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住建部、央行等8月18日发《关于优化个人住房贷款中住房套数认定标准的通知》规定银行认定首套房应“认房不认贷”;同时将新认定标准纳入“一城一策”政策工具箱。 不同于7月24日政治局会议通稿,该通知重新提及了要坚持房住不炒。《经济日报》8月23日亦刊文《“房住不炒”定位不会改变》。 此外,8月25日的国务院常务会议通过了《关于规划建设保障性住房的指导意见》。 (住建部,新华社)
央行、金监局8月31日发《关于调整优化差别化住房信贷政策的通知》《关于降低存量首套住房贷款利率有关事项的通知》。
居民首套房贷首付比例下限为20%、利率下限规定按现行,二套房贷首付下限为30%、利率下限为LPR+20bp。各地政府可在此基础上自主制定当地执行的利率和首付下限。
自9月25日起,存量首套房贷可向承贷银行申请协商变更利率水平(或置换为新发放贷款);但变更后的利率相较LPR的加点幅度,不得低于原贷款发放时政府规定的下限。
中国人民银行路透社彭博社



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央行、金监局8月31日发《关于调整优化差别化住房信贷政策的通知》《关于降低存量首套住房贷款利率有关事项的通知》。
居民首套房贷首付比例下限为20%、利率下限规定按现行,二套房贷首付下限为30%、利率下限为LPR+20bp。各地政府可在此基础上自主制定当地执行的利率和首付下限。
自9月25日起,存量首套房贷可向承贷银行申请协商变更利率水平(或置换为新发放贷款);但变更后的利率相较LPR的加点幅度,不得低于原贷款发放时政府规定的下限。
中国人民银行路透社彭博社

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