Regulatory Authorities Warn Commercial Real Estate And Two Or Three Line Property Market Risks
Sources 12, reporters revealed that many
Bank
Recently, we received the notice from the regulatory authorities on risk prevention, demanding high vigilance for commercial real estate in the recent heated speculation. Banks should pay close attention to the two or three line urban real estate market risk of investment speculation and not taking restriction measures.
Banks, especially non-financial institutions, should not be too hot headed to increase credit input blindly.
Sources said that the notice called for strengthening the monitoring of non housing loans such as commercial housing mortgage loans and personal consumption loans. The credit standards for commercial housing must be substantially higher than that of housing, and more efforts should be taken to combat fake contracts, fake mortgages, mortgage loans and fake mortgages.
In addition, banks must strictly implement the "list system" management and development loans to two basic requirements for mortgages in construction projects, increase risk detection frequency, strengthen timely valuation and continuous management of mortgages, and prohibit the renewal of loans and new loans.
At the same time, banks should increase support for low-income housing, public rental housing and shantytowns.
The loan interest rate shall be implemented according to the interest rate policy of the people's Bank of China, and the term of the loan shall not exceed 15 years in principle.
After the project is completed, it must repay the principal and interest two times a year.
We encourage the granting of loans in syndicated loans.
stay
capital
On the gold side, the notice emphasized that only 20% of the project capital was in place to grant loans. The capital of the project must be real and in full.
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