新政策,新政策,新政策!房贷首付又降新低!

RDER-BOTTOM: 0px;BORDER-LEFT: 0px;PADDING-BOTTOM: 0px;TEXT-TRANSFORM: none;BACKGROUND-COLOR: rgb(255,255,255);LIST-STYLE-TYPE: none;TEXT-INDENT: 28pt;MARGIN: 0cm 0cm 0pt;OUTLINE-STYLE: none;OUTLINE-COLOR: invert;PADDING-LEFT: 0px;OUTLINE-WIDTH: medium;PADDING-RIGHT: 0px;FONT: 14px/26px Arial, 宋体, SimSun, HELVETICA, 'Hiragino Sans GB';WHITE-SPACE: normal;LETTER-SPACING: normal;COLOR: rgb(51,51,51);OVERFLOW: visible;BORDER-: 0px;BORDER-RIGHT: 0px;WORD-SPACING: 0px;PADDING-: 0px;-webkit-text-stroke-width: 0px" class="MsoNormal">RDER-BOTTOM: 0px;BORDER-LEFT: 0px;PADDING-BOTTOM: 0px;MARGIN: 0px;OUTLINE-STYLE: none;OUTLINE-COLOR: invert;PADDING-LEFT: 0px;OUTLINE-WIDTH: medium;PADDING-RIGHT: 0px;FONT-FAMILY: 宋体;FONT-SIZE: 14pt;BORDER-: 0px;BORDER-RIGHT: 0px;PADDING-: 0px">一、在不实施“限购”措施的城市RDER-BOTTOM: 0px;BORDER-LEFT: 0px;PADDING-BOTTOM: 0px;MARGIN: 0px;OUTLINE-STYLE: none;OUTLINE-COLOR: invert;PADDING-LEFT: 0px;OUTLINE-WIDTH: medium;PADDING-RIGHT: 0px;BORDER-: 0px;BORDER-RIGHT: 0px;PADDING-: 0px" lang="EN-US">,居民家庭首次购买普通住房的商业性个人住房贷款RDER-BOTTOM: 0px;BORDER-LEFT: 0px;PADDING-BOTTOM: 0px;MARGIN: 0px;OUTLINE-STYLE: none;OUTLINE-COLOR: invert;PADDING-LEFT: 0px;OUTLINE-WIDTH: medium;PADDING-RIGHT: 0px;BORDER-: 0px;BORDER-RIGHT: 0px;PADDING-: 0px" lang="EN-US">,原则上低首付款比例为RDER-BOTTOM: 0px;BORDER-LEFT: 0px;PADDING-BOTTOM: 0px;MARGIN: 0px;OUTLINE-STYLE: none;OUTLINE-COLOR: invert;PADDING-LEFT: 0px;OUTLINE-WIDTH: medium;PADDING-RIGHT: 0px;BORDER-: 0px;BORDER-RIGHT: 0px;PADDING-: 0px" lang="EN-US">25%,各地可向下浮动RDER-BOTTOM: 0px;BORDER-LEFT: 0px;PADDING-BOTTOM: 0px;MARGIN: 0px;OUTLINE-STYLE: none;OUTLINE-COLOR: invert;PADDING-LEFT: 0px;OUTLINE-WIDTH: medium;PADDING-RIGHT: 0px;BORDER-: 0px;BORDER-RIGHT: 0px;PADDING-: 0px" lang="EN-US">5个百分点；对拥有RDER-BOTTOM: 0px;BORDER-LEFT: 0px;PADDING-BOTTOM: 0px;MARGIN: 0px;OUTLINE-STYLE: none;OUTLINE-COLOR: invert;PADDING-LEFT: 0px;OUTLINE-WIDTH: medium;PADDING-RIGHT: 0px;BORDER-: 0px;BORDER-RIGHT: 0px;PADDING-: 0px" lang="EN-US">1套住房且相应购房贷款未结清的居民家庭RDER-BOTTOM: 0px;BORDER-LEFT: 0px;PADDING-BOTTOM: 0px;MARGIN: 0px;OUTLINE-STYLE: none;OUTLINE-COLOR: invert;PADDING-LEFT: 0px;OUTLINE-WIDTH: medium;PADDING-RIGHT: 0px;BORDER-: 0px;BORDER-RIGHT: 0px;PADDING-: 