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楼市调控再加码 江西进一步规范个人非按揭类贷款管理

2017-09-26 17:51:52   

中新网南昌9月26日电 (记者 苏路程)继江西省会城市南昌加码楼市调控政策后,江西省银监局26日发布消息,督促辖内银行业严格执行房地产调控政策,进一步加强个人非按揭类贷款管理,严防借款人通过非按揭渠道违规融资用于购房。

市民在房展会上看房(资料图)。中新社发 骆云飞 摄

今年以来,南昌、赣州等二、三线热点城市房价持续上涨。其中,8月末南昌新建商品住宅价格环比上涨0.9%,涨幅位居全国第三,同比上涨8.7%。

江西银监局监测数据显示,辖内个人非按揭类消费贷款增速较快,8月末全省银行业个人消费贷款较上年末增加187亿元,增长17.76%,增幅高于各项贷款增幅4.6个百分点,较去年同期增幅高出4.41个百分点;个人经营性贷款较上年末增加211亿元,增长6.7%,增幅较去年同期高出2.52个百分点。

然而,1-8月,江西省社会消费品零售总额同比增长12.6%,增幅低于个人消费贷款增幅5.16个百分点,略高于去年同期增幅0.8个百分点。业内人士表示,这表明辖内一定程度上存在个人消费贷款和个人经营性贷款违规流入购房领域的现象,在进一步放大居民杠杆风险的同时,削弱了房地产市场调控效果。

根据江西银监局联合人民银行南昌中心支行紧急下发《关于加强个人非按揭类贷款管理防范信贷资金违规进入房地产市场的通知》(以下简称《通知》),督促辖内银行业严格执行房地产调控政策,进一步加强个人非按揭类贷款管理,严防借款人通过非按揭渠道违规融资用于购房,严禁发放以住房为抵押且无明确用途的贷款。紧急部署开展个人非按揭类贷款违规进入房地产市场检查。

《通知》要求,辖内各商业银行深入开展自查自纠,全面梳理、核查截至2017年9月20日,单笔贷款金额10万元及以上的个人消费贷款业务(个人住房按揭贷款、购车贷款除外)、单笔贷款金额50万元及以上的个人经营性贷款以及单笔贷款金额10万元及以上的信用卡透支交易的资金流向和实际用途,重点核查是否存在违规进入购房领域问题。

《通知》明确,对自查查实确有个人贷款违规流入购房领域的商业银行,必须于2017年底前完成整改工作。

下一阶段,监管部门将有针对性地开展专项检查,对自查未反映或自查后仍出现违规问题的,将依法依规进行处理,并严肃追究相关银行机构和人员的责任。

此前数天,南昌出台相关规定,要求在实行“限房价、竞地价”政策的同时,实行住宅限售政策,所有新交易的住宅须取得不动产权证满2年后方可转让。(完)

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