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2001年以来的我国房地产政策2001年的195号文件文件划定了我国房地产金融的模式,即银行资金对房地产开发仅仅起助推作用,不能成为房地产开发主要资金来源。该文件对银行资金进入房地产业圈定了三条途径:一是开发商以自有资金支付土地出让金和拆迁补偿费取得国有土地使用权,并办理了《国有土地使用证》、《建设用地规划使用证》、《建设工程规划许可证》、《建设工程施工许可证》后,银行可向其发放开发贷款,但房地产企业自有资金应不低于总投资的30%;二是在项目施工临近尾声,即多层住宅封顶或高层住宅完成总投资2/3时,商业银行可向个人发放按揭贷款,但贷款额不得超过房价的80%;三是商业银行可向房地产公司发放少量的流动资金贷款。
Since 2001, China’s real estate policy Document No. 195 of 2001 delineated China’s real estate finance model that bank funds only play a catalytic role in real estate development can not be the main source of funds for real estate development. This document defines three ways for bank funds to enter the real estate industry: First, the developer obtains the right to use state-owned land for the payment of land transfer fees and demolition compensation fees with its own funds, and handles the “State-owned Land Use Certificate” and “Construction Land Use Planning Permit ”,“ Construction Project Planning Permit ”,“ Construction Project Construction Permit ”, the bank may be granted development loans, but the real estate enterprises own funds should not be less than 30% of the total investment; the second is in the vicinity of the project construction At the end of the scale, that is, when a multi-storey residential building or a high-rise residential building finishes a total investment of 2/3, commercial banks may issue mortgages to individuals but the loan amount should not exceed 80% of the house price. Thirdly, commercial banks may issue small amounts of liquidity to real estate companies loan.