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中国人民银行颁布实施《个人住房贷款管理办法》已有一段时间,然而,这一利国利民的政策在全国大中城市正风风火火开展之时,而我区却存在“政府催着办,个人求着办,银行难以办”的情况。据统计,我区开办房地产信贷业务的工商银行和建设银行两家,从颁布《个人住房贷款管理办法》以来,开展政策性住房贷款,除了采取以存单、有价证券质押等方式办的几百万元外,其他几家商业银行均为零,这是为什么?据笔者初步了解分析,有如下一些原因:一是我区住宅建设相对趋于饱和状态。目前我区的住房商品化开发基本上都是庭院式住宅,与其他省市的公寓式小区开发有着形式上的区别,由此造成我区的个人住房抵押贷
However, this policy of benefiting the nation and benefiting the people is in full swing in large and medium-sized cities in the whole country. However, there are still some problems in our region, such as the “government dodging the handling of loans, Personal pursuit of office, bank difficult to do ”situation. According to the statistics, ICBC and CCB, two real estate credit businesses in our district, started the policy-oriented housing loan since promulgating the Measures for the Management of Individual Housing Loans. In addition to adopting several methods such as deposit certificates and securities pledge, Million, several other commercial banks are zero, which is why? According to the author’s initial understanding of the analysis, there are some reasons as follows: First, residential construction in my area is relatively saturated. At present, the commercial development of housing in our district is basically a courtyard-style house, which has a formal difference from the apartment-style residential development in other provinces and municipalities. As a result, personal residential mortgage loans