On August 5, in response to online news, the reporter posted by the public network came to Qingdao Laoshan Sub-branch of China Everbright Bank. The staff said that they did get the news and have implemented it, but the specific rules have not yet been seen; The staff of the personal loan department of Gaoke Sub-branch of Qingdao Branch of Industrial and Commercial Bank of China said that the bank has started to implement it this week; The staff of China Construction Bank said that it was implemented at the beginning of the month, and the developer provided the completion acceptance report before the bank issued the mortgage loan. Subsequently, the reporter called Rizhao Bank and Agricultural Bank outlets, and the answers were all positive.
"This is definitely good news for buyers, but for developers, there is definitely pressure and banks will have more or less influence." A staff member of the bank said that from the perspective of banking company business, some developers may not repay bank loans. But all banks are the same, and the business of developers may be reduced.
"This is very good news for buyers! I support it. For practitioners, at present, developers will definitely adjust the layout from the houses that have been capped. Only by selling these houses can they pay back the money, and they will take the form of price reduction promotion. In order to stabilize the market price, there will definitely be losses, and this possibility will be very large. " The person in charge of a real estate project said that for enterprises that have already "exploded", the determination to "lie flat" may be stronger. At the same time, for enterprises with potential adverse effects, although there is no "bolt from the blue" at present, they do not have capped houses, and enterprises may introduce some phased policies. However, if this part of the money is still "a drop in the bucket", the construction period cannot be guaranteed, and it will still be "a bolt from the blue" in the later period. "Giving profits to consumers is not necessarily really good. Only consumers and enterprises, both supply and demand sides can' live' and the whole industry can develop steadily. "
According to insiders, after the implementation of this policy, it means that the loans applied by property buyers will not be issued until the property is capped, and developers will receive the full amount of the purchase price. Buyers' mortgages will also be paid after the property is capped, which is a good thing for buyers and greatly reduces the occurrence of unfinished business. For developers, the pressure has increased sharply, and stricter capital supervision has put forward higher requirements for developers' capital operation ability. In the past, they could be developed in a rolling way. Now ceiling mortgage has extremely high requirements for its own funds, and the differentiation of housing enterprises will become more and more serious. This also means that developers without sufficient financial strength will be eliminated, and enterprises with strength and strong management ability will gradually erode market share. "Many small and medium-sized enterprises or enterprises with narrow financing channels will also reduce their enthusiasm for land acquisition."
The reporter learned that in recent years, the problems caused by delayed delivery of real estate in China have been widely concerned, and problems such as broken capital chain and lack of supervision of individual development enterprises have also begun to be exposed. In this context, Qingdao has implemented the policy of "issuing mortgage loans after the property is capped", which has strengthened the protection for buyers to buy a house. Judging from the current situation, Qingdao is the first city to innovate and break through this kind of system.
Public Network Poster Reporter Liu Yuxin Qingdao Report