0px" lang="EN-US">,为改善居住条件再次申请商业性个人住房贷款购买普通住房RDER-BOTTOM: 0px;BORDER-LEFT: 0px;PADDING-BOTTOM: 0px;MARGIN: 0px;OUTLINE-STYLE: none;OUTLINE-COLOR: invert;PADDING-LEFT: 0px;OUTLINE-WIDTH: medium;PADDING-RIGHT: 0px;BORDER-: 0px;BORDER-RIGHT: 0px;PADDING-: 0px" lang="EN-US">,低首付款比例调整为不低于RDER-BOTTOM: 0px;BORDER-LEFT: 0px;PADDING-BOTTOM: 0px;MARGIN: 0px;OUTLINE-STYLE: none;OUTLINE-COLOR: invert;PADDING-LEFT: 0px;OUTLINE-WIDTH: medium;PADDING-RIGHT: 0px;BORDER-: 0px;BORDER-RIGHT: 0px;PADDING-: 0px" lang="EN-US">30%。RDER-BOTTOM: 0px;BORDER-LEFT: 0px;PADDING-BOTTOM: 0px;MARGIN: 0px;OUTLINE-STYLE: none;OUTLINE-COLOR: invert;PADDING-LEFT: 0px;OUTLINE-WIDTH: medium;PADDING-RIGHT: 0px;BORDER-: 0px;BORDER-RIGHT: 0px;PADDING-: 0px" lang="EN-US">

RDER-BOTTOM: 0px;BORDER-LEFT: 0px;PADDING-BOTTOM: 0px;TEXT-TRANSFORM: none;BACKGROUND-COLOR: rgb(255,255,255);LIST-STYLE-TYPE: none;TEXT-INDENT: 28pt;MARGIN: 0cm 0cm 0pt;OUTLINE-STYLE: none;OUTLINE-COLOR: invert;PADDING-LEFT: 0px;OUTLINE-WIDTH: medium;PADDING-RIGHT: 0px;FONT: 14px/26px Arial, 宋体, SimSun, HELVETICA, 'Hiragino Sans GB';WHITE-SPACE: normal;LETTER-SPACING: normal;COLOR: rgb(51,51,51);OVERFLOW: visible;BORDER-: 0px;BORDER-RIGHT: 0px;WORD-SPACING: 0px;PADDING-: 0px;-webkit-text-stroke-width: 0px" class="MsoNormal">RDER-BOTTOM: 0px;BORDER-LEFT: 0px;PADDING-BOTTOM: 0px;MARGIN: 0px;OUTLINE-STYLE: none;OUTLINE-COLOR: invert;PADDING-LEFT: 0px;OUTLINE-WIDTH: medium;PADDING-RIGHT: 0px;FONT-FAMILY: 宋体;FONT-SIZE: 14pt;BORDER-: 0px;BORDER-RIGHT: 0px;PADDING-: 0px">对于实施“限购”措施的城市RDER-BOTTOM: 0px;BORDER-LEFT: 0px;PADDING-BOTTOM: 0px;MARGIN: 0px;OUTLINE-STYLE: none;OUTLINE-COLOR: invert;PADDING-LEFT: 0px;OUTLINE-WIDTH: medium;PADDING-RIGHT: 0px;BORDER-: 0px;BORDER-RIGHT: 0px;PADDING-: 0px" lang="EN-US">,个人住房贷款政策按原规定执行。RDER-BOTTOM: 0px;BORDER-LEFT: 0px;PADDING-BOTTOM: 0px;MARGIN: 0px;OUTLINE-STYLE: none;OUTLINE-COLOR: invert;PADDING-LEFT: 0px;OUTLINE-WIDTH: medium;PADDING-RIGHT: 0px;BORDER-: 0px;BORDER-RIGHT: 0px;PADDING-: 0px" lang="EN-US">

