Households found to Beijing in the second suite mentioned to 50% down payment

Households found to Beijing in the second suite mentioned to 50% down payment

17 delegates, Guo Shuqing, chairman of China Construction Bank on the 13th when interviewed by Xinhua reporters said that the CCB has clearly second housing lender that standard "family" as a unit, and has already Beijing in the second set of the down payment home loans increase the proportion to 50%.

"Households" as a unit, that is to say, no matter who owns both spouses housing, and the other the purchase of housing will be considered at the second shelter.

Delegation of the financial system in the Central resident, Guo Shuqing representatives Comment on the current hot issue of financial macro-control, told reporters that China's housing prices rose really quite fast, and the bank mortgage is not without risk, the bank is very concerned about this. CCB has been under the state's macro-control requirements, the bank itself, as well as the local situation has adopted different measures.

He said that as the specific circumstances of different domestic different, construction firms to develop around the second housing loans rules, will work together with appropriate adjustments for local conditions, the implementation of standards can not be "across the board."

People's Bank of China, China Banking Regulatory Commission on September 27 jointly promulgated the "on the strengthening of commercial real estate credit management notice," the commercial real estate credit policies were adjusted, and make it clear to improve housing loans down payment ratio of the second set.

Despite the increased proportion of second home loans down payment will to some extent affect the CCB mortgage business, but Guo Shuqing said that the bank will strictly implement national real estate financial regulatory policy, one purpose of this policy adjustment is to curb real estate speculation and prevent bank credit risk.

He said that the regulation itself with the real estate complex, involving land, finance, taxation, and many other areas of content. Currently second in raising the proportion of housing loans down payment on the specific impact of house prices in the near future is still difficult to determine, but there is no doubt that the containment apartments will have a direct role.

In 2005, there has been rapid housing price increases in some areas, the obvious contradiction between housing supply structural problems, the central promulgated a series of control measures, and the preliminary results, but there are still real estate market hoarding land hoarding housing, housing construction and consumption patterns to be resolved, such as unreasonable question. By the end of August this year, the National Working Conference urban housing leader of the State Council on strengthening the regulation and control of real estate policies to guide housing demand, further improve differentiated credit control policy was further deployment.