The Beijing news express (reporter mi di) next icbc mortgage interest rate will be adjusted and changes? Icbc how to determine the real estate sector credit risk? On 30 days, icbc president gu shu at the performance conference to respond.
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Icbc president gu shu said icbc's personal housing loans increased by 341.8 billion yuan in the first half of the year, mainly to support residents' self-living and improving housing needs, 90 percent of which are the capital needs of the first house and the first house. The average balance of the loan is about 300,000. The proportion of first-tier and second-tier cities and third-tier and third-tier cities is about 1 to 1, and the proportion of hot-spot cities is gradually decreasing. Asset quality is better, with the home loan delinquency rate currently at 0.29 percent.
"Overall, the real estate market is at a stable level," he said. "household leverage has risen rapidly in the last few years.
On price, Mr Gu said: "we mainly implement a city-by-city differential credit policy for real estate. Our interest rate policy is determined according to the requirements of local regulation and market demand and the principles of risk pricing.
In terms of risk prevention and control, gu said the second half of the year should focus on several things:
One is to grasp the individual housing credit delivery area and rhythm. We will support reasonable credit demand for residential housing and curb speculative demand for all types of houses and buildings.
Second, we will strictly focus on the investment in real estate development loans, and mainly support government-subsidized housing projects and common commercial housing projects.
Third, strict implementation of the regulatory requirements. We will strengthen the management of the use and flow of funds for loans.
Fourth, we will actively and steadily expand the financial market of housing rental. Research and development are in line with the demand for long-term rental housing and provide more choices for residents to live in.