A few days ago, the new mortgage policy was introduced, which met the reasonable demand for personal housing loans in terms of loan interest rate and down payment ratio, but there are still doubts about the interpretation of the new policy. Among them, how to define the "improved ordinary self-occupied housing" that entered people's field of vision for the first time has become the focus of controversy. Reporters learned from a number of banks yesterday that they have not yet received the detailed rules for the implementation of the New Deal from the head office, but they may be introduced one after another next week, including the final explanation of improved ordinary housing. How to define improved housing?
There are two reference standards: below 90 _; Below per capita housing area
"Literally, the improved ordinary self-occupied housing should be the original house. Because of the small housing area, it cannot meet the housing demand. Regardless of whether the original house is sold or not, if you want to buy another ordinary house, it should be called improved ordinary housing. " The relevant person in charge of the retail business department of China Everbright Bank Guangzhou Branch said, but the final explanation still depends on the documents of the head office.
A person from the business department of Agricultural Bank of China Guangdong Branch said that for those who buy improved ordinary housing, it should be able to prove that the existing per capita housing area of the family is more reasonable than that of Guangzhou. Based on Guangzhou's per capita area 19.9 square meters, if the housing area of a family of five is only 60 square meters, and the per capita area is less than 19.9 square meters, if there is a house exchange plan, the house to be bought again should be an improved ordinary house.
Chen Lu, a professor of finance at Jinan University, thinks that it is more likely to take 90㎡ as the definition standard, that is, the original house is below 90㎡, so buying a second suite should not be regarded as speculation, and should enjoy preferential interest rate and 20% down payment. At present, 90㎡ or less is defined as small and medium-sized apartment, which belongs to transitional apartment. In last year's "9.27" new mortgage policy, the first loan to buy a Xing Tao building area of less than 90㎡ can enjoy a 20% discount on the down payment, while the down payment of more than 90㎡ is 30%.
How to calculate the old and new interest rates of mortgage?
Enjoy 0.85 times the preferential interest rate or enjoy 0.7 times the interest rate.
Can those who have already borrowed money to buy the first suite enjoy a more favorable interest rate?
"Although the formal implementation documents have not been received, for the house slaves, if they have already bought the first suite with a loan, they may enjoy a lower interest rate. However, according to the current bank interest rate adjustment method, it will generally be implemented according to the new interest rate standard until 1 of the following year. " The above-mentioned person of the Agricultural Bank of China said, "If the lender has no bad record and originally enjoyed the lowest preferential interest rate of 0.85 times, then the interest rate will be adjusted to 0.7 times, and the repayment pressure will be greatly reduced. However, if the lender originally implemented the standard interest rate or floating interest rate, or had a bad record after the loan, it would not be adjusted. "
Is the second home loan loose?
For the sake of risk control, banks dare not relax the second home loan easily at present.
Although some experts have called for relaxing the second home loan, people in the banking industry said that because the house price has not yet come down and the mortgage risk is high, banks dare not relax the second home loan easily for the sake of risk control.
It is understood that the phenomenon of bank reluctance to lend has not changed much. Judging from the recent growth rate of bank loans, RMB loans decreased by 31300 million yuan in August, the lowest level since June. Although it expanded in September, the new low of money supply will further enhance banks' willingness to lend.
Chen Lu said that since the American financial crisis, banks have paid more attention to the quality of credit assets, especially when the government's regulatory policy has not been completely relaxed, and banks are more willing to invest their funds in large-scale infrastructure construction. However, the further decline of the property market will have a greater negative impact on the overall economy. In fact, the "improved ordinary housing" has relaxed the mortgage to a certain extent, and the second home loan may be further loosened, including the down payment ratio and loan conditions.
Second, the detailed rules for the implementation of refinancing
According to the Law of the People's Bank of China, the Interim Measures for Loan Management of Financial Institutions of the People's Bank of China issued in March 1993 and the Interim Measures for Credit Fund Management issued in February 1994, China's refinancing system mainly includes the following contents: (1) Conditions and duration of refinancing. Any financial institution that is approved by the People's Bank of China, holds a license to engage in financial business, and opens a basic account in the People's Bank of China, can become the object of loans from the People's Bank of China to financial institutions. In addition, the following conditions must be met: the operation of credit funds is basically normal, and the use of loans meets the requirements of national industrial policies and monetary policies; Deposit the deposit reserve with the People's Bank in full and on time in accordance with relevant regulations; The source of repayment funds is guaranteed; It is creditable to repay the loan of China People's Bank; Submit plans, statistics, accounting statements and relevant materials to the People's Bank in a timely manner. The loan period of the central bank to commercial banks is short, and the longest loan period does not exceed 1 year. According to the loan term, it is divided into four grades: within 20 days, within 3 months, within 6 months, and within 1 year. (2) issuance and recovery of refinancing. When a commercial bank applies for a loan from the People's Bank of China, it must fill in the loan application from the People's Bank of China, indicate the purpose of the loan, explain the reasons for the loan, explain the purpose of the funds, affix a valid seal and submit it to the local People's Bank. According to the economic development, tight monetary conditions and loan conditions, the People's Bank of China independently examines and decides whether to lend, whether to lend more or not, the types of loans and the term of loans. When the People's Bank of China issues loans to financial institutions, it must adhere to term management, and the loans must be recovered at maturity. When the loan expires, commercial banks should take the initiative to handle repayment procedures; If the loan is overdue, the People's Bank of China has the right to transfer the loan to the overdue borrower and deduct it from its depositor when necessary. (3) China People's Bank's management of refinancing. Branches of the People's Bank of China shall regularly check the use of loans from the People's Bank of China by financial institutions. If it is found that the loan purpose does not meet the requirements, or the credit investment is unreasonable, it should be urged to make corrections within a time limit. If the correction fails, the People's Bank of China has the right to stop lending to the bank, recover or recover the loan to the bank in advance, and suggest its superior bank to investigate the responsibility of the relevant personnel. Legal basis: Law of the People's Republic of China on the People's Bank of China Article 1 This Law is formulated in order to establish the status of the People's Bank of China, clarify its responsibilities, ensure the correct formulation and implementation of the national monetary policy, establish and improve the macro-control system of the central bank, and maintain financial stability.
Three, bank loans for agriculture "double plus" oriented poverty alleviation model loan management measures
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Measures for the administration of "double-plus" targeted poverty alleviation loans by banks for supporting agriculture
Chapter I General Provisions Article 1 In order to effectively increase funds to support the accelerated development of modern agriculture, these administrative measures are formulated in accordance with the Detailed Rules for the Implementation of the "Double Plus" Directional Poverty Alleviation Model for Re-lending to Agriculture (Trial) and in combination with the actual situation of the Bank.
Article 2 The "double-plus" designated poverty alleviation model in the Administrative Measures is used to provide preferential interest rate loans to borrowers in the "double-plus" designated poverty alleviation project library (hereinafter referred to as the project library), and we will give a certain percentage of the "double-plus" designated loans to our bank.
Article 3 The Bank adheres to benefiting farmers and people, and abides by the national credit system related to the Bank.
Article 4 Banks shall issue loans to borrowers in the project library according to the loan review procedures, and bear all the risks of issuing loans (including re-loans for supporting agriculture and self-owned funds) through this mode of operation.
Chapter II Sources of Funds
Article 5 The credit funds used by the People's Bank of China for the refinancing line of agricultural banks.
Chapter III Loan Object
Article 6 The loan object of this model must be the borrowers included in the project library, that is, the enterprises undertaking the "3 155 Project", enterprises engaged in the trade of civilian products and products, large professional farmers, family farms, farmers' professional cooperatives, agricultural enterprises and other new agricultural business entities and farmers. (4) Opening a settlement account in Wanhe Village Bank Article 12