Establishing an urban real estate financing coordination mechanism and providing precise support to qualified real estate projects through the "white list" mechanism are important measures to promote the stable and healthy development of the real estate market. Reporters learned from financial regulatory authorities in many places that various places are currently accelerating the implementation of mechanisms to meet the financing needs of real estate "whitelist" projects.
As of March 18, Anhui Province has 103 first batch of "white list" projects that have been jointly stamped and confirmed by banks at all levels and coordination mechanisms. Commercial banks have completed a total of 61 credit extensions, with a credit amount of 20.66 billion yuan, and a total of 11.65 billion yuan in loans. . Chongqing launched the first batch of 73 "white list" projects, and has granted 4.8 billion yuan in new credit and 4.1 billion yuan in loans to 42 projects. The Hubei Supervision Bureau of the State Administration of Financial Supervision and Administration has made it clear that banks cannot raise loan standards without authorization. For projects that enter the first batch of "whitelists", they must "take all the loans that should be borrowed" and "quickly review and loan quickly" to improve the financing implementation rate. Many banks have also stated that they will speed up the approval of real estate "whitelist" projects.
Guangdong Huizhou:
Obtain funds to support the accelerated advancement of "whitelist" projects
The “white list” refers to the real estate financing coordination mechanism in various places. After sorting out the local real estate projects under construction, it pushes the qualified projects to the banks. This list is the “white list” of real estate financing. Each bank will then review and issue loans to meet the financing needs of the "whitelist" projects. After the "whitelist" project is pushed to the bank, what is the current effect? The reporter conducted an investigation in Huizhou, Guangdong.
A real estate company's property is one of the first real estate "white list" projects in Huizhou City, Guangdong Province. At the beginning of this month, the bank issued the first loan of 213 million yuan to this project. Today, the main project of the project has been basically completed.
In February this year, the Huizhou City Real Estate Financing Coordination Mechanism Working Team launched the first batch of 28 "whitelist" projects and pushed them to various financial institutions. This real estate company has already received financial support from banks for two projects.
In order to prevent loans from being misappropriated, Huizhou City has also established a mechanism to conduct closed-loop management of funds and strengthen supervision.
Wang Zhiping, deputy director of the Housing and Urban-Rural Development Bureau of Huizhou City, Guangdong Province: The housing and construction department can verify whether the corresponding project volume has occurred, and only if it has occurred will the housing and construction department agree to disburse the loan.
Statistics from the Guangdong Supervision Bureau of the State Administration of Financial Supervision and Administration show that as of the 21st of this month, 21 cities in Guangdong Province have established urban real estate financing coordination mechanisms and completed the push of the first batch of project "whitelists". Various banks have approved more than 60 credit projects, with a credit amount of 16.2 billion yuan, of which private and mixed-ownership real estate enterprises accounted for more than 80% of the projects.
The reporter noticed that from January to February this year, the national real estate development investment was 1.1842 billion yuan. Although it was still declining year-on-year, compared with the data at the end of last year, it had increased by 0.6 percentage points month-on-month.
Industry insiders believe that the real estate financing coordination mechanism is expected to continue to work hard in the short term to further ease the liquidity pressure on real estate companies. The report of the National Finance and Development Laboratory also believes that with the full implementation of the real estate financing coordination mechanism, the financing situation of real estate enterprises will be greatly improved, and the liquidity risk of the real estate industry will be significantly alleviated.
This year, the real estate market will continue the current loose policy and gradually build a housing system that is compatible with the new model of real estate development. (CCTV Finance)