1, Title, Notice of Three Departments to Adjust Real Estate Credit. Address, the object to be notified.
2, the text. This policy is elaborated in four points. First of all, the minimum down payment ratio for the first set of commercial personal housing loans is not less than 20%, and the minimum down payment ratio for the second set of commercial personal housing loans is not less than 30%. Second, the lower limit of the first set of commercial personal housing loan interest rate policy is implemented according to the current regulations, and the lower limit of the second set of commercial personal housing loan interest rate policy is adjusted to not less than the quoted interest rate of the loan market plus 20 basis points. Third, the agencies dispatched by the People's Bank of China and the State Financial Supervision Administration guide the self-discipline mechanism of interest rate pricing in the provincial market in accordance with the principle of city-specific policies, and independently determine the minimum down payment ratio and the lower interest rate limit of the first and second sets of commercial personal housing loans in cities within their jurisdiction according to the real estate market situation of cities and the regulatory requirements of local governments. Fourth, banking financial institutions should reasonably determine the specific down payment ratio and interest rate level of each loan according to the minimum down payment ratio and the lower interest rate limit determined by the provincial market interest rate pricing self-discipline mechanism, combined with the operating conditions of the institutions, customer risk conditions and other factors. The three departments refer to the People's Bank of China, the General Administration of Financial Supervision and the China Securities Regulatory Commission.
3. signature. Write it in two lines at the bottom right of the text, one with signature and one with date. Notice is a widely used official document. It is used to issue laws and regulations, forward official documents of higher authorities, organs at the same level and non-subordinate organs, examine and approve official documents of lower authorities, and require lower authorities to handle certain affairs.