Measures in our city

The Measures point out that the real estate credit policy should be implemented steadily to support residents' housing consumption. All banking institutions should reasonably arrange the amount of personal housing loans, optimize the business process of personal housing loans, and fully support the first set of residents and the demand for improved housing. In qualified cities in the province, we will actively implement the dynamic adjustment policy of the interest rate of the first set of newly issued housing personal housing loans, encourage banking institutions to reasonably reduce the interest rate of personal housing loans, and reduce the financing cost of residents' housing purchase. Encourage financial institutions to design exclusive medium-and long-term consumer credit products around mass consumption areas such as smart homes, green appliances, building materials and home improvement, and focus on increasing credit support for mass consumption such as home improvement home appliances.

In terms of expanding financial support in the field of automobile consumption, the Measures point out that financial institutions should be encouraged to increase credit support for automobile purchase, especially for new energy vehicles, by appropriately lowering the down payment ratio and loan interest rate, extending the repayment period, and improving the examination and approval efficiency. Encourage banking institutions to rely on the People's Bank of China's special refinancing policy for transportation and logistics, and actively issue low-interest loan funds to "two enterprises and two" entities for the purchase, consumption and upgrading of trucks.

at the same time, in order to further activate the consumer finance demand of catering, entertainment, cultural tourism and other service industries, the Measures require that the provincial policy risk-sharing fund pool and financial discount be actively used in combination with "relief loans" and various "quick service loans" products in the province, and financial relief assistance for catering, entertainment, cultural tourism, retail and other industries affected by the epidemic, especially small and micro enterprises and individual industrial and commercial households, be strengthened. Support banking institutions to increase support for bill financing in the above industries, simplify and optimize discount procedures, and reduce discount interest rates. Encourage the exploration and development of pledge loan business such as the right to operate tourist attractions, intellectual property rights and the right to use land for the construction and operation of cultural tourism enterprises. We will continue to develop short-term consumer finance businesses such as personal credit cards to meet the demand for restorative consumer credit in contact service industries such as catering, entertainment, cultural tourism, sports, recreation and nursery in the post-epidemic era.