Shanghai will strictly review common mortgage repayment YanZha payment funds-bloxorz

Shanghai will strictly review common mortgage repayment YanZha first payment funding sources should be based on the principle of "strict evaluation of the repayment ability of the borrower family as a unit, the strict examination of common people before repayment spouses, adult children, parents (both sides), and the two sides are not clear division of property in divorce loan business." The reporter learned yesterday, the Shanghai banking regulatory bureau, issued before the "notice on Further Strengthening the" individual housing credit risk management of commercial banks under their jurisdiction, require strict implementation of the real estate market regulation policy, strengthen the risk management of personal housing loan. "Notice" requirements, the jurisdiction of the commercial banks in accordance with the policies applied by the city "principle, the strict implementation of the real estate loan regulation requirements and regulatory policies, strictly implement differentiated individual housing credit policy, strict implementation of individual housing loans the minimum down payment ratio and credit limit and other requirements. Thorough investigation of the first payment funds the reporter noted, "notice" mentioned in the jurisdiction of the commercial banks to strictly enforce the Shoufu funds authenticity inspection requirements. Improve the means of review, strict review of the borrower’s first payment source of funds. To prevent the borrower through personal consumer loans, personal business loans, credit card overdrafts, P2P, small loan companies, real estate development companies, real estate intermediary channels such as illegal access to personal housing loan down payment funds, trust companies and other channels may not use directly or indirectly for all types of institutions issuing the down payment loan fund. In addition, the "notice" requirements, the jurisdiction of the commercial banks to strictly audit the borrower’s credit record. Make full use of various types of credit and information sharing platform, the borrower’s integrity and other related information query. To further improve the individual housing loan contract and loan management, increase the corresponding provisions in the contract, to be bound by all kinds of bad faith behavior. If the applicant is in his line of inquiry of personal housing loan credit records act, to further understand whether an applicant is not true, repeated application materials to apply for individual housing loans, he did not pass the audit and the reasons for such loans, strict examination and approval. Overdue record over a certain number of times, or the history of overdue time, the larger the amount of the borrower, strictly prudent loans. "Notice" also demands that the jurisdiction of the commercial banks should strengthen the solvency of the borrower’s review. Careful assessment of the borrower’s willingness to repay, repayment ability, strict control of the borrower’s housing loans monthly expenditure and income ratio, the ratio of all debt expenditure and income. For family or personal frequent income transparency is low, income fluctuations, property changes caused by various reasons, to strictly audit all of its debt payments and repayment of income, especially income and often the first source of repayment etc.. Note to strengthen audit is divorced, Shanghai Banking Bureau also stressed that the jurisdiction of the commercial banks should pay special attention to avoid the impact of the purchase of all kinds of borrowers, credit limit and other acts brought to commercial bank real estate credit risk management, and take effective measures to strictly review. To take effective measures to strengthen the borrower’s qualifications and authenticity of the review of the intention to circumvent the restriction, limited credit and other relevant provisions of the borrower, in strict accordance with the principles of prudent management review. In principle should be based on the borrower’s family as a unit to strictly assess its repayment ability, to strengthen the joint repayment, divorced persons, property division相关的主题文章: