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On October 24th, Guangdong's banking industry was held in Guangzhou in the third quarter of 2023.In the first three quarters of this year, the banking industry in Guangdong continued to maintain a good situation. Data showed that as of the end of the third quarter of this year, the total assets of the banking industry in Guangdong Province was 38 trillion yuan, an increase of 9.92%year -on -year.The balance of various deposits was 3.02 trillion yuan, an increase of 11.38%year -on -year; the balance of each loan was 2.655 trillion yuan, an increase of 10.52%year -on -year.
Guangdong's banking industry is continuously increasing financial support for key areas such as manufacturing, technology -based enterprises, and "millions of projects". As of the end of the third quarter, the balance of manufacturing loans in the manufacturing industry in the third quarter;The technical industry, intellectual property dense industries, and the core industry loan of the digital economy; the balance of agricultural loans, etc., has increased by more than 20%year -on -year.Regarding the public loan interest rate of the public's concerns, as of now, the bank institutions have completed the scale of the stock loan that reduces interest rates nearly 2.5 trillion yuan, and the interest rate is about 75 basis points.Essence
20 cities in Guangdong have introduced differentiated housing credit policies
Huang Haihui, a member of the Party Committee of the Guangdong Supervision Bureau and a second -level inspector of the Guangdong Supervision Bureau of the State Administration of Finance and Administration of the State Administration of Finance and Administration of the State Administration of Finance and Administration, said that the overall financing of the real estate market is stable.As of the end of the third quarter, the balance of real estate loans of the entire jurisdiction exceeded 5.3 trillion yuan, and the balance of personal housing mortgage loans exceeded 4.1 trillion yuan, which maintained a positive growth year -on -year.
"In September, personal housing loans increased by 34.482 billion yuan, which reversed the negative growth trend of the previous two months." Huang Haihui said that cooperating with the local government's "policy of the city", 20 local cities in the jurisdiction have been introduced.policy.In addition, it is continuously exploring the better solution to prevent and control the business risk and convenience of real estate.Promoting the "Bringing Tastor" model in cities in all parts of the jurisdiction, such as the launch of "dual preview and dual supervision"+"four -one" cross -line second -hand housing "Bringing the Transfer" seamless connection mode in the Shantou area.The "notarized deposit and deposit+mortgage" model, etc., can effectively prevent and control real estate "bringing transfer" business risks to respond to the concerns of the masses.
In terms of the protection of the rights and interests of financial consumers, Huang Haihui mentioned that it has effectively reduced the cost of consumer financial costs and promoted the timely efficient implementation of the policy of the first set of mortgages in stock. As of now, the bank institutions have completed the amount of stock loans to reduce interest rates nearly 2.5 trillion yuan.In terms of interest rates, about 75 basis points are adjusted at the average, which can save about 18 billion yuan in interest expenses for buyers each year.
The participation of the "Cross -border Financial Management" in the Greater Bay Area involves a related amount of more than 6.3 billion yuan
"Promote the construction of the international financial hub of the Greater Bay Area with the goal of opening high levels." Huang Haihui mentioned that actively exploring the connection mechanism of the financial rules of Guangdong, Hong Kong and Macao, deepened the high level of banking industry to the public, and promoted the interconnection of the financial market.
In terms of continuous deepening of cross -border financial cooperation in Guangdong, Hong Kong and Macao, as of the end of the third quarter, various loans of banking financial institutions in Nansha and Hengqin Free Trade Zone increased by 14.83%year -on -year.The balance of manufacturing loans increased by 76.96%, 62.36%, 44.95%, and 61.25%year -on -year, respectively.
Jointly promoting the "cross -border wealth management" business pilot optimization policies to be optimized. As of the end of August this year, the Greater Bay Area participated in 59,000 individual investors in the "Cross -border Wealth Management".The related amount exceeds 6.3 billion yuan.In addition, the advantages of the Greater Bay Area have led to the development of green finance. As of the end of the third quarter, the green credit balance of major banking institutions in the jurisdiction was 2.02 trillion yuan, an increase of 41.55%year -on -year, which was 30.23 percentage points higher than the growth rate of various loans; green credit accounted forThe ratio of various loans was 15.29%, an increase of 3.08 percentage points year -on -year.
More and more cities have canceled the purchase restrictions on the property market.
