CBRC: The lower limit of the mortgage interest rate will be reduced

Source: CCTV News Client

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The National New Office held a press conference on the afternoon of July 21. Liu Zhongrui, the person in charge of the Statistics and Risk Monitoring Department of the CBRC: Introduction: The CBRC has always adhered to "the house is used for living, not used for frying" positioning, and closely surrounds it. The goal of "stable price, housing price, and stable expectations", implement the requirements of long -term real estate mechanisms, and promote the steady and healthy development of the real estate market. In June, real estate loans added 200.3 billion yuan, and the overall operation of real estate credit was stable. In terms of measures and work:

The first is to do a good job in the real estate industry in an orderly manner. Under the premise of implementing real estate finance prudential management, guide bank insurance institutions to do financial services for real estate and construction industry. In June, real estate development loans added 52.2 billion yuan. At the same time The professional advantages of the management company will cooperate with relevant parties to do a good job of "keeping diplomatic relations, protecting people's livelihood, and stable" financial support.

The second is to meet the reasonable needs of residents. The CBRC, with the People's Bank of China, reduced the interest rate of the first house loan to 20 basis points to guide banks to improve the efficiency of mortgage loan approval. At present, the speed of lending has reached the fastest since 2019. Optimize housing financial services for new citizens, support the needs of new needs and improve customer needs. More than 90%of the mortgage loans are the first home loan.

The third is to support the development of the housing rental market. Leading the "Guiding Opinions on the Development of Bank Insurance Organizations Supporting the Development of Housing for Insurance Leasing", which eliminates affordable leased housing loans from the concentration of real estate loans, and enhances the enthusiasm of banks to pay affordable leasing loans. The same period of the year increased by 62.9%.

The fourth is to implement differentiated housing credit policies. Guide the dispatched agencies to cooperate with the local government to optimize the real estate policy from the actual situation, and do a good job of real estate related work due to urban policy to promote the steady and healthy development of the real estate market. With the active cooperation of the financial sector, the interest rate of house purchase has gradually declined.

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