Taylor, give us a complete view.
First, keep real estate financing stable and orderly.
1, stable real estate development loans.
Adhere to the "Two Unswervings" and treat all kinds of real estate enterprises, such as state-owned and private enterprises, equally. Encourage financial institutions to focus on supporting the steady development of real estate enterprises with perfect governance, outstanding main business and good qualifications.
Financial institutions should reasonably distinguish the risks of project subsidiaries and group holding companies, and meet the reasonable financing needs of real estate projects in accordance with the principle of marketization on the premise of ensuring the security of creditor's rights and the closed operation of funds. Support the project host bank and syndicated loan model, strengthen the management of the whole process of loan approval, issuance and recovery, and effectively ensure the safety of funds.
2. Support the reasonable demand for individual housing loans.
Reasonably determine the down payment ratio of local individual housing loans and the lower limit of loan interest rate policy to support rigid and improved housing demand.
Encourage financial institutions to reasonably determine the specific down payment ratio and interest rate level of individual housing loans according to their own operating conditions, customer risk status and credit status.
3. Stabilize the credit supply of construction enterprises.
4. Support the reasonable extension of stock financing such as development loans and trust loans.
On the premise of ensuring the security of creditor's rights, financial institutions and real estate enterprises are encouraged to negotiate independently on the basis of commercial principles, and actively support them by extending existing loans and adjusting repayment arrangements, so as to promote the completion and delivery of the project.
If it expires within the next 6 months from the date of issuance of this notice, it may be allowed to exceed the original provisions by 65,438+0 years, without adjusting the loan classification, and the loan classification submitted to the credit information system is consistent with it.
5. Keep bond financing basically stable and support high-quality real estate enterprises to issue bond financing.
Promote professional credit enhancement institutions to provide credit enhancement support for real estate enterprises with overall financial health and short-term difficulties.
Encourage bond issuers and holders to communicate in advance and make arrangements for borrowing bonds to pay funds. If it is really difficult to pay on schedule, reasonable arrangements such as extension and replacement shall be made through consultation to actively resolve risks.
6. Maintain stable financing of asset management products such as trust.
Two, actively do a good job in the "safe building" financial services.
7. Support development policy banks to provide special loans for "Baojiao Building".
Support China Development Bank and Agricultural Development Bank in accordance with relevant policy arrangements and requirements. In accordance with the law, we will issue a special deposit for "guaranteeing the bottom floor" to borrowers who have been audited and filed in an efficient and orderly manner, and implement closed management and earmarking. Dedicated to support projects that have been sold and are difficult to deliver, and accelerate the delivery of construction.
8. Encourage financial institutions to provide supporting financing support.
Encourage financial institutions, especially the main financing commercial banks of individual housing loans for projects or their leading syndicates, to provide new supporting financing support for special loan support projects in accordance with the principles of marketization and rule of law, and promote the resolution of the risks of undelivered individual housing loans.
For the remaining value of sales receipts, special loans and new supporting financing projects can be reviewed at the same time, while the remaining value of sales receipts cannot cover special loans and new supporting financing at the same time. However, the supporting mechanism of new supporting financing and special loans has been clearly arranged and the repayment sources have been implemented, and financial institutions are encouraged to actively provide new supporting financing support on the premise of commercial voluntariness.
The borrower of new supporting financing should be consistent with the implementer of special loan supporting projects. The existing assets and liabilities of the project shall be audited, evaluated and confirmed by qualified institutions organized by the local government, and the implementation plan of "one construction, one policy" has been formulated. Commercial banks can set up a new sub-column of "special loan matching financing" under the real estate development loan for statistics and management, and the matching financing shall not exceed the term of the corresponding special loan in principle. The term shall not exceed 3 years at the longest, and the sales revenue of the project shall be transferred to the special account for the project opened in the main financing commercial bank or other commercial banks, and the special account for the project shall be managed by the commercial bank providing supplementary financing. It is clear that according to the principle of "last in, first out", the sales refund of the surplus value of the project should give priority to the repayment of the newly added supporting financing and special loans.
For supporting financing provided by commercial banks to projects supported by special funds within six months from the date of issuance of this notice in accordance with the requirements of this notice, the risk classification will not be reduced within the loan period; If borrowers who have written off new and old debts are managed as qualified borrowers, the newly issued matching financing is not good, and relevant institutions and personnel have fulfilled their responsibilities. Can be exempted from responsibility.
Third, actively cooperate with the risk disposal of trapped real estate enterprises.
9. Do a good job in financial support for real estate project mergers and acquisitions.
Encourage commercial banks to carry out M&A loan business of real estate projects in a steady and orderly manner, and focus on supporting high-quality real estate enterprises to merge and acquire troubled real estate enterprise projects.
Encourage financial asset management companies and local asset management companies (hereinafter referred to as asset management companies) to give full play to their experience and ability in the disposal of non-performing assets and risk management, and negotiate with local governments, commercial banks and real estate enterprises. * * * * Promote the accelerated disposal of assets.
10, actively explore market-oriented support methods.
For some projects that have entered the judicial reorganization, financial institutions can help promote the return to work and delivery of projects in accordance with the principles of independent decision-making, self-risk and self-financing.
Encourage asset management companies to participate in project disposal by acting as bankruptcy administrators and restructuring investors, support qualified financial institutions to explore and resolve the risks of trapped real estate enterprises in accordance with laws and regulations by setting up funds, and support the completion and delivery of projects.
Four, according to the law to protect the legitimate rights and interests of housing finance consumers.
1 1. Encourage independent negotiation to postpone the repayment of principal and interest according to law.
Financial institutions can implement marketization for individuals who are hospitalized or isolated due to the epidemic, or individuals who have lost their sources of livelihood due to the suspension of business or unemployment due to the epidemic, as well as individual housing loans that have been changed or cancelled due to the purchase contract. The principle of rule of law is to negotiate with the buyer independently and make adjustments such as extension.
Acts of malicious evasion of financial debts shall be dealt with according to laws and regulations, and a good market order shall be maintained.
12. Effectively protect the personal creditor's rights of deferred loans.
If the repayment arrangements of individual housing loans are adjusted, financial institutions shall submit credit records in accordance with the new repayment arrangements; If it is determined by the judgment or ruling of the people's court that it should be adjusted, the financial institution shall adjust the credit record according to the effective judgment or ruling of the people's court, and adjust what has been submitted.
Verb (abbreviation of verb) adjusts some financial policies in stages.
13. Transitional arrangements to extend the centralized management policy of real estate loans.
For banking financial institutions that cannot meet the requirements of centralized management of real estate loans as scheduled due to objective reasons such as epidemic situation, the transition period shall be reasonably extended according to the actual situation and objective evaluation.
14. Optimize the financing policy of M&A real estate projects by stages.
Relevant financial institutions should make good use of the staged real estate financial management policies issued by the People's Bank of China and the China Banking Regulatory Commission, which are applicable to major commercial banks and national financial asset management companies, and accelerate the marketization of real estate risks.
Sixth, increase financial support for housing leasing.
15. Optimize housing rental credit services.
16. Broaden diversified financing channels in the housing rental market.
Support housing rental and sales enterprises to issue direct financing products such as credit bonds and guarantee bonds, which are specially used for the construction and operation of rental housing. Gupin Commercial Bank will issue financial bonds to support housing leasing, raise funds to increase housing leasing development and construction loans and operating loans, and steadily promote the real estate investment trust funds (REITs) pilot.