The central bank CBRC issued fourth housing consumption gold medals down to 20%-www.274300.cn

Bank of China Banking Regulatory Commission issued fourth gold Shoufu housing consumption fell to the lowest 20% central bank CBRC issued fourth housing consumption "gold" non purchase city first mortgage payment of the minimum 20% – reporter Yan Liliang in February 2nd, the central bank and the CBRC jointly issued the "notice on the adjustment of individual housing loan policy related issues". The notice stipulates that in the city without the implementation of the restriction measures, the residents of the first purchase of ordinary housing commercial personal housing loans, in principle, the minimum down payment ratio is 25%, the region can be down 5 percentage points. That is to say, the proportion of the first payment of the first mortgage of the residents is theoretically the lowest 20%, but it needs to be implemented everywhere. According to the "Securities Daily" reporter verification, this is the central bank, the CBRC issued fourth gold medals for housing consumption". The first gold medal appeared in September 30, 2014. On the same day, the central bank and the China Banking Regulatory Commission jointly issued the notice on further improving the work of housing financial services. Notification requirements, for the purchase of the first loan from the family housing, the minimum minimum loan payment ratio is 30%, the loan interest rate limit is 0.7 times the benchmark lending rate, specifically determined by the banking financial institutions according to the risk situation. The second "gold medal" appeared in March 30, 2015. On the same day, the central bank, the Ministry of housing and urban rural development and the China Banking Regulatory Commission jointly issued the notice on issues related to individual housing loan policy. Notification requirements, encourage banking financial institutions continue to issue commercial individual housing loans and housing provident fund entrusted loans portfolio loans, support for residents to buy ordinary self housing. To have 1 sets of housing and housing loans outstanding households, once again to improve the living conditions for commercial housing loans to individuals to purchase ordinary housing, the adjustment of the minimum down payment ratio of not less than 40%, the proportion of down payment and interest rates by banking financial institutions reasonably determined according to the borrower’s credit status and repayment ability etc.. Third gold medals came out in September 30, 2015. On the same day, the central bank and the China Banking Regulatory Commission jointly issued the notice on further improving the differential housing credit policy issues. The notice stressed that in the cities without implementing the "restriction" measures, commercial housing loans for the first time to buy ordinary housing for the residents, the minimum down payment ratio adjusted to no less than 25%. The central bank, the CBRC stressed in the fourth "gold medal", to have 1 sets of housing and housing loans outstanding to households, the purchase of ordinary housing to improve the living conditions of re apply for commercial housing loans to individuals, to adjust the minimum down payment ratio is not less than 30%. For the implementation of the restriction measures in the city, the individual housing loan policy implemented according to the original provisions. "On the basis of this, the central bank and the CBRC dispatched offices shall be in accordance with the" guidance for policy "principle, strengthen the communication with local government, to guide the market interest rate pricing provincial self-discipline mechanism combined with the local actual situation of different city autonomy to determine the minimum area of the first commercial personal housing loan payment." The notice stressed that the banking financial institutions should be combined with the interest rate pricing of the provincial market

央行银监会发第四道住房消费金牌 首付最低降至20%   央行银监会发出第四道住房消费“金牌”   非限购城市首套房贷首付款最低降至20%   ■本报记者 闫立良   2月2日,央行、银监会共同发布了《关于调整个人住房贷款政策有关问题的通知》。通知规定,在不实施限购措施的城市,居民家庭首次购买普通住房的商业性个人住房贷款,原则上最低首付款比例为25%,各地可向下浮动5个百分点。这也就是说,居民首套房贷首付款比例理论上最低可执行20%的标准,但需看各地执行情况。据《证券日报》记者查证,这是央行、银监会针对住房消费发出的第四道“金牌”。   第一道“金牌”出现在2014年9月30日。当日,央行、银监会联合发布《关于进一步做好住房金融服务工作的通知》。通知规定,对于贷款购买首套普通自住房的家庭,贷款最低首付款比例为30%,贷款利率下限为贷款基准利率的0.7倍,具体由银行业金融机构根据风险情况自主确定。   第二道“金牌”出现在2015年3月30日。当天,央行、住房和城乡建设部、银监会共同发布《关于个人住房贷款政策有关问题的通知》。通知规定,鼓励银行业金融机构继续发放商业性个人住房贷款与住房公积金委托贷款的组合贷款,支持居民家庭购买普通自住房。对拥有1套住房且相应购房贷款未结清的居民家庭,为改善居住条件再次申请商业性个人住房贷款购买普通自住房,最低首付款比例调整为不低于40%,具体首付款比例和利率水平由银行业金融机构根据借款人的信用状况和还款能力等合理确定。   第三道“金牌”在2015年9月30日面世。当天,央行、银监会共同发布《关于进一步完善差别化住房信贷政策有关问题的通知》。通知强调,在不实施“限购”措施的城市,对居民家庭首次购买普通住房的商业性个人住房贷款,最低首付款比例调整为不低于25%。   央行、银监会在第四道“金牌”中强调,对拥有1套住房且相应购房贷款未结清的居民家庭,为改善居住条件再次申请商业性个人住房贷款购买普通住房,最低首付款比例调整为不低于30%。对于实施限购措施的城市,个人住房贷款政策按原规定执行。   “在此基础上,央行、银监会各派出机构应按照‘分类指导,因地施策’的原则,加强与地方政府的沟通,指导各省级市场利率定价自律机制结合当地不同城市实际情况自主确定辖区内商业性个人住房贷款的最低首付款比例。”通知强调,银行业金融机构应结合各省级市场利率定价自律机制确定的最低首付款比例要求以及本机构商业性个人住房贷款投放政策、风险防控等因素,并根据借款人的信用状况、还款能力等合理确定具体首付款比例和利率水平。   该通知强调,加强住房金融宏观审慎管理。央行、银监会各派出机构应强化对房地产贷款资产质量、区域集中度、机构稳健性的监测、分析和评估;督促各省级市场利率定价自律机制根据房地产形势变化及地方政府调控要求,及时对辖区内商业性个人住房贷款最低首付款比例进行自律调整,促进银行业金融机构住房金融业务稳健运行和当地房地产市场平稳健康发展。   英大证券首席经济学家李大霄则对《证券日报》表示,下调首套房首付比例是支持合理住房消费的利好政策,对于促进房地产市场平稳健康发展有正面影响,对于稳定房地产市场和去库存有正面作用,对于房地产股票有重要支持,对于股市稳定也有重要意义。 进入【新浪财经股吧】讨论相关的主题文章: