Original title: 17 measures are released, how does the new financial policy support the development of the housing rental market?
Last night (January 5), the People's Bank of China and the State Administration of Financial Supervision jointly issued the "Opinions on Financial Support for the Development of the Housing Rental Market", which came into effect on February 5 this year.
Loading...
17 measures to increase credit support for housing rental development and construction
Experts said that the "Opinions" have a total of 17 measures, which will help promote the construction of the "three major projects" of affordable housing, urban village renovation and "level-emergency dual-use" public infrastructure, and accelerate the formation of a new development model of real estate.
Support the main body to build, renovate and operate long-term rental housing
The "Opinions" put forward to support the structural reform of the supply side of housing rental. Financial support for the development of the housing rental market should highlight the key points and aim at the shortcomings, mainly in large cities, focusing on solving the housing problems of new citizens, young people and other groups, supporting all kinds of entities to build, renovate and operate long-term rental housing, revitalize the stock of housing, and effectively increase the supply of affordable and commercial rental housing.
Increase credit support for housing rental development and construction
In terms of strengthening the innovation of housing rental credit products and service models, the "Opinions" proposes to increase credit support for housing rental development and construction, meet the reasonable financing needs of groups to purchase rental housing in bulk, support the issuance of housing rental operating loans, and improve comprehensive financial services for housing leasing related enterprises.
For housing lease operating loans, the Opinions make it clear that if a housing leasing enterprise operates long-term leased housing with its own property rights, the term of the housing lease operating loan shall not exceed 20 years, and the loan amount shall not exceed 80% of the appraised value of the property in principle. The term of the housing lease operating loan shall not exceed 5 years, and the loan amount shall not exceed 70% of the total rent receivable during the loan term.
Zhao Xiuchi, Dean of the Beijing-Tianjin-Hebei Real Estate Research Institute of Capital University of Economics and Business: The "Opinions" have two key points worthy of attention, the first is to innovate the varieties of housing rental credit, including up to 3 years of new construction and renovation of long-term rental housing development and construction loans, up to 30 years of rental housing group purchase loans, etc.;
It will help promote the steady and healthy development of the housing rental market
Experts said that the measures proposed in the "Opinions" cover the comprehensive support for affordable rental housing and market-oriented rental housing, which will help promote the stable and healthy development of the housing rental market and the real estate market.
Experts said that the "Opinions" have greater support for housing rental enterprises with self-owned properties, which will help vigorously develop the long-term rental housing market.
Dong Ximiao, Chief Researcher of Zhaolian: The measures proposed in the "Opinions" cover comprehensive support for affordable rental housing and market-oriented rental housing. For market-oriented long-term rental housing, on the basis of summarizing the practical experience of relevant financial institutions, relatively clear guidance and norms are given. At the same time, there is greater support for housing rental enterprises with self-owned properties.
Zhao Xiuchi, Dean of the Beijing-Tianjin-Hebei Real Estate Research Institute of Capital University of Economics and Business: The new policy of housing leasing finance has played an escort role in obtaining compliant and low-cost financing for the housing rental market, and has provided a new path for guiding all kinds of social funds to invest in the housing rental field in an orderly manner, which is conducive to the housing rental market to obtain a stable source of funds, help promote the expansion of the housing rental market, and contribute to the stable and healthy development of the real estate market.
Source: CCTV news client