2009年3月14日星期六

“two anteroom loans” policy why hard to solve

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“two anteroom loans” policy why hard to solve “two anteroom loans” policy whether to let loose has become near future market hot spot. Since this policy releasing, market about “two anteroom loans” loose question continuously hard to solve, specially in the real estate market downward adjustment pressure high, the profession stores goods many immediately, the developer hoped that opened the sluice gates one's own wishful thinking which to the investment demand turned on the water with supervision level Yan Kongfang to loan the risk rigid to have the intense collision. in the government work report “to conforms to the condition second set ordinary from the housing buyer, loans the purchase for the first time according to the execution ordinary from the housing preferential policy” a few words, caused some developers to be right the anticipation which “two anteroom loans” will let loose, but Central Bank, the Banking Regulatory Commission people in charge denied afterward this kind of explanation, and said the room loan risk existed throughout, must strengthen the management. similar a few words, why two kind of explanations. It is necessary to review “two anteroom loans” the policy long and short of the story. on September 27, 2007, was suppresses the rise excessively quickly house price, the guard finance risk, Central Bank and the Banking Regulatory Commission had issued jointly "about Strengthened Commercial character Real estate Credit management Notice", from the strict property development loan administration, the housing consumption loan administration and the trade with aspects and so on room loan administration further strengthened to the commercial character real estate credit regulation. And is clear, to has purchased the housing using the loan, also to apply to purchase the second set (including) above the housing, loans the first payment proportion not to be lower than 40%, the rate on loan do not be lower than same time same scale datum interest rate 1.1 times. Because the market to this notice concerned requirements is specially the second anteroom or the multi-anterooms recognized that the standard had the different understanding, Central Bank and the Banking Regulatory Commission had issued in December, 2007 "about Strengthened Commercial character Real estate Credit management Supplement Notice", was clear has recognized the room loan number of times take the borrower family as the unit; Has purchased the first set using the bank loan from the housing family, if the per-capita housing area is lower than the local average level, applies for the mortgage once more to the Commercial bank, may according to the first set from stipulations and so on mortgage policy execution.

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