Yesterday (July 10), the People's Bank of China and the State Administration of Financial Supervision issued the "Notice on Extending the Period of Financial Support for the Stable and Healthy Development of the Real Estate Market". Extended until December 31, 2024.
The policy extension involves two things:
First, for stock financing such as development loans and trust loans for real estate companies, on the premise of ensuring the security of creditor's rights, financial institutions and real estate companies are encouraged to negotiate independently based on commercial principles, and actively extend stock loans and adjust repayment arrangements. Provide support to facilitate project completion and delivery. For those due before December 31, 2024, an extension of one year beyond the original regulations may be allowed, and the loan classification may not be adjusted, and the loan classification submitted to the credit investigation system shall be consistent with it.
Second, in accordance with the requirements of the "Notice", for supporting financing issued by commercial banks to special loan support projects before December 31, 2024, the risk classification will not be lowered during the loan period; Management of qualified borrowers. If the newly issued matching financing is poorly formed and the relevant institutions and personnel have performed their duties, they may be exempted from liability.
Dong Ximiao, a researcher at the Institute of Finance, Fudan University: The financial management department's extension of the two policies with specific deadlines in the "Financial 16 Articles" will dispel the concerns of financial institutions to a certain extent, and further change the situation that financial institutions dare not lend, do not In the case of willing loans and other situations, financial institutions are encouraged to issue supporting financing to special loan support projects, and continue to improve the financing situation of real estate companies, which will help stabilize market confidence and expectations, promote the stable and healthy development of the real estate market, and better help the continued recovery of the macro economy.
The central bank stated that, in addition to the above two policies, other policies that do not involve applicable deadlines are valid for a long time. All financial institutions should earnestly implement the requirements of the document, implement policies according to the city to support rigid and improving housing demand, maintain reasonable and moderate real estate financing, increase financial support for guaranteed delivery buildings, promote market-based clearing of industry risks, and promote a stable and healthy real estate market develop.
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