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早在前年的春天,为鼓励个人投资买房,中国人民银行就在《关于开展个人消费信贷的指导意见》中规定:所有银行均可向消费者发放个人住房贷款,住房贷款的首期支付比例由30％降到20％。随即,各商业银行纷纷出台了一系列旨在促进个人住房贷款的措施,但令人不解的是,目前我国四大国有商业银行累计发放的个人住房贷款占贷款总额的比例仅有1％,个人住房贷款为何少人“爱”呢?
As early as the year before last spring, in order to encourage individuals to invest in housing purchases, the People’s Bank of China stipulated in the Guiding Opinions on Carrying out Personal Consumer Credit that all banks may issue personal housing loans to consumers. The first payment ratio of home loans 30% down to 20%. Immediately afterwards, various commercial banks issued a series of measures aimed at promoting individual housing loans. What is puzzling is that at present, only 1% of the total personal loans have been issued by the four largest state-owned commercial banks in China, Personal housing loans why people “love” it?