新闻 > 社会
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/10000169/20170921/31491008.html
Server: cms-8-251
Date: 2024/12/27 03:07:11

Powered by China
China

广东:消费贷最高贷100万最长贷10年 不得用于购房首付

2017-09-21 07:52:40   中国经济网

20日,广东楼市调控再升级。凌晨,一份由人民银行广州分行、广东银监局联合发布的《关于加强个人消费贷款管理防范信贷资金流入房地产市场的通知》(以下简称《通知》)在微信朋友圈流传。经多方求证,记者确认了该文件的真实性。分析人士表示,按照《通知》,目前市场中以消费贷支付购房首付款或偿还首付款借款的现象将得到遏制。

●南方日报记者 唐柳雯 黄倩蔚 唐子湉 冯善书 实习生 黎雪雁

不得用于支付购房首付

《通知》严禁个人消费贷款资金用于生产经营、投资以及支付购房首付款或偿还首付款借款行为,不得发放无指定用途消费贷款。对已抵押房产,在购房人没有全部归还贷款前,不得以再评估后的净值为抵押追加贷款。同时,原则上不发放金额超过100万元或期限超过10年的个人综合消费贷款。

事实上,“按照银行个人消费贷的合同,这笔钱本来就不能用于生产经营、买房的,这份通知只是重申这一规定的重要性,防范消费信贷资金违规流入房地产市场。”一名接近监管人士向记者表示。

《通知》指出,有个别金额较大、期限较长的消费贷款与日常消费属性不匹配,存在违规流入房地产领域的风险。记者查阅今年5月至7月广东金融统计数据发现,近几月广东个人综合消费贷款均保持较快增长,5月至7月单月同比增幅均在35%以上。以5月、6月、7月的数据来看,当月个人综合消费贷款同比增速分别保持在36.5%、38.2%、39.1%的较高水平;而7月广东中长期消费贷款余额更是同比增长了54.6%,比去年同期快20.4个百分点。

此外,《通知》还要求银行严格贷前交易背景真实性调查,加强受托支付审查和资金流向监测,强化贷后贷款用途验证和管控。按照规定,从下月开始,省内商业银行每月12日须向人行、银监系统报送个人消费贷款产品月度监测表。

有银行未按新规执行

《通知》出台后,有部分银行负责人表示,其刚刚收到《通知》,“肯定会按照监管要求做,但具体是怎么执行,还未落到一线业务部门”。

按照《通知》,商业银行原则上应不发放金额超过100万元或期限超过10年的个人综合消费贷款。但记者在广州市内走访发现,目前仍有银行抵押消费贷款额度高于100万元。有银行抵押消费贷款额度甚至高达500万元,期限为20年。记者以贷款人身份向市内某国有银行咨询申请装修贷款时,银行信贷人员仍表示,可以“以房屋首付一半的增值部分”来抵押申请消费贷款。而《通知》明确指出,对已抵押房产,在购房人没有全部归还贷款前,不得以再评估后的净值为抵押追加贷款。

上一页1/2下一页
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/10000169/20170921/31491008.html
Server: cms-8-251
Date: 2024/12/27 03:07:11

Powered by China
China
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/10000169/20170921/31491008.html
Server: cms-8-251
Date: 2024/12/27 03:07:11

Powered by China
China

相关阅读

404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/10000169/20170921/31491008.html
Server: cms-8-251
Date: 2024/12/27 03:07:11

Powered by China
China
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/10000169/20170921/31491008.html
Server: cms-8-251
Date: 2024/12/27 03:07:11

Powered by China
China
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/10000169/20170921/31491008.html
Server: cms-8-251
Date: 2024/12/27 03:07:11

Powered by China
China
分享到:
0 0
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/10000169/20170921/31491008.html
Server: cms-8-251
Date: 2024/12/27 03:07:11

Powered by China
China
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/10000169/20170921/31491008.html
Server: cms-8-251
Date: 2024/12/27 03:07:11

Powered by China
China

美图推荐

404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/10000169/20170921/31491008.html
Server: cms-8-251
Date: 2024/12/27 03:07:11

Powered by China
China
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/10000169/20170921/31491008.html
Server: cms-8-251
Date: 2024/12/27 03:07:11

Powered by China
China
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/10000169/20170921/31491008.html
Server: cms-8-251
Date: 2024/12/27 03:07:11

Powered by China
China
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/10000169/20170921/31491008.html
Server: cms-8-251
Date: 2024/12/27 03:07:11

Powered by China
China

为您推荐

加载更多>>
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/10000169/20170921/31491008.html
Server: cms-8-251
Date: 2024/12/27 03:07:11

Powered by China
China
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/10000169/20170921/31491008.html
Server: cms-8-251
Date: 2024/12/27 03:07:11

Powered by China
China
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/10000169/20170921/31491008.html
Server: cms-8-251
Date: 2024/12/27 03:07:11

Powered by China
China