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政策性住房委托贷款系指受各级人民政府或住房资金管理机构,以及军队、煤炭.铁路、石油等系统(以下称委托人)委托,由指定银行(以下统称受托银行)以政策性往房资金为采源而发放的专门用于购、建、维修住房的专项贷款.住房委托贷款业务是委托业务,包括个人委托贷款和单位委托贷款.它是随着我国住房制度改革和住房商品化.货币化的进程不断的加快而应运产生的新的贷款品种,其业务大部分由建设银行来办理,是银行政策性住房信贷业务的重要组成部分.它对于推动和促进区域房地产经济的发展起到了重要的作用.
Entrusted loans by the policy of housing refers to the people’s governments at all levels or by the housing fund management agencies, as well as the military, coal, railways, oil and other systems (hereinafter referred to as the client) commissioned by the designated bank (hereinafter referred to as the Bank) Funds for the source and issued specifically for the purchase, construction, maintenance of special loans for housing.Entrusted housing loan business is entrusted business, including personal loans and entrusted by the unit.It is with China’s housing reform and housing commercialization. The process of monetization continues to accelerate and the new varieties of loans that should be shipped are generated. Most of its operations are handled by the Construction Bank and are an important part of the bank’s policy-oriented housing credit business. It plays an important role in promoting and promoting the development of regional real estate economy Important role.