Pan Gongsheng, deputy president of the People's Bank of China, said that in addition to individual hot cities, the lower limit of the down payment ratio policy in most cities in China has reached the "bottom line".
According to Caixin.com, Pan Gongsheng said at a press conference held at the Journalism Office of the State Council on Friday (March 3) that the local departments and localities carefully implemented the long -term real estate mechanism, and the real estate industry quickly expanded, and the real estate industry expanded quickly, and the real estate industry expanded rapidly.The momentum of the rising prices and the foaming of the real estate market will be curbed; the next step will improve the real estate financial basic system and macro -prudential management system, and promote the stable transition of the real estate industry into the new development model.
He said: "With the improvement of the epidemic situation and the adjustment of the prevention and control policy of the epidemic, the effect of the role of the policy in the early stage has greatly improved.Rising, the financing environment of the real estate industry, especially high -quality real estate companies has improved significantly. "
Pan Gongsheng also said that from September to December 2022, real estate development loans increased by 230 billion yuan (RMB, the same below, appointment, appointment, appointment, appointment, appointment, appointment.44.9 billion yuan), an increase of 420 billion yuan year -on -year; in the fourth quarter of 2022, 120 billion yuan of debt issuance in real estate companies, an increase of 22%year -on -year; in January 2023, real estate development loans increased by more than 370 billion yuan, an increase of more year -on -year increase220 billion yuan; domestic real estate bonds issued 40 billion yuan, an increase of 23%year -on -year.
From the perspective of demand, the central bank has implemented differentiated housing credit policies due to urban policies and implementation, and continues to guide the downward of actual interest rates and down payment ratios to support rigid and improving housing needs.According to Pan Gongsheng, as of December 2022, the average interest rate of new personal housing loans issued by new personal housing has decreased by about 140 basis points from the end of 2021.
In addition, Pan Gongsheng said, "In addition to individual hot cities, the lower limit of the down payment ratio of most cities has reached the national bottom line."
According to the notice of adjusting my personal housing loan policy in 2016, in principle, the minimum down payment ratio of commercial personal housing loans for ordinary housing for the first time of ordinary housing is 25%.One percentage point.
Pan Gongsheng also compared some of the high -risk real estate "thunder" in the second half of 2021 as "from 'high blood pressure' to 'stroke'."Since the second half of 2021, some real estate companies represented by Evergrande have continued to be in a high -risk state due to long -term "high leverage, high debt, and high turnover" operations, and eventually unsustainable risks.
Pan Gongsheng said: "In addition to the long -term demand center of the real estate market, and the impact of the three -year epidemic impact on employment and income has a greater impact.Sex. "
