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大興安嶺翻譯公司關鍵字：Beijing in Beijing, a commercial bank with a real estate developer jointly launched the "developers discount entrusted loans" business. The so-called "developers discount entrusted loans" refers to funds provided by the real estate developer, purchased by commercial banks to grant the commission of its real estate loans, subsidized by the developer of a certain period of interest, and its essence is a "seller's credit." ."Developers discount entrusted loans", in terms of commercial banks, either by commission loans to avoid policy risks, credit risks, but also can get a substantial fee and other fee income; for developers and home buyers in terms of the is the capital, housing, "both" benefit, therefore, that financial innovation would be a good model of real estate financing innovation/BackgroundAs of April 2003, the national real estate loans reached 1.8357 trillion yuan翻譯1000字多少元, accounting for commercial banks, 17.6% of the loan balance. June 13, People's Bank of China issued the purpose of adjustment of commercial bank loans to invest in a "further strengthen the real estate credit management notice." No. 121, Central Bank, "notice" reflects changes in the real estate credit policy, allowing commercial banks and real estate developers, also inherent in the loan financing model has been somewhat restricted Notification requirements, real estate development enterprises to apply for bank loans, its own funds (ie equity) development projects should not be less than 30% of the total investment; of land reserves for the mortgage loans, loan amount shall not exceed the purchase 70% of the assessed value of land, loan period should not exceed 2 years; standard construction business working capital loans, commercial banks have to strictly prevent the use of bank loans to construction companies Loaning real estate development projects; commercial banks can only purchase of the main structure of the cap housing individual grant housing loans to borrowers who apply for individual housing loan to buy the first set of owner-occupied housing, down payment of 20% continue to enforce the provisions; of buying a second or more (including second) home , and should increase the down payment; strengthen the management of personal loans to commercial buildings, borrowers apply for personal loans Dijie commercial buildings shall not exceed 60% over the loan period should not exceed 10 years, completed the purchase of commercial buildings as acceptance of housing.
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