How to implement the specific lending measures of Shenzhen housing construction bureau “on the establishment of second-hand housing transaction reference price” has gradually become clear.
As early as February 8, Shenzhen Bureau of housing and urban rural development issued the transaction reference prices of 3595 second-hand houses in residential areas. Subsequently, experts from Shenzhen real estate and Urban Construction Development Research Center said that the bank would take the official reference price as an important reference for issuing loans.
In this regard, Nandu reporters sorted out the official stance of Shenzhen’s major powers as of February 27.
In response to Nandu reporter, BOC Shenzhen said: in order to implement the decision and deployment of the CPC Central Committee and the State Council and adhere to the positioning of “house is for living, not for speculation”, BOC Shenzhen will take the transaction reference price issued by Shenzhen housing and Urban Rural Development Bureau as an important reference for loan issuance.
Shenzhen industrial and Commercial Bank of China also confirmed to reporters on the afternoon of the 27th: it has taken the second-hand housing transaction reference price of Shenzhen residential quarters as an important reference basis for mortgage loans issued by the “Notice of Shenzhen housing and Construction Bureau on the establishment of a second-hand housing transaction reference price release mechanism”, and has strictly examined the borrower’s qualification, down payment source and repayment ability.
Shenzhen construction bank is the first state-owned bank to make its stand. According to the statement provided by the bank, in order to implement the principle of “no speculation in housing and housing” and promote the steady and healthy development of Shenzhen real estate market, Shenzhen Branch of China Construction Bank, in accordance with the requirements of the notice of Shenzhen housing and Construction Bureau on establishing the release mechanism of second-hand housing transaction reference price, takes the second-hand housing transaction reference price as an important reference basis for the issuance of personal re transaction loans of the bank The detailed implementation rules are still under further study and improvement.
Agricultural Bank of Shenzhen also said earlier, “before the new deal is issued, the original system will be implemented. After the new deal is implemented, the guidance price issued by the housing and Urban Rural Development Bureau will be taken as an important reference for loan issuance, and the specific details are being studied and formulated.”
The two Shenzhen based banks also have a clear attitude.
China Merchants Bank Shenzhen Branch told Nandu this afternoon, “our bank will take the second-hand housing transaction reference price issued by the Municipal Bureau of housing and urban rural development as an important reference basis for loan issuance, and the specific details are still being worked out.”
On February 27, Shenzhen Branch of Ping An Bank also issued the announcement on the adjustment of second-hand housing mortgage policy. According to the announcement, Shenzhen Branch of Ping An Bank takes the transaction reference price of second-hand housing in the residential area as the identification standard for handling the second-hand mortgage loan business according to the notice on establishing the release mechanism of transaction reference price of second-hand housing issued by the housing and Urban Rural Development Bureau.
This also means that the six major banks in Shenzhen, including the four major state-owned banks of construction, industry, agriculture and China, and the six major banks of Ping An and China Merchants Bank, have all made their stand.
However, the first action is not the six lines mentioned above. It is worth noting that as early as the evening of February 20, Shenzhen Everbright Bank issued a “notice on the adjustment of second-hand housing mortgage policy”, which pointed out that according to the regulatory requirements, the transaction price of second-hand housing issued by the housing and Urban Rural Development Bureau will be used as a reference for mortgage loans, becoming the first clear commercial bank in Shenzhen.
However, Shenzhen’s major banks still do not give detailed standards for specific lending rules. In response to the previous online rumors of reference price floating news, a number of banks also said that “in the process of formulation.”