This article is from the WeChat public account: MizhaiPlus , author: Feng Hui, from the title figure: Figure worm

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New year and new weather, this is not just a few days after New Year’s Day, all kinds of heavy information comes one after another!

The most important thing for our people is the news that the second-generation personal credit information system will be launched soon.

In fact, as early as April 2019, the news that the personal credit information system will be launched on May 1st has been circulated by real estate agencies. What are the unpaid utility bills that affect your home purchase eligibility? A false divorce will not be able to enjoy the preferential interest rate on the first home loan, etc. The result was quickly rejected by the central bank.

Obviously, the purpose of the intermediary is to take advantage of the opportunity to force the hesitant buyer to buy a house in time to improve its performance.

So is this rumor true or false?

First, it was uploaded on the annual meeting of the central bank that just ended on January 05. This year, the second-generation credit reporting system will be steadily promoted, and personal credit information security management and personal privacy protection will be strengthened.

In the following days, various news media also quoted information leaked by informed sources:

The central bank will launch the second-generation personal credit reporting system on January 20 and provide enquiries. However, the personal credit reporting function is expected to be delayed until May.

At the same time, the Central Bank Credit Report Center also issued an announcement:

In order to improve service capabilities, the personal credit information service platform is planned to be upgraded from 17:00 on January 14, 2020 to 8:00 on January 19, 2020, and external services will be suspended at that time.

The meeting will be adjusted first, then the insiders will give a briefing, and then the relevant organizations will prepare in advance. This set of fixed procedures will come down. Those who are familiar with the official routine will definitely understand that the second generation of personal credit information system will be launched. Already nailed.

So after the operation of what is known as the “strictest credit information system in history”, will it really be monitored as rigorously as various media have advertised? How much does it affect our average home buyers?

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To be sure, the news that the new version of the credit information system is online is most concerned by buyers.

Especially for buyers who have implemented a “false divorce” and are ready to take out a loan to buy a house, their mood is even more urgent.

After all, the so-called “false divorce” also really received a divorce certificate. If it is not for the divorce, one party can enjoy the benefits of the first home purchase, and no one is willing to take the risk and test the other party’s loyalty.

So when a couple buys a house after marriage, which type of loan will be credited? Will credit information change after divorce?

These issues are closely related to home buyers, and today I will give you a clear explanation, so that you will no longer be confused, and will be confused by the words of the real estate consultant.

First of all, couples buy a house after marriage, and there are two forms of signing a loan contract;

(1) Both husband and wife purchase a house, such as husband Li Lei, who signed a house purchase contract and a loan contract alone

If the husband and wife divorce and the property is separated, the husband owns the house, and the wife Han Meimei, who has not signed a loan contract, purchases the house again and will enjoy all the first set of preferential policies.

In this case, his wife Han Meimei will show no loan record under her name in the credit reporting system.

The new and old versions of the credit reference system both implement the same regulations and have not changed.

Special explanations here. When buying a house after marriage, whether or not the couple signs the real estate certificate, they belong to the marriage property. They are jointly owned by the couple, so don’t get me wrong!

(2) Both husband and wife buy a house after marriage, and the two of them sign a home loan contract. One is the main lender (such as her husband) and the other is the sub-lender (such as his wife).

If the second lender Han Meimei buys a house again after the divorce, this is the biggest change involved in the new and old version of the credit reporting system.

In the current credit reporting system, even if the husband and wife share the mortgage, the central bank credit reporting system only displays the loan information of the primary lender, and the credit report of the sub-lender will not show it.

In this case, after the couple divorces, Han Meimei, the sub-lender, can be a white household and fully enjoy the various benefits of the first suite, includingIncluding down payment ratio, floating limit, deed tax limit and so on.

However, with the update of the second-generation credit reporting system, the concept of “common borrowing” has been promoted.

If the husband and wife jointly sign the mortgage, the main lender and the sub-lender will no longer be distinguished, and the credit information system will fully reflect the debt situation of the two.

