Guangzhou realty 广州房产

asked: “affordable housing development loan management approach” introduced the background of that?

A: The Central Committee and State Council has always attached great importance to residents of the housing problem, and always resolve the housing difficulties of low-income families in an important position. Affordable housing construction is guaranteed by the state of an important component of housing construction in 1999, the PBOC promulgated the “affordable housing development loans Provisions” (hereinafter referred to as “Provisional Regulations”), norms affordable housing credit management, in line with the Government good affordable housing development and construction work. As of December 2007, commercial banks paid to the development of affordable housing loans reached 50.892 billion yuan. August 7, 2007, the State Council issued “on the settlement of the housing difficulties of urban low-income families, a number of opinions” (National Development 〔2007〕 24) (hereinafter referred to as “Several Opinions”), require more low-cost housing and affordable financial support for housing construction. According to this guiding spirit of the People’s Bank, China Banking Regulatory Commission actively study the relevant supporting policies, and strive to do a good job in the protection of housing development in the financial services. 1999 “Interim Provisions” of the Amendment is the People’s Bank, China Banking Regulatory Commission to seriously implement the “Several Opinions” the spirit of an important work. People’s Bank, China Banking Regulatory Commission will be revised “Interim Provisions” changed its name to “affordable housing development loan management approach” (hereinafter referred to as “methods”), in the interest rate, duration, project capital funds to make special provisions to guide the relevant financial institutions in risk based on the controllable support government-led development and construction of affordable housing, and further financial institutions play in solving the housing difficulties of low-income families the role.

asked: “methods” What are the main contents? Answer: The People’s Bank, China Banking Regulatory Commission in recent years, combined with financial institutions in affordable housing development loan in the practical experience and the views of the departments concerned, in the “Interim Provisions” based on the amendment. “Measures” the contents of a total of 18, defined the affordable housing development loans positioning, loan eligibility, and standardize the loan period, interest rate management, and strict regulatory requirements to loan capital, so financial support is a clear policy, but also pay attention to guarding against financial risks and policy-oriented and continuity, stability, but also left room for innovation in banking.

asked: “methods” which reflects the economic application of the strong support of housing construction? A: The “approach” from a number of aspects to encourage financial institutions to increase affordable housing development’s financial support.

First of all, to expand the scope of the lender. With the “Interim Provisions” compared to “measures” set forth in the lender a wider range, with the exception of state-owned commercial banks and housing savings banks, but also an increase of joint-stock commercial banks and other banking financial institutions.

Secondly, the relaxed conditions for loan applications. “Measures” the provisions of affordable housing loans for capital projects total investment of the project shall not be less than 30%, which is lower than the general commercial real estate projects shall not be less than 35 percent requirement.

Third, a clear preferential interest rates. The “Interim Provisions” loan interest rate stipulated by the People’s Bank of China with the level of implementation of the statutory loan rate; “approach” explicitly proposed the “lending rate by the People’s Bank interest rate policy implementation, can be appropriate to float downward, but the ratio to fall no more than 10% & rdquo ; requirements.

Fourth, the relaxation of the loan period. The “Interim Provisions” requested affordable housing development loan shall not exceed a maximum period of 3 years; “approach to” clear the loan period of 3 years in principle, but taking into account the individual cities may develop into a piece of affordable housing, required a longer development time situation, has done a special provision, the loan period may be extended to 5 years. Fifth, strengthen the management of funds. At the operational process, in order to ensure that loan funds for affordable housing project construction, the “measures” clearly calls for affordable housing development loan project in principle, be closed management

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Chinese version:央行:经适房开发借款人实收资本不得低于1千万

问：《经济适用住房开发贷款管理办法》出台的背景是什么？

答：党中央、国务院一直以来都高度重视居民住房问题，并始终把解决低收入家庭住房的困难放在重要位置。经济适用住房建设是国家保障性住房建设的重要组成，1999年人民银行颁布了《经济适用住房开发贷款管理暂行规定》（以下简称《暂行规定》），规范经济适用住房的信贷管理，配合政府做好经济适用住房的开发建设工作。截至2007年12月，商业银行发放的经济适用住房开发贷款余额已达508.92亿元。2007年8月 7日，国务院发布了《关于解决城市低收入家庭住房困难若干意见》（国发〔2007〕24号）（以下简称《若干意见》），要求加大对廉租住房和经济适用住房建设的金融支持。根据这一指导精神，人民银行、银监会积极研究相关的配套政策，努力做好保障性住房发展的金融服务工作。对1999年《暂行规定》的修订就是人民银行、银监会认真落实《若干意见》精神的一项重要工作内容。人民银行、银监会将修订后的《暂行规定》更名为《经济适用住房开发贷款管理办法》（以下简称《办法》），在利率、期限、项目资本金方面做出特殊规定，以引导有关金融机构在风险可控的基础上支持政府主导的经济适用住房开发建设，进一步发挥金融机构在解决低收入家庭住房困难方面的作用。

问：《办法》的主要内容是什么？答：人民银行、银监会结合近几年金融机构在经济适用住房开发贷款中的实践经验和各有关部门的意见，在《暂行规定》基础上进行修订。《办法》共十八条内容，明确了经济适用住房开发贷款的定位、借贷主体资格，规范了贷款期限、利率管理，严格贷款资金管理要求，做到既明确金融支持政策，又注重防范金融风险，既注重政策连续性、稳定性，又为银行业务创新留下空间。

问：《办法》中哪些规定体现了对经济适用住房建设的大力支持？答：《办法》从多个方面鼓励金融机构加大对经济适用住房开发的金融支持力度。

首先，扩大了贷款人范围。与《暂行规定》相比，《办法》中规定的贷款人范围更广，除国有商业银行和住房储蓄银行外，还增加了股份制商业银行等其他银行业金融机构。

其次，放宽了贷款申请条件。《办法》规定经济适用住房贷款项目的资本金不得低于项目总投资的30%，低于一般商业性房地产项目不得低于35%的规定。

第三，明确了利率优惠政策。《暂行规定》要求贷款利率按中国人民银行规定的同档次法定贷款利率执行；《办法》中明确提出了“贷款利率按人民银行利率政策执行，可以适当下浮，但下浮比例不超过10%”的规定。

第四，放宽了贷款期限。《暂行规定》要求经济适用住房开发贷款期限最长不得超过3年；《办法》明确贷款期限原则上为3年，但考虑到个别城市可能成片开发经济适用住房，所需开发时间较长的情况，做了特殊规定，贷款期限可放宽至5年。第五，强化了资金管理。在具体操作过程中，为了确保贷款资金用于经济适用住房项目建设，《办法》明确要求对经济适用住房开发贷款项目原则上实行封闭管理

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2008-02-04