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8月15日,央行在《2004中国房地产金融报告》(以下简称央行报告)中就目前房地产金融市场现状提出了两大建议,一是取消期房预售制度,二是实施固定利率个人住房贷款。这两大建议在社会上引起了轩然大波,不少金融界、地产界的专家学者、老总大腕们纷纷通过各种途径来放大自己的声音,一时间,争议四起。仅就实施固定利率个人住房贷款的建议而言,到记者截稿为止,争论的焦点围绕着固定利率的双刃剑效应展开,探讨银行的利率风险管理能力、购房者的接受态度以及该建议具体实施的难处等等。记者通过采访发现,在当下的市场环境下,银行和购房者想对个人住房贷款利率“固定化”说声我爱你,还真是不容易。
August 15, the central bank in the “2004 China Real Estate Financial Report” (hereinafter referred to as the Central Bank report) on the current status of the real estate financial market made two major recommendations, one is to cancel the pre-sale 期房 system, the second is the implementation of fixed-rate loans for individual housing. These two proposals caused an uproar in the community. Many experts and scholars from the financial and real estate sectors and CEOs have used various channels to amplify their voices. For a time, disputes have arisen. As far as the proposal on implementing fixed-rate home loans is concerned, until the press deadline, the focus of the debate centered around the double-edged sword of fixed interest rates to explore the bank’s interest rate risk management capabilities, the acceptance of home buyers and the implementation of the proposal The difficulties and so on. Reporters found through interviews that in the current market environment, banks and homebuyers would like to say “I love you” for personal home loan interest rates. It is really not easy.