RDER-BOTTOM: 0px;BORDER-LEFT: 0px;PADDING-BOTTOM: 0px;TEXT-TRANSFORM: none;BACKGROUND-COLOR: rgb(255,255,255);LIST-STYLE-TYPE: none;TEXT-INDENT: 28pt;MARGIN: 0cm 0cm 0pt;OUTLINE-STYLE: none;OUTLINE-COLOR: invert;PADDING-LEFT: 0px;OUTLINE-WIDTH: medium;PADDING-RIGHT: 0px;FONT: 14px/26px Arial, 宋体, SimSun, HELVETICA, 'Hiragino Sans GB';WHITE-SPACE: normal;LETTER-SPACING: normal;COLOR: rgb(51,51,51);OVERFLOW: visible;BORDER-: 0px;BORDER-RIGHT: 0px;WORD-SPACING: 0px;PADDING-: 0px;-webkit-text-stroke-width: 0px" class="MsoNormal">RDER-BOTTOM: 0px;BORDER-LEFT: 0px;PADDING-BOTTOM: 0px;MARGIN: 0px;OUTLINE-STYLE: none;OUTLINE-COLOR: invert;PADDING-LEFT: 0px;OUTLINE-WIDTH: medium;PADDING-RIGHT: 0px;FONT-FAMILY: 宋体;FONT-SIZE: 14pt;BORDER-: 0px;BORDER-RIGHT: 0px;PADDING-: 0px">二、在此基础上RDER-BOTTOM: 0px;BORDER-LEFT: 0px;PADDING-BOTTOM: 0px;MARGIN: 0px;OUTLINE-STYLE: none;OUTLINE-COLOR: invert;PADDING-LEFT: 0px;OUTLINE-WIDTH: medium;PADDING-RIGHT: 0px;BORDER-: 0px;BORDER-RIGHT: 0px;PADDING-: 0px" lang="EN-US">,人民银行、银监会各派出机构应按照“分类指导RDER-BOTTOM: 0px;BORDER-LEFT: 0px;PADDING-BOTTOM: 0px;MARGIN: 0px;OUTLINE-STYLE: none;OUTLINE-COLOR: invert;PADDING-LEFT: 0px;OUTLINE-WIDTH: medium;PADDING-RIGHT: 0px;BORDER-: 0px;BORDER-RIGHT: 0px;PADDING-: 0px" lang="EN-US">,因地施策”的原则RDER-BOTTOM: 0px;BORDER-LEFT: 0px;PADDING-BOTTOM: 0px;MARGIN: 0px;OUTLINE-STYLE: none;OUTLINE-COLOR: invert;PADDING-LEFT: 0px;OUTLINE-WIDTH: medium;PADDING-RIGHT: 0px;BORDER-: 0px;BORDER-RIGHT: 0px;PADDING-: 0px" lang="EN-US">,加强与地方政府的沟通RDER-BOTTOM: 0px;BORDER-LEFT: 0px;PADDING-BOTTOM: 0px;MARGIN: 0px;OUTLINE-STYLE: none;OUTLINE-COLOR: invert;PADDING-LEFT: 0px;OUTLINE-WIDTH: medium;PADDING-RIGHT: 0px;BORDER-: 0px;BORDER-RIGHT: 0px;PADDING-: 0px" lang="EN-US">,指导各省级市场利率定价自律机制结合当地不同城市实际情况自主确定辖区内商业性个人住房贷款的低首付款比例。RDER-BOTTOM: 0px;BORDER-LEFT: 0px;PADDING-BOTTOM: 0px;MARGIN: 0px;OUTLINE-STYLE: none;OUTLINE-COLOR: invert;PADDING-LEFT: 0px;OUTLINE-WIDTH: medium;PADDING-RIGHT: 0px;BORDER-: 0px;BORDER-RIGHT: 0px;PADDING-: 0px" lang="EN-US">

RDER-BOTTOM: 0px;BORDER-LEFT: 0px;PADDING-BOTTOM: 0px;TEXT-TRANSFORM: none;BACKGROUND-COLOR: rgb(255,255,255);LIST-STYLE-TYPE: none;TEXT-INDENT: 28pt;MARGIN: 0cm 0cm 0pt;OUTLINE-STYLE: none;OUTLINE-COLOR: invert;PADDING-LEFT: 0px;OUTLINE-WIDTH: medium;PADDING-RIGHT: 0px;FONT: 14px/26px Arial, 宋体, SimSun, HELVETICA, 'Hiragino Sans GB';WHITE-SPACE: normal;LETTER-SPACING: normal;COLOR: rgb(51,51,51);OVERFLOW: visible;BORDER-: 0px;BORDER-RIGHT: 0px;WORD-SPACING: 0px;PADDING-: 