On the afternoon of April 22nd, five departments in Shenzhen: Shenzhen Central Sub-branch of the People's Bank of China, Shenzhen SME Service Bureau, Shenzhen Housing and Construction Bureau, Shenzhen Banking Insurance Regulatory Bureau and Shenzhen Market Supervision Bureau reported the housing mortgage to buy a house survey.
According to the information reported by various departments, at present, the two-tier loan discount projects in Shenzhen have not yet entered the stage of fund distribution, and no small re-loan credit funds have been found to flow into the real estate market through real estate mortgage loans.
Strengthen the management of operating loan collateral, and prohibit the illegal use of credit funds to purchase houses.
The Shenzhen Central Sub-branch of the People's Bank of China said that on April 17, after online rumors that Shenzhen real estate mortgage funds illegally flowed into the real estate market, the Shenzhen Central Sub-branch of the People's Bank of China acted quickly and investigated quickly.
According to the self-inspection statistics submitted by commercial banks on April 20th 14: 30, the preliminary investigation is as follows:
First, we have not found that newly registered enterprises apply for commercial loans.
Second, it has not been found that the micro-loan credit funds flow into the real estate market through the form of real estate mortgage loans.
Third, some commercial banks have customers who buy houses in full first and then apply for operating loans with newly purchased real estate as collateral, but the scale is very small.
Shenzhen SME Service Bureau also said that at present, the two-level loan discount projects in Shenzhen have not entered the stage of fund distribution, and there is no situation in which online loan discount funds enter the housing market.
It is reported that on April 20, Shenzhen Banking Insurance Regulatory Bureau held a forum with Shenzhen Central Branch of the People's Bank of China, and the top leaders of commercial banks within its jurisdiction attended the meeting. The meeting put forward specific requirements on strengthening credit management to serve the real economy. Require banks to strictly control the access before operating loans and strengthen the authenticity audit of borrowers' business background; Strengthen the management of collateral for operating loans. In principle, borrowers should hold collateral for no less than 6 months; Reasonably determine the loan amount and the scope of fund use; Strengthen the monitoring of the use of funds, and strengthen the monitoring of borrowers' new property after loan. At present, Shenzhen Central Sub-branch of the People's Bank of China and Shenzhen Banking Supervision Branch have asked commercial banks to conduct a comprehensive investigation on whether credit funds flow into the real estate sector in violation of regulations.
The Shenzhen Banking Insurance Regulatory Bureau also said that it urged banks to quickly carry out comprehensive investigations, seriously rectify and investigate the problems found, resolutely correct the illegally misappropriated loans in the real estate sector, and recover and reduce the credit line to borrowers within a time limit.
In the next step, we will also supervise and inspect the banks within our jurisdiction to strengthen credit management and serve the real economy. For the irregularities that the bank did not find or found by self-inspection but did not report in time, we will hell to pay. Banks that resort to fraud, cheat or defraud special financial funds in the process of helping enterprises apply for interest subsidies will be ordered to correct and recover subsidy funds according to laws and regulations, and enterprises will be punished for dishonesty. Anyone suspected of committing a crime will be handed over to judicial organs for handling according to law.
The rumors of a sharp rise in house prices in the first quarter are seriously inconsistent with the facts.
Recently, there have been many reports that housing prices in Shenzhen are heating up again, and there are even reports that tens of millions of houses light up instantly. However, according to the data released by Shenzhen Housing and Construction Bureau, the price increase is not large.
According to the data of Shenzhen Housing and Construction Bureau, in the first quarter of this year, the price of new houses in Shenzhen rose by 1.0%, and the price of second-hand houses rose by 2.8%. Prices are generally stable, with a slight increase. The rumors of a sharp rise in housing prices in the first quarter are seriously inconsistent with the facts, and it is not excluded that individual intermediaries and personnel are speculating on Shenzhen property prices.
The person in charge said that recently, the Shenzhen Housing and Urban-Rural Development Bureau has paid attention to the news that public opinion has greatly speculated on housing prices in Shenzhen and some communities, which has aroused widespread concern in society. The bureau immediately organized investigation and verification, and found that many articles were inaccurate in data and biased in views, and most of them were inconsistent with reality. The differences are mainly:
First, public opinion reflects that the price of second-hand houses in some residential quarters is on the high side recently. After preliminary investigation, it is mainly that some owners' listing prices are too high, which seriously deviates from the market situation. However, the listing price does not equal the transaction price. According to the data released by the National Bureau of Statistics, in the first quarter of this year, the price of new houses in Shenzhen rose by 1.0%, and the price of second-hand houses rose by 2.8%. Prices are generally stable, with a slight increase. Some media have come to the conclusion that the price of second-hand houses rose by 9.7% in the first quarter based on the listing price, which is seriously inconsistent with the facts. It is not excluded that individual intermediaries and personnel speculate on Shenzhen property prices.
Second, two or three projects that have been hotly debated recently are concentrated in hot areas such as Nanshan and Baoan. Sales and transactions in other regions are generally stable. The quarterly average transaction price reported by the media is incomplete and untrue, which cannot truly reflect the Shenzhen market.
Third, citizens have reported that some buildings have problems such as "tea fee", "property hoarding" and "malicious price increase". Shenzhen Housing and Construction Bureau attaches great importance to it and has conducted in-depth investigation with relevant departments. Once violations of laws and regulations are found, they will be dealt with seriously according to the law.
Shenzhen Housing and Construction Bureau said that Shenzhen will significantly increase the supply of residential land this year, with a planned supply of about 3 square kilometers, twice the supply in 20 19. At the same time, large-scale housing construction is carried out, and it is planned to build about10,000 square meters of new commercial housing, which is much higher than the annual sales volume of 6-8 million square meters in the past.