insurance for 36 months or more in Shenzhen before the date of purchase. Non-Shenzhen resident families and adult singles (including divorced) continue to pay personal income tax or social insurance certificates for 5 years or more in Shenzhen before the purchase date before they can purchase commercial housing. If the couple is divorced, if either party purchases commercial housing within 3 years from the date of divorce, the number of housing units owned by the couple shall be calculated based on the total number of units in the family before the divorce.