0px;-webkit-text-stroke-width: 0px" class="MsoNormal">RDER-BOTTOM: 0px;BORDER-LEFT: 0px;PADDING-BOTTOM: 0px;MARGIN: 0px;OUTLINE-STYLE: none;OUTLINE-COLOR: invert;PADDING-LEFT: 0px;OUTLINE-WIDTH: medium;PADDING-RIGHT: 0px;FONT-FAMILY: 宋体;FONT-SIZE: 14pt;BORDER-: 0px;BORDER-RIGHT: 0px;PADDING-: 0px">三、银行业金融机构应结合各省级市场利率定价自律机制确定的低首付款比例要求以及本机构商业性个人住房贷款投放政策、风险防控等因素RDER-BOTTOM: 0px;BORDER-LEFT: 0px;PADDING-BOTTOM: 0px;MARGIN: 0px;OUTLINE-STYLE: none;OUTLINE-COLOR: invert;PADDING-LEFT: 0px;OUTLINE-WIDTH: medium;PADDING-RIGHT: 0px;BORDER-: 0px;BORDER-RIGHT: 0px;PADDING-: 0px" lang="EN-US">,并根据借款人的信用状况、还款能力等合理确定具体首付款比例和利率水平。RDER-BOTTOM: 0px;BORDER-LEFT: 0px;PADDING-BOTTOM: 0px;MARGIN: 0px;OUTLINE-STYLE: none;OUTLINE-COLOR: invert;PADDING-LEFT: 0px;OUTLINE-WIDTH: medium;PADDING-RIGHT: 0px;BORDER-: 0px;BORDER-RIGHT: 0px;PADDING-: 0px" lang="EN-US">

RDER-BOTTOM: 0px;BORDER-LEFT: 0px;PADDING-BOTTOM: 0px;TEXT-TRANSFORM: none;BACKGROUND-COLOR: rgb(255,255,255);LIST-STYLE-TYPE: none;TEXT-INDENT: 28pt;MARGIN: 0cm 0cm 0pt;OUTLINE-STYLE: none;OUTLINE-COLOR: invert;PADDING-LEFT: 0px;OUTLINE-WIDTH: medium;PADDING-RIGHT: 0px;FONT: 14px/26px Arial, 宋体, SimSun, HELVETICA, 'Hiragino Sans GB';WHITE-SPACE: normal;LETTER-SPACING: normal;COLOR: rgb(51,51,51);OVERFLOW: visible;BORDER-: 0px;BORDER-RIGHT: 0px;WORD-SPACING: 0px;PADDING-: 0px;-webkit-text-stroke-width: 0px" class="MsoNormal">RDER-BOTTOM: 0px;BORDER-LEFT: 0px;PADDING-BOTTOM: 0px;MARGIN: 0px;OUTLINE-STYLE: none;OUTLINE-COLOR: invert;PADDING-LEFT: 0px;OUTLINE-WIDTH: medium;PADDING-RIGHT: 0px;FONT-FAMILY: 宋体;FONT-SIZE: 14pt;BORDER-: 0px;BORDER-RIGHT: 0px;PADDING-: 0px">四、加强住房金融宏观审慎管理。人民银行、银监会各派出机构应强化对房地产贷款资产质量、区域集中度、机构稳健性的监测、分析和评估；督促各省级市场利率定价自律机制根据房地产形势变化及地方政府调控要求RDER-BOTTOM: 0px;BORDER-LEFT: 0px;PADDING-BOTTOM: 0px;MARGIN: 0px;OUTLINE-STYLE: none;OUTLINE-COLOR: invert;PADDING-LEFT: 0px;OUTLINE-WIDTH: medium;PADDING-RIGHT: 0px;BORDER-: 0px;BORDER-RIGHT: 0px;PADDING-: 0px" lang="EN-US">,及时对辖区内商业性个人住房贷款低首付款比例进行自律调整RDER-BOTTOM: 0px;BORDER-LEFT: 0px;PADDING-BOTTOM: 0px;MARGIN: 0px;OUTLINE-STYLE: none;OUTLINE-COLOR: invert;PADDING-LEFT: 0px;OUTLINE-WIDTH: medium;PADDING-RIGHT: 0px;BORDER-: 0px;BORDER-RIGHT: 0px;PADDING-: 0px" lang="EN-US">,促进银行业金融机构住房金融业务稳健运行和当地房地产市场平稳健康发展。RDER-BOTTOM: 0px;BORDER-LEFT: 0px;PADDING-BOTTOM: 0px;MARGIN: 0px;OUTLINE-STYLE: none;OUTLINE-COLOR: invert;PADDING-LEFT: 0px;OUTLINE-WIDTH: medium;PADDING-RIGHT: 0px;BORDER-: 0px;BORDER-RIGHT: 0px;PADDING-: 0px" lang="EN-US">