Recently, Zhongshan Housing and Urban -Rural Development Bureau issued the "Notice on Further Optimizing Real Estate Regulation and Control Policy", announcing that Shiqi Street has suspended the implementation of commercial housing purchase restrictions.This is another purchase restriction area for purchase restrictions after the suspension of commodity housing purchase restrictions on the implementation of commercial housing purchase restrictions on September 24, which means that there is no restriction on the purchase of commercial housing in Zhongshan City.
In the past, due to the high housing prices in Shenzhen and the good commuting expectations of the Shenzhen -Middle Channel, cross -city life has become a good imagination of many people. Especially after the approval of the "Shenzhen -Middle Channel" project, the Zhongshan property market once ushered in the "warm wind".It is worth noting that, in the context of the overall downside of the real estate industry, in 2022, Zhongshan's residential transaction volume has also dropped to 37,000 units, and prices have also fallen.
In Ma'Andao, the closest to the Shenzhen -Middle Channel, the local new house sales manager told reporters that at present, the average price of most real estate on the island in 2020 is difficult to see.New houses are everywhere.
In Guangzhou near Zhongshan, after the first implementation of the "house recognition" policy in first -tier cities, Guangzhou had previously announced the first announcement of relaxation of purchase restrictions.On September 20, the Guangzhou Municipal Government issued a new property market, proposed to adjust the implementation area of the housing purchase restriction policy, and adjusted the purchase area to Yuexiu, Haizhu, Liwan, Tianhe, Baiyun (excluding Jianggao Town, Taihe Town, Renhe Town, Town, Town, Town, Town, Town, TownZhongluotan Town) and Nansha total 6 districts.In addition, the non -household registration population can purchase a house in the restricted area for taxation or paying for 2 years in Guangzhou.The reporter learned that before that, only the two districts of Guangzhou City had no restrictions on the two districts of Conghua and Zengcheng.
During the "Golden Week" holiday just in the past, with the continuous landing of many favorable policies in Guangzhou, especially the loosening of the purchase restriction policy, it has boosted the confidence of the property market to a certain extent and released some rigidity and improved demand.Data from the Middle Finger Research Institute show that during the Golden Week (September 29-October 6), the Guangzhou online signing commercial house was 157,000 square meters, an increase of 13.2%from the same period in 2022.The middle finger research institute believes that from the perspective of the "Golden Week" overall performance, the number of visits and market transactions have a significant recovery compared to the previous, but the market differentiation trend is obvious, especially the Panyu, Huangpu and other areas after the release of the purchase restriction policy.The transaction should be better than the peripheral area. The heat of the core sector in the central area continues, but the transactions in the market in the peripheral areas such as Zengcheng, Conghua, Nansha, and Huadu still maintain a cold trend.
Data show that since July, the optimization policies of the market in various places have been rising as a whole. In September, the policy frequency reached the highest level of monthly monthly in the fourth quarter of last year.aspect.Chen Wenjing, the market research director of the middle finger research institute, said that in the short term, there will be room for optimization in the future demand side and supply side policy.Stock assets, supporting activated idle plots, and renovation of the village in the large and large urban city in the large city.
"The recovery of the subsequent real estate market is still affected by several factors: First, the economic recovery and residents' confidence recovery. This is the prerequisite for the stability of the real estate market. This round of market recovery requires a longer period of time, the repair process is slow and gentle, and reasonable expectations are required.It is the supply of new houses. This may become one of the factors that restrict the recovery of some core cities. The short -term demand policy needs to be optimized. At the same time, a series of measures in the reconstruction of the city in the city also need to land quickly to better promote market stability. "
1. Develop background
In order to thoroughly implement the decision -making and deployment of the Party Central Committee and the State Council, adhere to the policy of the city, make good use of the policy tool box, better meet the rigidity of residents and improve the needs of housing, and promote the stable and healthy development of the real estate market in the city.Combined with the actual situation of our city and drawing on foreign experience and practices, with the consent of the Municipal People's Government, Zhuhai Housing and Urban -Rural Development Bureau, Zhuhai Natural Resources Bureau, Zhuhai Housing Provident Fund Management Center, Zhuhai Real Estate Registration Center, People's Bank of China Zhuhai CityThe Branch and the Zhuhai Supervision Branch of the State Administration of Finance and Administration jointly issued the "Notice on Further Promoting the Stable and Healthy Development of the Real Estate Market in our City" (hereinafter referred to as the "Notice").
