Personal housing loan business is one of the major asset businesses of commercial banks. He refers to the loans that commercial banks open to borrowers for the purchase of first-transaction housing (i.e., housing that is developed and constructed by real estate developers or other qualified development entities and then sold to individuals).
In order to further improve the individual housing credit policy, support residents' demand for owner-occupied and improved housing, and promote the stable and healthy development of the real estate market, approved by the State Council, the People's Bank of China has issued a circular on the relevant matters as follows:
1. Continue to do a good job in housing financial services, and to satisfy residents' demand for improved housing
Encourage banking financial institutions to continue to Issue a combination of commercial personal housing loans and housing fund entrusted loans to support the purchase of ordinary housing for residential families. The minimum down payment ratio is adjusted to not less than 40% for a residential family that owns one housing unit and has not yet settled the corresponding purchase loan, and applies again for a commercial personal housing loan to purchase ordinary housing for the purpose of improving their living conditions, with the specific down payment ratio and interest rate level to be reasonably determined by the banking financial institutions in accordance with the borrower's creditworthiness and repayment ability.
2, further play the role of housing provident fund to support reasonable housing consumption
Contributing employee families using housing provident fund entrusted loan to buy the first ordinary housing, the minimum down payment ratio of 20%; have a home and has settled the corresponding home purchase loan of the contributing employee families, in order to improve the living conditions and apply again for housing provident fund entrusted loan to buy ordinary housing, the minimum down payment ratio of 30%. The minimum down payment ratio is 30%.
3, strengthen policy guidance, and do a good job of implementation, supervision and policy evaluation
The People's Bank of China, the CBRC at all levels of the sent agencies should be in accordance with the principle of "local policy, classified guidance", to do a good job of communicating with the local government, and to strengthen the implementation of the banking financial institutions to differentiate housing credit policy supervision; in the national unified credit policy, the credit policy should be implemented in a timely manner, to ensure that the local government is able to implement the policy. On the basis of the national unified credit policy, the CBRC will guide the banking financial institutions to reasonably determine the minimum downpayment ratio and interest rate level for commercial personal housing loans under their jurisdiction; closely track and evaluate the implementation and effect of the housing credit policy, effectively prevent risks, and promote the stable and healthy development of the local real estate market.
"The People's Bank of China China Banking and Insurance Regulatory Commission on the adjustment of differentiated housing credit policy on the relevant issues of the notice" for loans to purchase ordinary self-owned housing resident families, the first set of housing commercial personal housing loan interest rate floor adjusted to not less than the corresponding period of the loan market quoted interest rates minus 20 basis points, the second set of housing commercial personal housing loan interest rate policy floor in accordance with the current regulations. On the basis of the nationally standardized minimum lending interest rate, the People's Bank of China and the CBIRC dispatching agencies, in accordance with the principle of "applying policies according to the city", instructed the market interest rate pricing self-regulatory mechanism at the provincial level to independently determine the minimum interest rate markups on commercial personal housing loan interest rates for the first and second homes of the cities under their jurisdictions in accordance with the changes in the situation of the real estate market in the cities under their jurisdictions and the requirements of the municipal governments for regulatory control. personal housing loan interest rate plus point lower limit.
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