Multi -place banks "relay loans" quietly conduct industry people: not much demand, limited impact on the property market

China Times (chinatimes.net.cn) reporter Lu Mengxue Ran East Beijing report

"Which real estate do you want to buy? What is the reason why you want to make a relay loan?"

After repeatedly confirming the authenticity of using the willingness to buy a house, the employees of a large house intermediary in Guangzhou finally met with the reporter of the China Times: You can get a relay loan, but because the supervision is relatively strict, the main banks are willing to "connect to the connection. one". The market generally speculate that this model is "loosening" for the property market purchase restriction policy.

On August 18, a reporter from the Huaxia Times investigated that most real estate and banks in Beijing, Tianjin, Guangzhou and other places can handle "relay loans". The intermediary is carried out, that is, the bank only opens to the house intermediary channel.

Zhang Dawei, chief analyst of Zhongyuan Real Estate, told the reporter of the Huaxia Times that the relay loan business could be handled in many areas, but it has been relatively obscure. Due to the trouble of the formalities and the high processing costs, many banks are not willing to open this business. The recent open loan loans in some areas are actually related to the insufficient demand for bank loans and the urgent stimulation of the property market. But in general, the relay loan is mainly for buyers with more than two houses. This type of demand is not much in the market, and its impact on the property market is also limited.

Parents and children repay mortgage

"You can apply for a relay loan."

On August 18th, Li Shuangqiang (a pseudonym) of a large housing intermediary in Beijing made it clear to the reporter of Huaxia Times: "Most banks in Beijing can accept this business."

"Before the relay loan, you can do it." Li Shuangqiang introduced that the relevant audit conditions and processes of the business are basically the same as the personal mortgage, but the steps of reviewing the parents of parents Can."

The so -called "relay loan" refers to buying a house with parents to buy a house. When the parent loan period is limited or the repayment of the loan is limited, the children as joint borrowers shall bear the liability for repayment together.

Li Shuangqiang told the reporter of the Huaxia Times that after handling the relay loan, the qualifications of their children's first house did not affect. If the parents are given the house to their children, they are equivalent to "gifts". They need to pay 3%of the deed tax and the 10,000th printed tax. (The data here is the intermediary caliber).

This also means that the previous recognition of the house and the loan policy have been relaxed to a certain extent.

Unlike Li Shuangqiang's frankness, Liu Mei (pseudonym) in Guangzhou's house is more cautious.

After repeatedly confirming the rationality of the demand for relay loans, Liu Meicai changed the saying that "now basically does not do relay loans, because supervision prohibitions" said, saying that it is necessary to see that the bank does not receive orders according to the real estate. After communication, Liu Mei said that a star real estate can cooperate with the state -owned bank to handle relay loans. "Most of them were small banks and shares before."

The bank's caliber is relatively consistent. In the face of the reporter's consultation as a buyer, they all said they could not do the "relay loan" business. ","

On the whole, the "relay loan" business is a non -public agreement reached between real estate agencies and banks.

Policy loosening, but limited stimulus effect

In fact, the relay loan models in many regions have not been recognized by supervision.

In 2016, Shanghai issued the "Resolution on Effectively Implementing the Order of the Real Estate and Financial Market" in the "Real Estate Real Estate Regulation Spirit of Real Estate Regulation and Right". Methods such as responsibility and other methods to avoid regulatory policies and housing credit management regulations.

In April of this year, Guangzhou was hotly debated by the market for reporting the news that can be processed.

On August 4 this year, the Beijing Housing and Construction Commission released the "Multi -measures to improve the quality of the living of elderly families to create a friendly community", which mentioned that considering that most elderly families have a relatively weak ability to buy house purchase, due to age reasons, the loan period of loan is also subject to age. In order to effectively solve the actual difficulties in buying houses for elderly families, preferential conditions for the elderly to buy a house for the elderly within a specific range, including "allowing their children to apply for a loan as a joint borrower."

Among them, the specific scope referred to the above documents refers to the buyers who must be the elderly family (60 years old and above) in the central urban area of ​​Beijing, and the purchase of three pilot projects (that is, the Pingxi Prefecture, Shunyi District, Fushuo, Shunyi District, etc. ), And relocated the hukou to the location of the pilot project, and asked for the elderly families to have no housing and no loan.

The market generally believes that "allowing their children to apply as a joint borrower to apply for a loan" is equivalent to clarifying the feasibility of relay loans.

As far as the actual situation of Beijing, the processing loan is not limited by the conditions of three pilot areas. This model exists before the above documents are released. Communication, it is not difficult to handle.

"In the past, when real estate regulation was relatively tight, bank loans had sufficient demand, and the demand for property markets was relatively strong. Banks were unhappy to handle such businesses. "On August 18th, Zhang Dawei, chief analyst of Central Plains Real Estate, told the reporter of Huaxia Times that compared with ordinary personal house loans, the procedures for relay loans are more complicated. The cost is higher, so the bank was unwilling to connect with such business before. The "Financial Statistics Report in July 2022" released by the central bank shows that in July, RMB loans increased by 679 billion yuan, an increase of 404.2 billion yuan year -on -year. From the perspective of the sub -department, household loans increased by 121.7 billion yuan, an increase of 284.2 billion yuan year -on -year. Among them, medium- and long -term loans increased by 148.6 billion yuan, a year -on -year increase of 248.8 billion yuan.

"Another reason is that relay loans are suspected of real estate speculation." Zhang Dawei pointed out that most of the buyers who have the demand for relay loans are three houses and above. "Generally, the children who use relay loans. After that, you can continue to buy the house by the number of parents through relay loans. "

"Huaxia Times" reporter learned during the investigation that the current loan policy of the two -suite is relatively loose, and the bank's review is not strict, so many buyers choose to use operating loans to do mortgage. During the consultation process, some bank customer managers actively promoted this method to reporters, but the children needed to be the company's legal person, and the company's flowing water to meet the coverage conditions of mortgages. However, compared to the business loan, the loan period for relay loans is longer.

"Therefore, there are not many demands for such relay loans. In the end, the irritating effect on the property market is limited. It is more symbolic significance and reflects the loosening of the housing purchase policy." Zhang Dawei pointed out.

Editor -in -chief: Meng Junlian Editor: Zhang Zhiwei

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