New regulations tend to protect home buyers, increase the responsibility of commercial banks, investors in housing guarantee contracts formed in the future.0: 00/4: 06 male homeland The country is getting comments on the draft Circular to replace Circular 07/2015 and Circular 13/2017 regulations on bank guarantee. In that, the draft Circular recorded a series of amendments and supplements In the bank guarantee activities at the future housing projects in the direction of increasing the responsibility of the investor and commercial banks to protect the rights of home buyers. People's responsibilities and master Supporting investment, according to the agency drafting Circular 07/2015 currently does not prohibit specially controlled credit institutions to implement the housing guarantee formed in the future. However, the draft proposal to supplement both regulations that do not prohibit the implementation of housing guarantees in the future with commercial banks in the stage of applying early intervention of the State Bank
. This provision is in accordance with the current Law on Credit Institutions. In particular, cases where commercial banks are considered to apply early but have not yet been put on special control including, failing to maintain the rate of capacity to pay according to regulations for 3 consecutive months; do not maintain the capital adequacy rate for 6 consecutive months; And ranking below the average according to the regulations of the State Bank. At the new draft, the SBV also supplemented the provisions on the housing guarantee contract formed in the future that the commercial bank signed with the investor
NNNN Adding regulations that housing guarantee contracts form in the future Bank signed with the investor must follow. Photo: Nam Khanh. According to current regulations, this contract only requires compliance with real estate business laws. However, the SBV said it was necessary to supplement the regulations to help home buyers to understand their benefits to enjoy their guarantees are only guaranteed when receiving the Bank's guarantee commitment. On the basis, the investor will require the investor to provide the bank's guarantee commitment (in addition to the guarantee contract provided before signing a housing purchase contract). So the State Bank requires a house guarantee contract In the formation in the future, the commercial bank signed with the project investor should comply with the provisions of this Circular. In that contents of the commercial bank guarantee obligation for the buyer only arise after the buyer receives a guarantee commitment issued by the bank. About the issuance process of guarantee commitment to home buyers, within 5 working days from the date of receipt of the purchase and housing contract , the bank will base on the purchase and housing purchase contract and the housing guarantee contract formed in the future to issue a commitment to guarantee for each buyer. In that it must specify the bank only guarantee The advance amount of the buyer pays to the investor after the buyer receives a guarantee commitment, and sending investors to commit to guarantee for the investor to provide the buyer. Newly paying money according to the progress to complete the regulations related to housing guarantee activities formed in the future, the new draft also supplemented regulations on guarantee balance only including the amount of response investors of the buyers after the bank issuing a commitment to guarantee to protect the rights of home buyers
That, only when receiving the bank's guarantee commitment, new buyers pay for the top Private, avoiding the actual period of time through a home buyer has paid money according to the progress but not receiving the bank's guarantee commitment by investors not coordinated to issue. When risks, people have no basis to ask the Bank to fulfill the guarantee obligation. Home buyers will only pay money according to the project schedule when receiving the bank guarantee commitment at the project Housing project formed in the future. Photo: Signal. In addition, this regulation also to avoid cases where home buyers agree with investors who do not receive guarantees to reduce home purchase prices, but when the risk of turning to blame the bank issuing a commitment to guaranteeing. Also according to the new drafting agency, the new draft has added the regulations on the responsibilities of the parties when the investor sends slowly, avoiding the case where the Bank has sold the house but not Receiving a request to issue a commitment to guarantee, home buyers do not receive a guarantee commitment but still pay the house to buy houses ... Accordingly, banks still have to be responsible for issuing guarantee commitments in both the owners Investing to send a contract to buy and rent houses slowly, as long as the bank received before the house to buy and sell the house is busy. before that, Circular 07/2015 does not have regulations related to this operation. New regulations related to housing guarantee activities formed in the future, the draft new Circular of the State Bank also added a series of regulations on bank guarantee activities hip through electronic method; Guarantee for customers who are non-populated (foreigners); And the commitments related to bank guarantee activities ... Quang Thang . Dịch vụ:
Thiết kế website,
quảng cáo google,
đăng ký website bộ công thương uy tín
