Xinhua (2003-06-18 10:26:20) source: Ministry of construction site silver [people's Bank of China branches, 2003]121, business management Department, the State-owned commercial banks, joint-stock commercial banks: in order to further implement real estate credit policies, and prevent financial risks, promoting healthy development of real estate finance, real estate credit business management requirements are hereby notified as follows: first, strengthening the management of real estate development loan, guide specification for loan Real estate development loans for real estate development qualification, higher credit ratings, no arrears of real estate development enterprises. Loans should focus on supporting the purchasing power of the low-income families in housing projects, large, large area, luxury rooms, villas and other projects should be appropriately restricted.
Vacancy in a large amount of real estate development enterprise with high debt rate, approving new real estate development loans and strictly monitored.
The commercial bank should strictly enforce the construction, the State Planning Commission, the Ministry of finance, the Ministry of land and resources, people's Bank of China, the State administration of taxation on strengthening the macro-control to promote the healthy development of the real estate market real estate market opinions (built housing [2002]217), without obtaining the land use right certificates, land planning permit project, construction project planning permit and construction permit shall not be granted any form of loan. Commercial bank lending to the real estate development enterprise applications can only be issued through real estate development loan account, no real estate development loans and other forms of loan account payments. Non-real estate lending real estate development enterprises, commercial banks in accordance with the principle of not receiving implementation.
Real estate development enterprises to apply for bank loans, its own funds (refer to the owner's equity) should not be less than development projects with a total investment of 30%.
Real estate lending commercial banks can only be used for real estate projects in the region, used across regions is strictly prohibited. Second, strictly control the issuance of land reserve banks should standardize the management of Government land reserve institution, prior to the enactment of the land reserve loan management, careful making such loans.
Loans for mortgages for its land bank agencies, loan amount may not exceed the assessed value of land acquisition 70%, term of the loan shall not exceed 2 years.
Shall not be issued to real estate development enterprises in commercial banks for loans to pay land transfer. Third, standardize building construction enterprises ' working capital loans commercial banks to strictly prevent construction enterprises using Bank loans to fund real estate development projects. Construction of real estate projects construction enterprise can only be required to obtain working capital loans for the purchase of construction equipment (cranes, excavators, bulldozers, etc). Business loans for other purposes, the managing banks within the misappropriated funds and to inform other local commercial banks business malpractices, the commercial banks should no longer provide credit support to the enterprises.
Own funds, accounts receivable of construction of real estate projects construction enterprise, commercial banks should limit their lending. Four, strengthen the management of individual housing loans, focus on supporting the needs of low-income families buy housing in commercial banks should further extend the coverage of individual housing loans, expand housing loans of the target group. To reduce the burden of unnecessary interest of the borrower, can only be purchased on the main structure of commercial bank has capped individual individual housing loans of the housing.
Borrowers apply for personal housing loans to purchase the first set of owner-occupied housing, down-payment is still in the 20% provisions to buy a second or more (second) House, should increase the ratio of down payment. Granted individual housing loans of commercial banks should be registered in the local people's bank credit registration consultation system, detailing the borrower's loan amount, loan term, the borrower and his or her spouse's ID number.
In front of individual housing loans in commercial banks, should go to the credit registration consultation system query. Five, strengthening management of personal commercial housing loan borrowers to apply for personal loans against commercial property lending ratio shall not exceed 60%, loan period should not be longer than 10 years, the purchase of commercial housing for the completion of the housing.
For borrowers with "commercial and residential housing" applying for bank loans, commercial banks shall be in accordance with personal commercial housing loan management regulations.
Six, and full play interest rate lever on personal housing loan needs of regulation role on borrowing people application personal housing loan purchase housing reform room or first sets since live housing of (luxury room, and Villa except), commercial banks according to people's Bank of China announced of personal housing loan interest rate (shall not floating) implementation; purchase high-end housing, and Villa, and commercial with room or second sets above (containing second sets) housing of, commercial banks according to people's Bank of China announced of earlier with grade loan interest rate implementation. Qi, strengthening personal housing accumulation fund entrusted loan business of the commercial bank should strictly implement the people's Bank of China issued the notice on strengthening credit management of housing accumulation Fund (Silver [2002]247) regulations, strengthening account management, straighten out the trust relationship, for violations of the provisions of the Act should be corrected immediately.
Delegate to a housing loan business is limited to personal housing accumulation Fund loan, use other housing funds (including units housing, housing subsidies, housing repair funds etc) entrusted loan business, the commercial banks are not allowed to undertake.
Eight, to enhance the real estate credit business management branch of the people's Bank of China should establish real estate credit business analysis system, implementation of the tracking, surveys, analysis of real estate credit of commercial banks, for violations to ordering commercial banks to correct within, and given administrative penalty according to law.
People's Bank of China branches, business management Department will forward this notification to the districts in the urban commercial banks, urban and rural credit cooperatives. The June 5, 2003