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广东省人民政府首页  >  要闻动态  >  广东要闻

商业银行房贷审查趋严

来源: 南方日报网络版     时间: 2019年09月19日 21:21:23
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(原)(标)(题)(:商)(业)(银)(行)(房)(贷)(审)(查)(趋)(严)(接)(力)(贷)(等)(进)(入)(谨)(慎)(名)(单)(
来)(源)(:北)(京)(商)(报)(记)(者)(崔)(启)(斌)(程)(维)(妙)(
个)(人)(购)(房)(差)(异)(化)(信)(贷)(政)(策)(让)(不)(少)(家)(庭)(为)(了)(买)(房)(而)(假)(离)(婚)(。而)(近)(期)(部)(分)(银)(行)(开)(始)(对)(“假)(离)(婚)(”、“合)(力)(贷)(”、“接)(力)(贷)(”等)(方)(式)(加)(强)(审)(查)(力)(度)(,甚)(至)(对)(此)(类)(情)(况)(暂)(停)(放)(贷)(。昨)(日)(有)(消)(息)(传)(出)(,上)(海)(部)(分)(银)(行)(“限)(贷)(”再)(加)(码)(,叫)(停)(“接)(力)(贷)(”、“合)(力)(贷)(”。
对)(此)(,兴)(业)(银)(行)(相)(关)(负)(责)(人)(对)(北)(京)(商)(报)(记)(者)(表)(示)(,该)(行)(上)(海)(分)(行)(已)(落)(实)(差)(别)(化)(住)(房)(信)(贷)(政)(策)(;要)(求)(受)(理)(接)(力)(贷)(等)(按)(揭)(业)(务)(时)(审)(慎)(贷)(前)(调)(查)(。加)(强)(借)(款)(人)(第)(一)(还)(款)(来)(源)(审)(核)(,确)(保)(还)(款)(能)(力)(充)(足)(。
此)(前)(曾)(经)(下)(发)(通)(知)(表)(示)(“严)(查)(房)(贷)(申)(请)(资)(格)(,尤)(其)(对)(离)(婚)(不)(到)(半)(年)(的)(房)(贷)(申)(请)(人)(进)(行)(严)(查)(”的)(民)(生)(银)(行)(,昨)(日)(又)(出)(现)(叫)(停)(非)(标)(准)(个)(人)(按)(揭)(贷)(款)(审)(批)(的)(传)(闻)(。消)(息)(显)(示)(,民)(生)(银)(行)(上)(海)(分)(行)(叫)(停)(部)(分)(非)(标)(准)(个)(人)(按)(揭)(贷)(款)(审)(批)(。叫)(停)(的)(非)(标)(准)(个)(人)(按)(揭)(贷)(款)(包)(括)(:离)(婚)(时)(间)(在)(6个)(月)(以)(下)(的)(个)(人)(按)(揭)(贷)(款)(申)(请)(,以)(及)(接)(力)(贷)(、合)(力)(贷)(等)(。北)(京)(商)(报)(记)(者)(尝)(试)(采)(访)(该)(行)(,但)(截)(至)(发)(稿)(,该)(行)(相)(关)(人)(士)(未)(对)(记)(者)(做)(出)(回)(应)(。
所)(谓)(合)(力)(贷)(,指)(以)(子)(女)(作)(为)(所)(购)(房)(屋)(的)(所)(有)(权)(人)(,子)(女)(方)(的)(父)(母)(作)(为)(共)(同)(借)(款)(人)(,贷)(款)(购)(买)(住)(房)(的)(住)(房)(信)(贷)(产)(品)(。接)(力)(贷)(,指)(以)(父)(母)(作)(为)(所)(购)(房)(屋)(的)(所)(有)(权)(人)(,父)(母)(方)(的)(子)(女)(作)(为)(共)(同)(借)(款)(人)(,贷)(款)(购)(买)(住)(房)(的)(住)(房)(信)(贷)(产)(品)(。
在)(这)(轮)(房)(价)(快)(速)(上)(涨)(潮)(中)(,商)(业)(银)(行)(的)(信)(贷)(放)(水)(最)(为)(引)(人)(关)(注)(。央)(行)(数)(据)(显)(示)(,前)(三)(季)(度)(人)(民)(币)(贷)(款)(增)(加)(10.16万)(亿)(元)(,包)(括)(个)(人)(住)(房)(按)(揭)(贷)(款)(的)(“住)(户)(部)(门)(中)(长)(期)(贷)(款)(”增)(加)(4.2万)(亿)(元)(。而)(前)(三)(季)(度)(个)(人)(住)(房)(贷)(款)(增)(量)(占)(全)(部)(贷)(款)(增)(量)(的)(35.7%。央)(行)(新)(任)(调)(查)(统)(计)(司)(司)(长)(阮)(健)(弘)(介)(绍)(,前)(三)(季)(度)(住)(房)(贷)(款)(累)(计)(新)(增)(3.63万)(亿)(元)(,同)(比)(多)(增)(1.8万)(亿)(元)(。她)(解)(释)(称)(,住)(房)(贷)(款)(增)(加)(主)(要)(是)(一)(二)(线)(城)(市)(成)(交)(活)(跃)(,此)(外)(也)(与)(金)(融)(机)(构)(和)(个)(人)(资)(产)(配)(置)(有)(关)(。
