Chinanews.com, March 3rd. The website of the People's Government of Hangzhou, Zhejiang Province issued the "Notice on Further Regulating the Order of the Real Estate Market" (hereinafter referred to as the "Notice") on the 3rd, which will come into force on the date of issuance.
The "Notice" pointed out that to further strengthen housing purchase restrictions, bidders participating in the city's judicial auction of housing purchases must comply with the city's housing purchase restrictions policy; at the same time, strictly prevent business loans and consumer loans from flowing into the real estate market in violation of regulations.
Data map: Hangzhou.
Photo by China News Agency reporter Li Chenyun
The “Notice” pointed out that further strengthening of housing purchase restrictions: bidders participating in the judicial auction of housing within the scope of Hangzhou’s housing purchase restrictions must comply with the city’s housing purchase restrictions.
At the same time, strictly prevent business loans and consumer loans from flowing into the real estate market in violation of regulations, strictly prohibit the issuance of personal business loans and consumer loans for the down payment or repayment of the down payment loan funds, strictly examine the authenticity of personal business loans and consumer loans, and strengthen post-loan Money management.
The "Notice" emphasizes that real estate intermediary agencies shall severely crack down on illegal activities, and intermediary agencies shall not accept and publish information on houses whose listed prices are significantly higher than the reasonable transaction prices.
Intermediaries and practitioners who have illegal activities such as publishing false advertisements, publishing false housing information, maliciously driving up housing prices, fabricating and spreading false statements about housing price increases, etc., will conduct interviews, public notifications, suspension of online signatures and listings in accordance with laws and regulations. Entering the industry’s untrustworthy "blacklist" and other handling measures, and transferring suspected crimes to judicial organs for handling.
The "Notice" requires strict regulation of the real estate market information release, all online platform accounts and online groups must strictly abide by relevant laws, regulations and management regulations, further regulate information release behavior, strengthen the legality, authenticity, and orientation of the released content, and work together The healthy and stable development of Hangzhou's real estate market creates a favorable environment for public opinion.
Relevant departments will severely investigate and punish the illegal and harmful information that disrupts market order such as falsely disseminating Hangzhou real estate market policies and market operation, creating false hot sales, and promoting speculative real estate speculation.
At the same time, the Hangzhou Municipal Housing and Housing Management Bureau answered the "Notice", including the purpose of the announcement, how to further strengthen the housing purchase restriction, and how to strengthen the management of personal business loans and consumer loans.
Regarding the purpose of the "Notice", the source pointed out that this "Notice" is mainly for conscientiously implementing the decisions and arrangements of the Party Central Committee and the State Council, insisting on the positioning of "houses are for living, not for speculation", and resolutely curbing speculation and speculation. To curb the rapid rise in housing prices, standardize the order of the real estate market, and maintain the steady and healthy development of the real estate market in our city.
In response to the question of "How to further strengthen the housing purchase restriction?", the source pointed out that since the date of this "Notice", bidders participating in the judicial auction of housing within the scope of the city's purchase restriction, including natural persons, legal persons and other organizations, must meet the requirements of the city's housing Purchase restriction policy.
Those who have entered the stage of judicial auction and bidding shall still be implemented in accordance with the original policy.
How to strengthen the management of personal business loans and consumer loans?
Financial institutions strengthen the review of customer qualifications and credit status, pay attention to the time when customers obtain the qualifications of operating loan borrowers, and prudently issue personal operating loans that are only applied for as the actual controller of the enterprise to prevent illegal credit funds from flowing into the real estate market.
Pay attention to the first source of repayment, require the borrower to provide tax information when necessary, and not simply use the collateral valuation to replace the borrower's income review.
Prudent in granting personal business loans to customers who have recently applied for personal housing mortgage loans or purchased houses.
Carry out the third-party cooperative loan business prudently. If the audit finds that intermediaries that provide “bridge” funds for borrowers to obtain operating loans in violation of regulations, and use “shell companies” to package the qualifications of borrowers, they should immediately terminate business cooperation.
How to severely crack down on illegal activities of real estate intermediary agencies?
The news pointed out that the housing information released by intermediary companies and employees through public channels such as stores, company websites, APPs and third-party platforms must be verified by the Hangzhou Second-hand Housing Transaction Supervision Service Platform, and obtain unified housing verification codes and QR codes.
Intermediary agencies shall not accept and publish information on houses whose listed prices are significantly higher than the reasonable transaction prices.
Intermediaries and practitioners must not encourage sellers to list real estate at prices that are significantly higher than market prices, or guide sellers to increase prices based on individual cases of high-priced transactions, and must not fabricate false high-priced transaction cases to create illusions such as rising housing prices.
Intermediaries and practitioners who have illegal activities such as publishing false advertisements, publishing false housing information, maliciously driving up housing prices, fabricating and spreading false statements about housing price rises, etc., will conduct interviews, public notifications, and suspension of online signings in accordance with laws and regulations. Including the industry’s untrustworthy "blacklist" and other handling measures, and transferring suspected crimes to judicial organs for handling.
In response to the question of "How to strictly regulate the release of real estate market information?", the source said that in order to further implement the central government’s spirit of "no speculation in housing and housing", create a healthy and orderly public opinion environment in the real estate market, and standardize the release of information on various online platform accounts and online groups Behaviors must not deviate from the positioning of "housing and living without speculation"; must not use individual transaction cases or local regional price fluctuations to speculate on market conditions; must not publish false real estate market operating data; must not publish unverified bad information; must not publish with exaggerated headlines Information that is seriously inconsistent with the content of the article; must not induce and promote various types of credit funds to enter the real estate market in violation of regulations; must not create panic when buying houses through various methods; must not speculate on the direction and trend of real estate policies.