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人民银行日前发布《关于规范住房金融业务的通知》,要求对住房开发贷款和个人住房抵押贷款进行严格审查和评估,以整顿住房金融市场秩序,防范住房贷款风险,促进住房金融进一步发展。 一、商业银行应严格审查住房开发贷款发放条件。住房开发贷款对象应为具备房地产开发资质、信用等级较高的房地产开发企业,贷款应主要投向适销对路的住宅开发项目,企业自有资金应不低于开发项目总投资的30％,开发项目必须
The People’s Bank of China recently released the Notice on Regulating Housing Finance Business, demanding strict examination and assessment of housing development loans and personal home mortgage loans in order to rectify the housing finance market order, prevent housing loan risks and promote the further development of housing finance. First, commercial banks should strictly review the conditions for the issuance of housing development loans. Housing development loan object should be qualified real estate development, credit rating higher real estate development enterprises, loans should be mainly marketable residential development projects, the company’s own funds should not be less than 30% of the total investment in development projects, development projects have to