Investigation on the new stock market of Shenzhen

category:Finance
 Investigation on the new stock market of Shenzhen


Two days later, on November 30, Zhang xuefan, director of the Shenzhen Municipal Bureau of housing and construction and Secretary of the Party group, responded to the matter in an interview with Shenzhen satellite TV. We are investigating the problem of speculating in real estate on behalf of the media. Once any illegal behavior is found, it will be dealt with in strict accordance with the law. He said.

At the same time, in view of the current situation of inverted prices of first-hand and second-hand houses in Shenzhen, relevant departments in Shenzhen are also working with relevant forces to study comprehensive control policies and resolutely crack down on speculation and speculation in the market.

As the climax of Shenzhens new campaign over the years, the number of valid registered customers of China Resources City Runxi phase 1 shortlisted in the lottery has reached 9687 batches, all of which are homeowners, and the minimum number of social security months exceeds 4 years.

On the other hand, the main type of the project is medium and large units with 100-200 square meters; the average price is as high as 131000 yuan / square meters, and the lowest total price of a set is nearly 12 million yuan. All the above-mentioned effective candidates must freeze the earnest money of 3.5 million yuan for registration.

Taking a 200 square meter house type of the project as an example, the first set of down loan is estimated. According to the 30-year mortgage years, the down payment is at least 8 million yuan, and the monthly supply is close to 100000 yuan. Due to the high amount of monthly supply, the banks annual flow requirement for buyers is set at more than 1 million yuan.

If the income and expenditure in recent months are obviously very low, how can the real running water cover the monthly payment of nearly 100000 yuan? An industry person who has been dealing with investors and buyers in Shenzhen for a long time told economic observer that as long as you check the real flow and capital flow details of the agent, you will find problems.

According to the Economic Observer network, in the past, a new house on the Shenzhen market held on behalf of the business, the capital involved usually included the provision of bank statements, down payment, mortgage and loan repayment.

A senior intermediary in Shenzhen who has operated the agency business disclosed that in most cases of purchasing house on behalf of the owner, the buyers are directly handling a fake flow in the name of the agent. There is also another way, experienced buyers will generally try to create a true flow of the card holders bank card about half a year in advance.

The method is very simple, for example, todays buyers transfer 100000 yuan to the card holder, and then transfer the money out the next day, and so on, according to the cycle and frequency operation. After half a year, when it is really necessary to buy a house, the running water of the agent holders bank card can support the banks examination. In the industry, such a way is known as nourishing water.

In terms of down payment, professional investors and senior intermediaries have long learned to be flexible. After signing the house purchase contract on behalf of the owner, the buyer often turns the down payment a few hands first, and finally flows into the bank account of the agent holder.

If the bank checks the source of repayment funds, its a big deal to transfer the funds into the mortgage card. Shenzhen senior intermediary recruitment.

The official account of the 1 phase of Huarun city and the other popular new site of Wancheng mountain and sea in Qianhai, Shenzhen, were released in November 30th. The two most consistent contents of the WeChat public address are the housing and the housing speculation which is almost the same with the general customers.

These two proposals not only remind the risk of purchasing house on behalf of the owner, but also emphasize that if the buyer chooses to pay by mortgage, the buyer should consult the lending institutions (including banks, provident fund center, etc.) before signing the subscription to understand the relevant loan policies (including but not limited to purchase and loan restriction, down payment ratio, loan term, loan interest rate, down payment fund source and income certificate) To determine whether there are loan obstacles and meet the loan conditions, and to evaluate the risk of debt paying ability, down payment change, interest change, etc.

The statement of China Resources City Runxi phase 1 in the proposal is more detailed: whether the mortgage application procedures are approved, the amount, term, maturity and interest rate of the loan are determined by the bank according to the conditions of the buyer, and there is a risk that the bank will not approve or not fully approve the loan application.

It is true that we can find out the situation of holding on behalf of others through the flow and the source of down payment. However, this needs to be penetrated. It is difficult to check a single bank. If the peoples Bank of China requires inspection, it can certainly be found. A Shenzhen bank source told economic observer.

From the present point of view, strict inspection of the source of down payment funds, bank flow, not allowing non lineal relatives to guarantee the mortgage loan, etc., are temporarily limited to the individual new market which has recently entered the market and the hot new market which is about to enter the market. The ultimate goal is to drop the board into the phenomenon of investors gathering. The above Shenzhen bank also said, has not received the unified notice of strict inspection of the source of down payment for house purchase. However, Zhang xuefan also mentioned that Shenzhen firmly implements the positioning of the house is for living, not for speculation, firmly implements the central real estate regulation and control policy, and strictly implements the new Shenzhen eight articles promulgated on July 15; it is also further strengthening the housing supply and security, and accelerating the construction of housing supply and security with multi-agent supply, multi-channel security and simultaneous rent and purchase System, efforts to make the market return to rationality, and promote the stable and healthy development of Shenzhen real estate market. Source: Chen Hequn, editor in charge of Economic Observer_ NB12679

From the present point of view, strict inspection of the source of down payment funds, bank flow, not allowing non lineal relatives to guarantee the mortgage loan, etc., are temporarily limited to the individual new market which has recently entered the market and the hot new market which is about to enter the market. The ultimate goal is to drop the board into the phenomenon of investors gathering.

However, Zhang xuefan also mentioned that Shenzhen firmly implements the positioning of the house is for living, not for speculation, firmly implements the central real estate regulation and control policy, and strictly implements the new Shenzhen eight articles promulgated on July 15; it is also further strengthening the housing supply and security, and accelerating the construction of housing supply and security with multi-agent supply, multi-channel security and simultaneous rent and purchase System, efforts to make the market return to rationality, and promote the stable and healthy development of Shenzhen real estate market.