RDER-BOTTOM: 0px;BORDER-LEFT: 0px;PADDING-BOTTOM: 0px;TEXT-TRANSFORM: none;BACKGROUND-COLOR: rgb(255,255,255);LIST-STYLE-TYPE: none;TEXT-INDENT: 28pt;MARGIN: 0cm 0cm 0pt;OUTLINE-STYLE: none;OUTLINE-COLOR: invert;PADDING-LEFT: 0px;OUTLINE-WIDTH: medium;PADDING-RIGHT: 0px;FONT: 14px/26px Arial, 宋体, SimSun, HELVETICA, 'Hiragino Sans GB';WHITE-SPACE: normal;LETTER-SPACING: normal;COLOR: rgb(51,51,51);OVERFLOW: visible;BORDER-: 0px;BORDER-RIGHT: 0px;WORD-SPACING: 0px;PADDING-: 0px;-webkit-text-stroke-width: 0px" class="MsoNormal">RDER-BOTTOM: 0px;BORDER-LEFT: 0px;PADDING-BOTTOM: 0px;MARGIN: 0px;OUTLINE-STYLE: none;OUTLINE-COLOR: invert;PADDING-LEFT: 0px;OUTLINE-WIDTH: medium;PADDING-RIGHT: 0px;FONT-FAMILY: 宋体;FONT-SIZE: 14pt;BORDER-: 0px;BORDER-RIGHT: 0px;PADDING-: 0px">请人民银行上海总部、各分行、营业管理部、省会RDER-BOTTOM: 0px;BORDER-LEFT: 0px;PADDING-BOTTOM: 0px;MARGIN: 0px;OUTLINE-STYLE: none;OUTLINE-COLOR: invert;PADDING-LEFT: 0px;OUTLINE-WIDTH: medium;PADDING-RIGHT: 0px;BORDER-: 0px;BORDER-RIGHT: 0px;PADDING-: 0px" lang="EN-US">(首府RDER-BOTTOM: 0px;BORDER-LEFT: 0px;PADDING-BOTTOM: 0px;MARGIN: 0px;OUTLINE-STYLE: none;OUTLINE-COLOR: invert;PADDING-LEFT: 0px;OUTLINE-WIDTH: medium;PADDING-RIGHT: 0px;BORDER-: 0px;BORDER-RIGHT: 0px;PADDING-: 0px" lang="EN-US">)城市中心支行、副省级城市中心支行RDER-BOTTOM: 0px;BORDER-LEFT: 0px;PADDING-BOTTOM: 0px;MARGIN: 0px;OUTLINE-STYLE: none;OUTLINE-COLOR: invert;PADDING-LEFT: 0px;OUTLINE-WIDTH: medium;PADDING-RIGHT: 0px;BORDER-: 0px;BORDER-RIGHT: 0px;PADDING-: 0px" lang="EN-US">,各省RDER-BOTTOM: 0px;BORDER-LEFT: 0px;PADDING-BOTTOM: 0px;MARGIN: 0px;OUTLINE-STYLE: none;OUTLINE-COLOR: invert;PADDING-LEFT: 0px;OUTLINE-WIDTH: medium;PADDING-RIGHT: 0px;BORDER-: 0px;BORDER-RIGHT: 0px;PADDING-: 0px" lang="EN-US">(自治区、直辖市RDER-BOTTOM: 0px;BORDER-LEFT: 0px;PADDING-BOTTOM: 0px;MARGIN: 0px;OUTLINE-STYLE: none;OUTLINE-COLOR: invert;PADDING-LEFT: 0px;OUTLINE-WIDTH: medium;PADDING-RIGHT: 0px;BORDER-: 0px;BORDER-RIGHT: 0px;PADDING-: 0px" lang="EN-US">)银监局将本通知联合转发至辖区内城市商业银行、农村商业银行、农村合作银行、城乡信用社、外资银行、村镇银行。