These mortgage products may be more difficult to stop lending! – Sohu news onavo protect

These mortgage products may be more difficult to stop lending! Sohu news in the hot property market, the individual purchase of differentiated credit policy for many families to buy loans at all costs. And when the purchase of credit limit policies have been hit, some banks began to relay loan, joint loan and other credit products to strengthen the intensity of review, or even suspend lending to such cases. What is the relay loan, joint loan? Why should the bank stop? What is the relay loan and resultant loan? "Relay loan" refers to the purchase of housing for the parents as the owner of the housing ownership, the parents of the children as a common borrower, the loan to purchase housing credit products. "Loan" refers to the children as the owner of the purchase of housing, children’s parents as a common borrower, the loan to purchase housing credit products. This differentiated credit products can help banks expand credit scale, but also from the side to expand the volume of real estate transactions. Central University of Finance and Economics banking research center director Guo Tianyong: the benefits that can expand the purchase amount, because some people are not limited purchase purchase or other reasons, but their immediate family members have qualified buyers, then can loan on behalf of the immediate family, which is easy to expand the actual real estate transaction amount. "Relay loan" and "joint loan" is in line with the relevant norms of the banking industry? Guo Tianyong believes that this business is actually playing the edge ball of policy. Central University of Finance and Economics banking research center director Guo Tianyong: bank loans are generally need to I my loan repayment, for example you purchase, loan, you go to the bank loan, you should be a repayment, my loan, I provide my repayment, proof of income, this is a formal loan program. So, in the loan together, the relay in the loan, it appeared a kind of inconsistency, the lender may not direct lender, but because of their mutual relationship between relatives, so we feel that this loan from the original sense, does not comply with the principle of the authenticity of the loan. However, because they are directly related, can be regarded as a community of interests, so that it is a kind of walking behavior. Housing experts also said that the commercial banks, the risk of the loan together, relay loan such business, housing property is not clear, only appoint the name on the real estate license, once the bad in disposal will be very troublesome. Which places have stopped such business? It is understood that Shanghai some banks have halted the relay loan, the loan together "business, such as the Industrial Bank, China Merchants Bank’s relevant staff told reporters that the acceptance of customer related loans and other mortgage business, will be careful investigation before loan, strengthen the first source of repayment of the borrower’s audit. And Societe Generale Bank Shanghai branch made it clear that the Industrial Bank in Shanghai will not accept the relay loan, joint loan and other services. However, according to the Industrial Bank Beijing branch customer service center, in Beijing they have this business. Industrial Bank Beijing branch customer service representative: anyway, now we.相关的主题文章: