论文部分内容阅读
1998年11月4日,工商银行洛阳分行对中国一拖集团公司3200户职工发放个人住房贷款合作协议在一拖（集团）总部签约。预计11月上旬,贷款可全部到位。据悉,这是目前国内一次性办理的最大一宗个人住房按揭贷款业务,贷款总额达4806万元。 发展住房信贷业务是服务房改,改善职工住宅条件的重要手段,也是拓展金融市场,调整信贷结构的有益尝试。1998年5月15日中国人民银行《个人住房贷款办法》出台时,一拖集团的住房制度改革正进行到关键时期,部分职工购房需要按揭贷款支持。工商银行洛阳市分行从改善职工住房条件出发,向一拖职工宣传贷款办法,积极与市房地产管理局、公证处、保险公司等有关部门协商、减免收费项目、降低收费标准,为职工购房提供最大的优惠和方便。 在贷款签字仪式上,工商银行洛阳分行行长袁
On November 4, 1998, Luoyang Branch of Industrial and Commercial Bank of China signed a cooperation agreement on personal housing loan for 3200 employees of China First Tractor Group Company at the headquarters of YTO (Group). It is estimated that in early November, the loan can be fully put in place. It is reported that this is currently the largest domestic one-time personal housing mortgage loan business, a total loan amounted to 48.06 million yuan. The development of housing credit business is to serve the housing reform, an important means to improve housing conditions for workers, but also to expand the financial markets, a useful attempt to adjust the credit structure. On May 15, 1998, when the People’s Bank of China on Measures for Personal Housing Loans was introduced, the reform of the housing system of YTO Group is now at a crucial stage. Some employees need mortgage loans to purchase their houses. Luoyang Branch of Industrial and Commercial Bank of China set out from improving housing conditions for staff and workers, advocating loans to YTO workers and actively negotiating with the Municipal Real Estate Administration, Notary Office, insurance companies and other relevant departments to reduce fees and charges and reduce fees for the purchase of workers to provide the maximum Offers and conveniences. At the loan signing ceremony, Luoyang Branch President of Industrial and Commercial Bank of China Yuan