The document proposes to support residents' housing credit demand. Since June 10, 2022, the minimum down payment ratio of commercial personal housing loans for households to purchase ordinary housing for the first time has been reduced from 25% to 20%, and the minimum interest rate level of commercial personal housing loans has been reasonably determined with reference to the actual situation in this province.
At the same time, Zhanjiang City has increased its loan support for the purchase of second-hand houses, and the loan period has been increased to 30 years at the longest. Optimize the audit of housing loans and improve the efficiency of loan approval and issuance. Encourage banking institutions to reasonably determine mortgage standards for new citizens who meet the requirements of the purchase policy, have the ability to purchase houses and have relatively stable income, and improve the convenience of loan repayment. Encourage financial institutions to optimize credit policies in a timely manner in light of actual conditions, and flexibly adjust repayment plans by reasonably delaying repayment time, extending loan term and delaying repayment of principal.
The document shows that the city will support the financing needs of real estate and construction enterprises. Support financial institutions to actively meet and satisfy the demand for financial services such as development and construction, purchase, renovation, operation management and transaction settlement of affordable rental housing. Guide financial institutions to increase support for high-quality real estate projects on the basis of controllable risks and keep real estate development loans stable and orderly. Meet the reasonable financing needs of construction enterprises, do not blindly borrow, break or pressure loans, and maintain the continuous and stable financing of construction enterprises.
Do a good job in financial services for real estate enterprises' M&A risk disposal projects. Urge real estate enterprises involved in risks to actively help themselves, and local governments and relevant departments should strengthen coordination and guidance and project promotion and docking. Encourage financial institutions to increase their support for high-quality real estate projects and support the "Education Building" in accordance with the principles of marketization and rule of law. Support financial institutions to provide bond issuance, financing consultancy and other services for the transfer and merger of risk disposal projects of key real estate enterprises. Encourage high-quality real estate enterprises to issue corporate credit bonds and raise funds for M&A risk disposal projects.