Even if a divorce occurs and a sub-loan buys a house again, Han Meimei will show that he has a history of loans. In some cities that “recognize and loan”, they cannot enjoy the various preferential policies brought by the first home. .

The above content, most media are rushing to report and repost, which is also the most worrying part of some home buyers. “Fake marriage” means won’t work.

So are these media interpretations correct? Right but incomplete!

Many reports haven’t noticed. On April 22, 2019, the Central Bank issued a reporter’s question specifically, “People’s Bank of China Credit Reporting Center Responsible Person’s Answer to Questions Related to the Construction of Credit Reporting System” / p>

About the construction of the credit information system, in Article 7, it specifically talked about:

Why consider collecting “common borrowing” information?

The popular explanation is that after the new version of the credit reporting system is launched, as creditors, both husbands and wives’ credit reports will reflect the debt and loan information.

Based on the principle of “respecting the facts”, subsequent changes in the subject of borrowing, and credit information will be updated in a timely manner. As the detailed implementation rules have not yet been issued, according to the author’s understanding.

The credit information of co-payers with high probability should be changeable under certain conditions.

For example, a house bought by a couple after marriage, with the husband as the main lender and the wife as the sub-lender to pay off the loan together.

After the divorce, if the husband obtains the real estate, the wife who does not directly bear the loan can apply to the financial institution, timely change the co-loan information, and update his credit history and liabilities.

If it is finally confirmed that this can be done, after the couple is divorced, the person without the house can still enjoy all the benefits of the first house through the change of information.

Of course, this is just a word of the family, the final interpretation right, everyone still looks forward to the implementation details of the credit reporting system issued by the central bank!

But after divorce, the interests of the disadvantaged groups in buying a house still need to be considered. After all, there are still very few “false divorces”, and you can’t eat them because of mischief!

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In fact, upgrading the credit information system also involves other aspects of life in the future.

(1) The new version of credit information is updated in a more timely manner


Over the past various banking institutions Information Update Time: 30 days; after the reform and update information: T + 1 Tian

Perhaps the average home buyer doesn’t quite understand the impact of the change.

Actually, this is a trick for some real estate speculators to use the loopholes in bank credit to achieve concurrent application for the first home loan.

In the future, this situation of illegal real estate speculation will be eliminated.

(2) The new version of credit information is more specific

In the past, large installment credit cards such as car parking loans and decoration loans, the credit collection only reflected credit cards, not the installment amount.

In the future, the new version of the credit information system will be more specific, more detailed, and fully reflect the details of personal credit.

(3) The new version of the credit information system will be more comprehensive

In addition to the academic information, employment information, and household registration information in the usual sense, all personal mobile phone numbers and detailed residence information in recent years will be recorded in detail.

Further prevent some old Lai, avoid frequent personal debts by frequently changing mobile phone numbers and places of residence.

(4) The new version of the credit information system will include more information about life in the future, such as records of utility bills, telecommunications fees, etc., to help establish a more comprehensive credit system.

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The last thing I want to say is, do n’t consider the new version of the credit reporting system as a beast of flood.

The establishment of a more comprehensive and comprehensive credit information system is the only way for social and economic development.

First of all, the new version of the credit reporting system checks and fills in personal credit information, and does not involve the country’s overall credit policy. The trend of the real estate market still depends on population, land, and policies, and there is no need for excessive interpretation.

Secondly, the upgrade of the personal credit information system is precisely to curb the increasing individual real estate speculation. The property market has no such speculative operations. It may not be a good thing for buyers who just need a house.

Finally, the establishment of the personal credit information system is not to curb everyone’s borrowing. On the contrary, it is the ultimate goal to help creditworthy borrowers and obtain better financial loans.

Personal credit will be more valuable in the future, and it will even become an individual’s second “identity card.”

Without it, in the world of the economy, it will be very difficult.

So, stay away from high-risk behaviors such as credit card cashing, microfinance, guarantees for others, cherish your credit, and do n’t overdraft!

This article is from the WeChat public account: Mi House (MizhaiPlus) , Author: peak back