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政策回放:9月28日,中国央行、银监会发布通知,加强商业性房地产信贷管理,这份名为《中国人民银行中国银行业监督管理委员会关于加强商业性房地产信贷管理的通知》.要求严格房地产开发贷款管理,对项目资本金(所有者权益)比例达不到35%或未取得土地使用权证书、建设用地规划许可证、建设工程规划许可证和施工许可证的项目.商业银行不得发放任何形式的贷款,对经国土资源部门、建设主管部门查实具有囤积土地、囤积房源行为的房地产开发企业,商业银行不得对其发放贷款;对空置3年以上的商品房,商业银行不得接受其作为贷款的抵押物。
Policy Review: On September 28, the PBOC and China Banking Regulatory Commission (CBRC) issued a circular to strengthen the management of commercial real estate credit, a circular called “Notice of China Banking Regulatory Commission of the People’s Bank of China on Strengthening Commercial Real Estate Credit Management.” Strict real estate Development of loan management, project capital (owner’s equity) ratio of less than 35% or did not obtain the certificate of land use rights, construction land planning permit, construction project planning permit and construction permit projects.Commercial banks may not issue any In the form of loans, the real estate development enterprises and commercial banks that verify the possession of land and hoarding houses through the departments of land and resources and construction administrations shall not make loans to them; for commercial houses that are vacant for more than three years, commercial banks may not accept them as loans The collateral.