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社评“🔞🍌👅”-译文小记

甘肃:商业性个🔞🍌👅人住房贷款不再区分首套二套

来源: 财经杂志
2024-10-31 03:27:50

最佳回答

“🔞🍌👅”甘肃:商业性个🔞🍌👅人住房贷款不再区分首套二套

  中新🔞🍌👅网兰州10月30日电 (王牧雨🔞🍌👅 田鹏鹤)记者30日从2024年前三季度甘肃省金融运行情况新闻发布会上获悉,自2024年10月1日起,甘肃各市州对于贷款购买住房的居民家庭,商业性个人住房贷款不再区分首套房和二套房,最低首付比例统一为15%。

图为银行工作人员与客户签订个人住房贷款合同。(资料图)受访单位供图

  中国人民银行甘肃省分行货币信贷管理处副处长王昊向媒体介绍说,这项政策可以更好地支持刚性和改善性住房需求,有利于促进房地产市场平稳健康发展。

  9月份以来,中国人民银行等部门出台了一揽子金融增量政策,其中有多项房地产金融政策。为支持房地产市场止跌回稳和健康发展,中国人民银行甘肃省分行积极研究部署,着力推动增量房地产金融政策在甘肃落地见效。

  “目前,我们已指导辖内金融机构有序降低存量房贷利率,存量房贷已基本完成批量调整,借款人可以通过短信或手机银行查询利率调整结果。”王昊表示,此次存量房贷利率调整政策,将惠及甘肃省90余万户家庭、270万人,平均每年减少家庭利息支出约16亿元。

  同时,甘肃推进落实保障性住房再贷款政策,中国人民银行甘肃省分行配合住建部门成立工作专班,在房地产融资协调机制下,积极推进兰州、天水等去化周期较长、保障房需求较大的城市存量商品房收购,为保障性住房政策落地创造条件。

  “我们将指导商业银行对符合条件的房企存量融资合理展期,改善行业资金状况;对房企合理的经营性物业贷款应贷尽贷,为房地产市场止跌回稳营造良好的金融环境。”王昊说。(完)

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