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美次贷危机提醒我们密切关注房地产金融,因为它连接着实体经济和虚拟经济,也是市场发生经济周期逆转的敏感地带央行和银监会9月27日最新消息显示,金融机构将对居民购买第二套住房提高首付比例至少到40%,贷款利率则不得低于同期同档利率的1.1倍。这份名为《关于加强商业性房地产信贷管理的通知》,从防范放贷风险角度,重点调整和细化了房地产开发贷款和住房消费贷款管理政策。
The US subprime mortgage crisis reminded us to pay close attention to real estate finance because it connects the real economy with the fictitious economy and is also the sensitive zone where the market reverses its economic cycle. The latest news from the Central Bank and the China Banking Regulatory Commission on September 27 shows that the financial institutions will purchase the second Home increase down payment ratio of at least 40%, the loan interest rate should not be lower than the same period with the same file rate 1.1 times. The “Notice on Strengthening the Management of Commercial Real Estate Credit Loans” focused on adjusting and refining the real estate development loans and housing consumer loan management policies from the perspective of risk prevention.