On January 25, we learned from a number of real estate agents that the property purchase tax loan product launched by ICBC for the Shanghai area was suspected to be suspended. A person from a well-known real estate agency said that the ICBC tax loan product has been discontinued since January 22. However, if you can secure a house within this month, you can still go through the process without paying extra. ?This business can no longer be operated. It was stopped some time ago because in the past, you could pay taxes by credit card in the trading center, but now you can't. ?Another real estate agent said so.

A personal loan manager from a relevant branch of ICBC Shanghai Branch also told The Paper that tax loan-related products have been discontinued. However, as of press time, ICBC Shanghai Branch has not responded to this matter. Among such products of ICBC, the more well-known is the Juyidai special installment credit card. Yidai Credit Card is a credit card product issued by the Industrial and Commercial Bank of China that is oriented to the public, linked to merchants, and can be used directly for consumption. It is the first dedicated consumer installment credit card in China. In addition, ICBC Shanghai Branch also offers products such as Shanghai Dream Credit Card.

Take the Shanghai Dream Credit Card as an example. This card is an installment credit card issued by the Shanghai Branch of ICBC to meet customers’ large-amount consumption needs derived from home purchases. It has no annual fee and is available in express and regular versions. The express version can only be used for e-installment, while the regular version can be used for home decoration, car purchase, travel and other purposes after purchasing a house. It does not have functions such as transfers and cash withdrawals. It is worth mentioning that on the evening of January 21, Shanghai issued the "Opinions on Promoting the Stable and Healthy Development of the City's Real Estate Market" (hereinafter referred to as the "Opinions"), which put forward new requirements on the basis of the existing purchase restrictions, that is, for If a couple purchases commercial housing within three years of their divorce, the number of housing units they own will be calculated based on the total number of housing units owned by the family before the divorce. Since then, Shanghai’s foreclosed houses have been included in the scope of housing purchase restrictions.

It can be seen that in recent years, the industrial chain of illegal flow of consumer loans into the real estate market has been repeatedly banned in the real estate market, and some commercial banks are inevitably helping secretly. . This "Opinion" also requires the implementation of real estate loan concentration management, strengthening the prudent management of personal housing loans, guiding commercial banks to strictly control the pace and growth of personal housing loans, and preventing surprise lending. Guide commercial banks to further strengthen loan review management and intensify verification of the source of down payment funds and debt-to-income ratio of home buyers. Strictly prevent credit loans, consumer loans, business loans and other funds from illegally flowing into the real estate market.