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9月2日,中国银行业监督管理委员会公布并开始实施《商业银行房地产贷款风险管理指引》,《指引》作出明确规定:借款人住房贷款的月房产支出与收入比应控制在50%以下,月所有债务支出与收入比应控制在55%以下。《指引》规定,商业银行不得违反个人住房贷款政策中有关贷款年限和贷款与房产价值比率等方面的规定;应通过借款人的聘用单位、税务部门、工商管理部门及征信机构等独立的第三方进行
On September 2, CBRC announced and started to implement the “Guidelines for Real Estate Loan Risk Management of Commercial Banks”, which clearly stipulates that borrower’s monthly loan-to-real-estate expenditure and income ratio should be controlled below 50% All debt-to-income ratio should be controlled below 55%. The Guidelines stipulate that commercial banks shall not violate the stipulations in the individual housing loan policies regarding the length of loans and the ratio of loans to real estate value. Commercial banks shall, through independent borrowers’ employer units, tax authorities, business administration departments and credit bureaus, Tripartite