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class="bai_xing">欧美老外毛片m.56.com作者:李玉? 时间:2017/8/4 7:26:00 来源?1世纪经济报道 </p> <p class="zai_yao">欧美老外毛片m.56.com摘要??日,北京银监局副局长蒋平在银行业例行新闻发布会上表示,北京银行业落实房地产调控措施效果显著,贷款发放节奏持续放缓,具体投向符合房地产政策导向?017??7日,北京市住建委等部门联合发布《关 ......</p> <div id="pic_url"> </div> <div id="fe5zut489" class="bodycontens"> <p>8?日,北京银监局副局长蒋平在银行业例行新闻发布会上表示,北京银行业落实房地产调控措施效果显著,贷款发放节奏持续放缓,具体投向符合房地产政策导向?/p><p>2017??7日,北京市住建委等部门联合发布《关于完善商品住房销售和差别化信贷政策的通知》,对房地产的调控政策进一步升级。要?ldquo;认房又认?rdquo;,且二套房首付上调到60%,非普通自住房的首付高?0%,业内也称之?ldquo;3·17新政”?/p><p>北京银监局披露的数据显示,“3·17新政”实施以来,北京市个人住房贷款金额在较1?月份大幅下降的基础上持续回落,3-6月份,北京地区银行业机构个人住房贷款新发放金额分别为239.21亿元?36.08亿元?18.15亿元?58.46亿元?/p><p>且在个人住房贷款中,支持“刚需”群体购房的贷款占比超过七成,其中6月发放的执行“3·17新政”的个人住房贷款中,对无房群体发放贷款金额占比?3.11%、贷款户数占比为81.17%?/p><p>除个人按揭外,北京辖内商业银行对个人商业用房的贷款余额增长也明显放缓,二季度的月均增量仅为一季度的一半,其中6月份对个人商业用房贷款的发放额比3月份下降三成?/p><p>降温政策密集出台</p><p>据蒋平介绍,政策出台方面,北京银监局会同市住建委、人民银行营业管理部等有关部门先后密集出台了一系列后续政策。政策的连续性、专业性和全面性不仅封堵了**、投机的通道,更有力引导和稳定了社会预期,成为房地产市场“降温”的主导力量?/p><p>??4日发布房地产政策,对“假离?rdquo;?ldquo;借名买房”等规避房地产新政的手段加以限制;3?6日发布政策,进一步扩大了个人购买商用房的房地产限购范围,打击了违规销售、炒作商办房的行为;4?9日发布新政,进一步规范了房地产交易秩序,有效遏制了洗钱等相关犯罪?/p><p>今年3?4日,央行银管部、北京银监局 、北京市住建委、北京住房公积金管理中心联合发布了《关于加强北京地区住房信贷业务风险管理的通知》,要求总体上从严控制个人购房贷款增量,严格落实差别化的房地产信贷调控政策?/p><p>央行营管部和银监局还对辖区内商业银行房地产信贷调控政策落实情况进行定期检查和不定期抽查,对存在违法违规行为的机构进行严肃问责?/p><p>北京的房地产新政出台以后,也有购房家庭通过离婚手段享受首套住房贷款政策的情形有所增加。相关部门认为,这既影响了调控房地产政策效果,也容易产生财产纠纷、出现还款能力下降等问题,增加商业银行房地产住房信贷风险。因此,对于离婚一年以内的房地产贷款申请人,要求各银行应参照二套房信贷政策执行,申请住房公积金贷款的,按二套住房公积金贷款政策执行?/p><p>对使?ldquo;首付?rdquo; 等金融产品加杠杆的客户,通知也要求,应拒绝发放贷款。同时,要求各商业银?应加强消费贷及其他无*押信用贷款的管理,严禁以消费贷、个人经营性贷款等名义贷出资金用于支付购房首付?/p><p>另外,前述通知还要求,各商业银行要严格落实月供收入比不超过50%等房地产政策要求,强化审核购房人收入证明材料。对于购房人提供虚假收入证明或不符合月供收入比要求的,不得放贷。对于已成年、未就业、没有固定收入且还款资金来源于其他共同还款人的借款人,商业银行应进一步严格住房贷款条件,原则上可参照二套房信贷政策执行?/p><p>欧美老外毛片m.56.com房地产专项检查持续至年底</p><p>蒋平表示,房地产政策落地方面?ldquo;3·17新政”出台次日,北京银监局即会同央行营管部组织辖内38家中外资商业银行主要负责人召开专题会议,要求银行准确领会新政精神、控制房地产贷款增量、加强内部审慎合规管理,同时积极做好政策宣传和客户解释工作,确保不折不扣将房地产政策落实到位?/p> </div> <!--MvcPager 1.5 for ASP.NET MVC 3.0 © 2009-2011 Webdiyer (http://en.webdiyer.com)--> <div id="fe5zut489" class="pager"><a disabled="disabled">首页</a>  <a disabled="disabled">上一?/a>  <span 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