Bank of China plans to take the lead in raising the loan rate of stock room

Bank of China plans to take the lead in raising the loan rate of stock room
Delay releasing third set and the above housing loan in principle
The insider thinks that may initiate and speculate the guest sell off the source of houses
Announce Bank of China the 23rd real estate credit control measures reveal,China about according to with customer agreement in contract, when the interest adjustment way expires, adjust 0.85, 1.1 times of and 1.2 times in Bench Mark separately the intersection of stock and first set, two, three and the intersection of housing loan and the intersection of interest rate and floating proportion of the above. As to this, the insider says, after Bank of China takes the lead in raising the housing loan interest rate of the stock, the interest expense of the house purchaser of the loan will be aggravated, may initiate speculativeness and investment house purchaser to sell off the source of houses in the hand.
Implement the differential housing loan policy
Bank of China claims, Bank of China carries out the trends, differential policy of lending of personal house strictly, will support residents to buy the set type floor area from house and ensuring house in first set of under 90 square meters actively, continue announcing interest rate of 0.85 time of Bench Mark of the same grade is favourable in the same period for the People's Bank, meet resident's basic housing need. To buy first set house and set floor area in 90 family of the above, the proportion of down payment of the loan is not lower than 30%.
To already utilizing the loan to buy the house, apply for the family that is bought second house of the loan again, the proportion of down payment of the loan is not lower than 50%, the interest rate is not lower than 1.1 times of Bench Mark. Restrain various purpose from speculate building strictly and speculativeness purchase house, delay, release third and housing loan the above in principle.
It is not the local that the locality pay taxes it is proved that the identification or social insurance is paid to unable to offer more than 1 year, delay releasing and buying the housing loan.
Bank of China show, support the intersection of economy and comparative development, room rate it fluctuates to be relatively steady taking demand of living alone as main city high-quality the intersection of real estate and development item especially, development and construction of low price, middle short set of stamps type ordinary commodity apartment while supporting in a more cost-effective manner, support to list in the project of living in peace of focal point of the local government's construction plan actively.
To overheated to develop recently, beyond there last area too fast is department investment demand, control the loan strictly. For have land leave unused, fry, seal records of rare sale, corner source of houses, bid up room rate, false the intersection of individual and the intersection of person who grant the loan and behavioral real estate investment enterprise, do not release the new loan.
Carry out the project capital of the real estate strictly to require, improve entry standard, credit condition and loan pledge standard, release the loan and regard construction in process as the mortgage newly. Adjust the loan to count dynamically, the total value of the loan can't exceed 50% of the construction in process. The strict loan is closed and managed, prevent the debtor from diverting the fund.

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