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背景:9月30日下午,中国人民银行、中国银监会发布《关于进一步做好住房金融服务工作的通知》,让楼市为之振奋。针对首套房的贷款标准,《通知》指出,对于贷款购买首套普通自住房的家庭,贷款最低首付款比例为30%,贷款利率下限为贷款基准利率的0.7倍,具体由银行业金融机构根据风险情况自主确定。对拥有1套住房并已结清相应购房贷款的家庭,为改善居住条件再次申请贷款购买普通商品住房,银行业金融机构执行首套房贷款政策。此前银行业金融机构对“首套房”的认定标准非常严格,个
Background: On the afternoon of September 30, the People’s Bank of China and China Banking Regulatory Commission released the Notice on Further Improving Housing Financial Services so as to make the property market very exciting. For the first suite of loan standards, the “Notice” pointed out that the first set of ordinary home loans for the purchase of the loan home loans, the minimum down payment ratio of 30%, the loan interest rate lower limit of 0.7 times the benchmark lending rate, specifically by the banking financial institutions based on The risk situation is determined independently. For those who own a set of housing units and have settled the corresponding purchase loans, they will apply for loans again to purchase common commercial housing for improving living conditions, and the banking financial institutions will implement the first home loan policy. Prior to the banking financial institutions on the “first suite” is very strict accreditation standards