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一度被炒得沸沸扬扬的零首付住房贷款已悄然退出。中国人民银行行长戴相龙目前指出,当前要加强整顿金融秩序,维护公平竞争的经营环境,特别防止在消费信贷中的恶性竞争,停止发放零首付居民住房贷款、不问用途综合消费贷款。人民银行这一决定引起了社会的广泛关注。 工商银行住房信贷部刘子刚总经理认为,人民银行这一决定很有必要,发放零首付个人住房贷款对银行规避风险十分不利。他告诉记者,工商银行从开办这项业务时就做出严格的规定,个人住房贷款的限额不能超过购房款的80％,以防止
Zero-downpay housing loans, which had been aroused by so many, have quietly been withdrawn. Dai Xianglong, the governor of the People’s Bank of China, pointed out at present that we should step up efforts to rectify the financial order and maintain a fair and competitive business environment. In particular, we should prevent vicious competition in consumer loans, stop issuing zero-down payment residential loans, and do not ask for general consumer loans. The People’s Bank of this decision has aroused widespread concern in the community. Liu Zigang, general manager of the Housing Credit Department of Industrial and Commercial Bank of China, believes that the People’s Bank of China’s decision is very necessary. The issuance of zero down payment of individual housing loans is very unfavorable to the banks in avoiding risks. He told reporters that ICBC made strict rules when setting up this business. The limit of individual housing loans can not exceed 80% of the purchase price to prevent