为)(了)(防)(范)(房)(地)(产)(市)(场)(过)(快)(上)(涨)(、抑)(制)(炒)(房)(,进)(入)(10月)(以)(来)(,各)(地)(的)(房)(贷)(政)(策)(、审)(查)(标)(准)(不)(断)(趋)(严)(,10月)(12日)(,央)(行)(召)(集)(5家)(国)(有)(大)(行)(和)(12家)(股)(份)(制)(商)(业)(银)(行)(相)(关)(负)(责)(人)(开)(会)(,讨)(论)(当)(前)(房)(地)(产)(信)(贷)(形)(势)(;10月)(19日)(下)(午)(,央)(行)(上)(海)(总)(部)(召)(集)(在)(沪)(商)(业)(银)(行)(,要)(求)(继)(续)(严)(格)(执)(行)(限)(贷)(政)(策)(、加)(强)(居)(民)(收)(入)(证)(明)(真)(实)(性)(的)(审)(核)(。会)(议)(要)(求)(,各)(商)(业)(银)(行)(要)(继)(续)(严)(格)(执)(行)(限)(贷)(政)(策)(,防)(止)(变)(相)(放)(松)(要)(求)(、打)(政)(策)(擦)(边)(球)(的)(情)(况)(,同)(时)(要)(继)(续)(强)(化)(对)(首)(付)(资)(金)(来)(源)(的)(审)(查)(,加)(强)(居)(民)(收)(入)(证)(明)(真)(实)(性)(的)(审)(核)(,并)(切)(实)(防)(范)(各)(类)(资)(金)(违)(规)(流)(入)(土)(地)(市)(场)(。另)(外)(,部)(分)(地)(区)(也)(已)(经)(开)(展)(商)(业)(银)(行)(压)(力)(测)(试)(,防)(范)(房)(价)(下)(跌)(对)(商)(业)(银)(行)(资)(产)(质)(量)(带)(来)(冲)(击)(。
对)(于)(商)(业)(银)(行)(严)(查)(合)(力)(贷)(、接)(力)(贷)(等)(业)(务)(,易)(居)(研)(究)(院)(智)(库)(中)(心)(研)(究)(总)(监)(严)(跃)(进)(在)(接)(受)(北)(京)(商)(报)(记)(者)(采)(访)(时)(表)(示)(,接)(力)(贷)(这)(种)(业)(务)(被)(认)(为)(是)(打)(政)(策)(擦)(边)(球)(的)(做)(法)(,而)(且)(也)(是)(炒)(房)(的)(资)(金)(来)(源)(之)(一)(,因)(此)(商)(业)(银)(行)(对)(这)(类)(业)(务)(进)(行)(收)(紧)(也)(是)(非)(常)(有)(可)(能)(的)(。不)(过)(他)(也)(谈)(到)(,接)(力)(贷)(等)(业)(务)(不)(是)(很)(常)(见)(,不)(是)(很)(多)(人)(能)(够)(享)(受)(这)(种)(模)(式)(,所)(以)(影)(响)(不)(大)(,真)(正)(影)(响)(购)(房)(者)(的)(还)(是)(对)(普)(通)(商)(贷)(的)(收)(紧)(。
伟)(嘉)(安)(捷)(房)(贷)(专)(家)(吴)(昊)(对)(北)(京)(商)(报)(记)(者)(表)(示)(,对)(商)(业)(银)(行)(来)(说)(,合)(力)(贷)(、接)(力)(贷)(这)(类)(业)(务)(的)(风)(险)(大)(,房)(屋)(产)(权)(不)(够)(明)(晰)(,建)(委)(只)(认)(房)(产)(证)(上)(的)(名)(字)(,一)(旦)(出)(现)(坏)(账)(在)(处)(置)(时)(会)(很)(麻)(烦)(,所)(以)(北)(京)(地)(区)(的)(商)(业)(银)(行)(早)(已)(停)(止)(此)(类)(业)(务)(,即)(使)(在)(外)(地)(这)(类)(业)(务)(的)(占)(比)(和)(体)(量)(也)(不)(大)(。在)(她)(看)(来)(,临)(近)(年)(底)(,商)(业)(银)(行)(贷)(款)(收)(紧)(是)(普)(遍)(趋)(势)(,放)(款)(速)(度)(也)(比)(较)(慢)(,对)(个)(别)(风)(险)(较)(大)(的)(业)(务)(进)(行)(严)(格)(审)(查)(也)(是)(比)(较)(正)(常)(的)(,预)(计)(对)(市)(场)(不)(会)(造)(成)(太)(大)(影)(响)(。
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