In April 1 1, Liu said that "the down payment for second homes in some cities must be 60%".
Liu, chairman of the China Banking Regulatory Commission, said at the Boao Forum for Asia that banks have the right to refuse the loan requests of borrowers for real estate speculation.
"At present, some commercial banks will carefully assess the risks of two or more houses. For example, some banks in Beijing have independently and prudently raised the down payment ratio of two or more houses to 60%. " This is in response to media reports that Liu said that "the down payment for second homes in some cities must reach 60%". After attracting market attention, the CBRC came forward to clarify Liu's original words.
The State Council meeting on April 14: 50% down payment is required to buy a second apartment.
On June 5th, 2004, Premier the State Council presided over the the State Council executive meeting to study and deploy policies and measures to curb the excessive rise of housing prices in some cities. The meeting decided to implement a stricter differentiated housing credit policy. For families who purchase the first set of self-occupied housing with a building area of over 90 square meters in Xing Tao, the down payment ratio of the loan shall not be less than 30%; For families who borrow money to buy a second home, the down payment ratio of the loan shall not be less than 50%, and the loan interest rate shall not be less than 1. 1 times of the benchmark interest rate; The down payment ratio and interest rate will be greatly increased if the third and above houses are purchased by loans.
On April 15, the Ministry of Land and Resources ensured that the land for affordable housing, shed-converted housing and self-occupied small and medium-sized ordinary commodity housing was given priority.
On April 15, the Ministry of Land and Resources announced the housing land supply plans of provinces (autonomous regions and municipalities) in 20 10, requiring that the land supply of affordable housing, shed-converted housing and self-occupied small and medium-sized ordinary commodity housing should be given priority according to housing construction plan, the plan and the implementation of funds, and the supply ratio of land for three types of housing should not be less than 70%. If the land supply is less than 70%, the State Land Supervision Bureau will issue a deadline order.
On April 17, the State Council issued the Notice on Resolutely Curbing the Excessive Rise of Housing Prices in Some Cities, and put forward ten measures, which were called "Ten Articles of New China" by the industry.
"Ten Articles of New China" requires:
1. The down payment ratio of family loans for purchasing the first set of self-occupied houses with a construction area of over 90 square meters shall not be less than 30%;
2. To purchase a second house by loan, the down payment ratio of the loan shall not be less than 50%, and the loan interest rate shall not be less than 1. 1 times of the benchmark interest rate;
3, commodity housing prices are too high, rising too fast, tight supply areas, commercial banks can be based on the risk situation, suspend the issuance of the purchase of third and above housing loans;
4. Non-local residents who cannot provide local tax payment certificate or social insurance payment certificate 1 year or more will be suspended from issuing house purchase loans. The local people's government can take temporary measures to limit the number of houses within a certain period of time according to the actual situation;
5. The Ministry of Finance and the State Administration of Taxation should speed up the research and formulation of tax policies to guide individuals' reasonable housing consumption and regulate personal property income;
6, affordable housing, shantytown renovation and small and medium-sized Xing Tao ordinary commodity housing land is not less than 70% of the total supply of housing construction land, and give priority to ensuring supply;
7. In areas where housing prices are too high and rising too fast, the supply of public rental housing, affordable housing and price-limited commodity housing should be greatly increased;
8, pay close attention to the development of 20 10-20 12 affordable housing construction plan (including all kinds of shanty towns, policy housing construction), and announced to the whole society before the end of 20 10;
The circular also requires that the people's governments of all provinces (autonomous regions and municipalities) should conduct an inspection on the business behaviors of real estate development enterprises in the region, promptly correct and seriously deal with illegal acts, and report the inspection results to the State Council before 20 10.
Late at night on April 19, the Ministry of Housing and Urban-Rural Development issued the Notice on Further Strengthening the Supervision of the Real Estate Market and Improving the Pre-sale System of Commercial Housing.
The core content of the notice:
1, strictly implement the real-name purchase registration system. In the notice issued by the Ministry of Housing and Urban-Rural Development a few days ago, it is required that commercial housing should strictly implement the real-name registration system for purchasing houses, and buyers should not change their names without authorization after subscription.
2. The minimum area of the pre-sale permit shall not be less than one building. According to the notice, all localities should strictly manage the pre-sale permit of commercial housing, and reasonably determine the minimum size of the pre-sale permit of commercial housing projects and the project image progress requirements. The minimum size of the pre-sale permit shall not be less than the building size, and the pre-sale permit shall not be handled in layers and units.
3. Commercial houses without pre-sale permission shall not be numbered. In the section on "further strengthening the supervision of the real estate market", the notice requires that in the future, real estate development enterprises shall not subscribe, book, queue up or issue VIP cards for commercial housing projects without pre-sale permission.