2. Formulate the basis
The "People's Republic of China Urban Real Estate Management Law", "Regulations on the Management of Urban Real Estate Development and Management", "Regulations on the Management of Housing Provident Fund", "Regulations on the Management of Pre -sale of Commodity Housing in Guangdong Province", and the State Administration of Financial Supervision and Administration of the People's Bank of China on adjusting and optimizing differentiated housing credit policiesNotice "and so on.
3. Main content
The "Notice" includes six measures to make policy adjustments to the price management of commercial housing filing, housing credit, prefabricated buildings, housing provident fund, residential units design and commercial supporting construction, project approval process, etc.
(1) Optimize the price management of the filing of commercial housing
With the gradual improvement of residents' living standards and the improvement of living conditions, the concept of housing has changed greatly, and the demand for housing has gradually changed from rigid demand to improvement.The construction of housing quality is an important measure to continuously meet the people's demand for high -quality housing, and it is also an inevitable trend to promote the real estate industry in our city to high -quality development.Therefore, in order to encourage the city's smart housing and low -volume ratio, high green land rate, environmental protection and energy saving and three -dimensional ecological commodity housing, the price will be recorded at the time of filing, and there is no need to compare the price.
(2) Optimize housing credit policy
Implement the "Notice of the State Administration of Finance and Administration of the People's Bank of China on adjusting and optimizing differentiated housing credit policies". For residents and families who purchase commercial housing for loans, the minimum down payment ratio of commercial personal housing loans in housing is not less than 20%.The minimum down payment ratio of the two sets of housing commercial personal housing loans is not less than 30%.The lower limit of the first set of housing commercial personal housing loan interest rate policy is implemented in accordance with the current regulations. The lower limit of the two sets of housing commercial personal housing loan interest rate policy is adjusted to not less than the corresponding period of loan market quotation interest rate plus 20 basis points.
(3) Accelerate the development of prefabricated buildings
According to Article 30 of the "Regulations on the Green Building of Guangdong Province", "People's Government of the county level or above should develop new construction methods such as prefabricated buildings to improve the standardized design, factory production, assembly construction, integrated decoration, and decoration of new civil building projects, and to improve the construction of new civil building projects.Intelligent management level, promote the modernization of the construction industry ", in order to vigorously develop prefabricated buildings, promote the transformation and upgrading of the construction industry, promote the rapid development of new construction industrialization, and use prefabricated construction of commercial housing development projects in pre -sale conditions for commercial housing pre -sale conditions.Under the premise, when the construction image of the main body of the building reaches one tenth of the total number of floors above the building and the top floor of the ground, the development enterprise can apply for the pre -sale permit for commercial housing with the administrative department of the housing and urban and rural construction administrative departments.
(4) Increase support of provident fund policy
The first is to implement the supporting fund supporting policy of the "recognition of houses and not recognize loans". In the Zhuhai City, there are no employee families in Zhuhai.The down payment ratio of the loan policy of the suite and the implementation of the loan interest rate.
The second is to increase the amount of housing provident fund loans, and the maximum limit of the housing provident fund loan of double -paying employees is adjusted to 900,000 yuan.
(5) Encourage residential apartment design innovation and commercial supporting construction
In order to meet the needs of high -quality residential space, encourage housing projects to allocate more open and comfortable landscape balconies and more spacious bay windows. With reference to Guangzhou experience and practices, for residential projects that have not been planned to verify, half of each house balcony can be used for half of each house balcony.The upper limit of the tolerance area increased from 15%of the surrounding area of the apartment to 20%, and did not limit the deepening of the main landscape balcony with the main landscape balcony not less than 40%.At the same time, the depth of the lack of floating windows is increased from 0.60 meters to 0.80 meters, which helps to provide more spacious and comfortable indoor space.
In order to encourage the development and utilization of underground space, improve the construction of commercial service facilities, and cancel the provisions of the underground business capacity, if the land use has included commercial functions and has not yet been planned to verify it, you can apply for new underground business and new underground business as needed.The corresponding parking space should be built as required and the land price should be paid well.
In view of the actual situation of Hengqin Guangdong -Australia In -depth Cooperation Zone (hereinafter referred to as the "Cooperation Zone"), within the scope of the cooperation zone, the fifth point (1) and (2) items applies to items that have not obtained engineering planning permits.The (3) item still follows the original technical standards of the cooperation zone.Specifically, the Urban Planning and Construction Bureau of the Cooperation Zone is responsible for explaining.
(6) Further optimize the project approval process