The first is to stabilize real estate development loans.
Adhere to the "Two Unswervings" and treat all kinds of real estate enterprises, such as state-owned and private enterprises, equally. Encourage financial institutions to focus on supporting the steady development of real estate enterprises with perfect governance, outstanding main business and good qualifications. Financial institutions should reasonably distinguish the risks of project subsidiaries and group holding companies, and meet the reasonable financing needs of real estate projects in accordance with the principle of marketization on the premise of ensuring the security of creditor's rights and the closed operation of funds.
Second, support the reasonable demand for individual housing loans.
Support all localities to implement differentiated housing credit policies according to national policies, reasonably determine the down payment ratio of local individual housing loans and the lower limit of loan interest rate policies, and support rigid and improved housing demand. Encourage financial institutions to reasonably determine the specific down payment ratio and interest rate level of individual housing loans according to their own operating conditions, customer risk status and credit status.
Third, stabilize the credit supply of construction enterprises.
Encourage financial institutions to optimize credit services for construction enterprises on the basis of controllable risks and sustainable business, provide necessary loan support, and maintain sustained and stable financing for construction enterprises.
Fourth, support the reasonable extension of stock financing such as development loans and trust loans.
For stock financing such as development loans and trust loans of real estate enterprises, on the premise of ensuring the security of creditor's rights, financial institutions and real estate enterprises are encouraged to negotiate independently on the basis of commercial principles, and actively support them by extending stock loans and adjusting repayment arrangements to promote the completion and delivery of projects.
Verb (abbreviation of verb) keeps bond financing basically stable.
Support high-quality real estate enterprises to issue bonds for financing. Promote professional credit enhancement institutions to provide credit enhancement support for real estate enterprises with overall financial health and short-term difficulties.
Intransitive verbs maintain the financing stability of asset management products such as trusts.
Encourage asset management products such as trusts to support the reasonable financing needs of real estate. Encourage financial institutions such as trust companies to speed up business transformation, support the reasonable financing needs of real estate enterprises and projects in accordance with the principles of marketization and rule of law on the basis of strictly implementing the regulatory requirements for asset management products and doing a good job in risk prevention and control, and provide financial support for real estate enterprise project mergers and acquisitions, commercial pension real estate, rental housing construction, etc. According to laws and regulations.
Baidu Encyclopedia-Financial Support Policy