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杨家才表示,银监会认真落实国务院关于坚决遏制部分城市房价过快上涨的通知精神,对于个人住房按揭贷款要求银行对个人购房者进行面审和面签制度,要求银行房贷人员上门对购房者进行访问。银监会要求银行业金融机构对于房地产开发贷款和土地储备贷款实行“三不贷”和“三挂钩”。二套及以上住房要按照家庭为单位来界定,家庭应该包括本人、配偶和未成年子女,一个家庭拥有的房子套数应该由房管部门来认定,以房管部门的证明为主。此次房贷新政,从需求和供给两个方面,从中央到地方,从单一到多极,所有这些政策综合作用,应该来说,会朝着稳定的方向发展。
Yang Jiacai said that CBRC conscientiously implemented the State Council’s notice on resolutely curbing the sharp rise in home prices in some cities. For individual housing mortgage loans, banks are required to conduct face-to-face interviews and face-to-face interviews with individual homebuyers and require bank mortgage workers to come and visit homebuyers. The CBRC requires banking financial institutions to implement “three loans” and “three hooks” for real estate development loans and land bank loans. Two or more housing units should be defined in accordance with the family, the family should include myself, spouses and minor children, a family owned house number should be recognized by the Housing Authority to the main evidence of the Housing Department. The new mortgage program, both from the demand and supply, from the central to local, from a single to multi-polar, all the combined effect of these policies, it should be, will be moving in a stable direction.