On February 22, there was market news that the Agricultural Bank recently launched a new commercial loan product "Lianxindai" for home buyers in Xiong'an, mainly with unmarried boyfriends and girlfriends as co-payers.
A staff member said that employees have seen the relevant documents, but no specific operating rules have been issued yet.
First Finance and Economics called the customer service number of Agricultural Bank of China, and a staff member said that the product was indeed available.
As soon as "Lianxindai" came out, it immediately aroused heated discussions in the market. There are two focuses of people's attention: one is how to define the relationship between male and female friends?
The second is in case the two "do not connect", what should they do after they break up?
already appeared?
First Finance and Economics found that "Lianxindai" is not a new thing. On the official website of the Agricultural Bank of China, an article titled "Personal Housing Loan "Loan" to Quality Life" was published. As an example, Zheng Zhi wrote: When Zheng Zhi was inquiring about "home improvement loan" at the Agricultural Bank of China, he also learned that the Agricultural Bank had launched a new mortgage product called "Lianxindai", which could strengthen the repayment ability of the lender.
Unmarried male and female friends can apply for a loan together as co-owners and act as the owners of the new house together.
Such loan products can also make the rights and obligations of both parties more equal and clear, and reduce a lot of pressure on repayment.
Objectively speaking, it can also reduce many conflicts that may arise in the future.
According to the search of China Business News, the earliest publication time of this article was July 8, 2014.
The article stated: "Lianxindai" refers to a personal housing loan applied by both parties or one party to the Agricultural Bank of China in order to clarify the ownership of pre-marital property or enhance repayment ability.
The buyers listed in the housing sales contract applying for "Lianxindai" should be both men and women, and the purchased housing should be owned by both parties. Both men and women can apply for loans as joint borrowers, or one party can apply for loans alone.
If one party applies for a loan independently, the other party shall act as a joint and several liability guarantor and undertake joint and several liability guarantees during the loan period.
Yan Yuejin, research director of E-House Research Institute, believes that "Lianxindai" is similar to the recently discussed "Hundred Years Loan", both of which involve the situation that there are multiple repayers for mortgage repayment.
"It is understandable if couples or family members are co-repayers, but unmarried boyfriends and girlfriends are actually easy to cause everyone's concerns and doubts as co-repayers." He said.
there is controversy
First Finance and Economics found that on the search platform or the online question-and-answer community platform, people have asked questions: how to divide the real estate of Lianxindai before marriage, and how to divide the real estate of Lianxindai before marriage after divorce.
"Especially unmarried male and female friends as co-repayers, if the partner breaks up or has emotional problems, then there are certain problems in such repayment. The key is to prevent contract disputes and breaches of contract in the middle, which will eventually make Loan defaults. This is what innovations in various credit products, including 'Lianxindai', need to pay attention to." Yan Yuejin said.
In addition to breaking up, there is still a big controversy about how to define the relationship between unmarried boyfriend and girlfriend?
In this regard, the above-mentioned customer service staff of the Agricultural Bank of China stated that both men and women need to provide a written statement of unmarried and lover relationship, and the bank needs to keep files, and you need to consult the local branch for details.
Yan Yuejin believes that the starting point of "Lianxindai" is good, and it is understandable from the perspective of some home buyers.
When young people buy a house together, they definitely want to borrow more.
And since they want to buy a house, unmarried boyfriends and girlfriends generally have the corresponding financial ability, so from the perspective of loan repayment, they are fully capable and willing to help each other repay the loan.
"But from a realistic point of view, if a house buyer wants to borrow more money, can he find an intermediary or a third party as a co-repayer? For unmarried men and women who are claimed by the bank, this risk is not without it. How? The proof is the relationship between male and female friends. Judging from the current marital status of house buyers in our country, there are only several types of certificates such as single, married, and divorced. It seems that there is no channel to check the relationship between male and female friends. It doesn't exist either." Yan Yuejin said.