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China Construction Bank 2011 New Loans For Affordable Housing

2011/1/13 11:57:00 43

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Construction Bank 2011 Guarantee Room

　　1月12日下午，建設銀行（601939.SH/00939.HK）公司部副總經(jīng)理劉守平在銀監(jiān)會保障房建設通氣會上稱，2011年，該行擬單獨安排保障房貸款新增計劃，將普通商品住房開發(fā)貸款業(yè)務與保障房開發(fā)貸款業(yè)務區(qū)別開來，差別化對待。

On the same occasion, an interview with the Ministry of Construction Bank also said that the current single guarantee scheme for housing loans is basically completed, and will be submitted to the board of directors to discuss whether or not to implement it. The plan will increase the scale of new housing loans in 2011, while the development of ordinary commercial housing loans will continue the "list system" in 2010.

The information provided by CCB shows that since 2010, the bank has begun to adjust its credit structure, and has begun to increase its support for pilot projects launched by the state for provident fund loans, and by adjusting the loan schemes of some branches, it has been used to increase new loans for affordable housing.

By the end of 2010, China Construction Bank has obtained all the 28 pilot cities' provident fund loan qualification in China. Among the 133 pilot projects (98 of which have confirmed the undertaking of the bank), CCB has received 70 project commitments, 3 billion 922 million yuan has been granted to the 16 projects for provident fund projects, and the loan balance has been 3 billion 882 million yuan.

By the end of 2010, 12 billion 241 million yuan of commercial housing mortgage loans and provident fund loans had been issued throughout the year.

Liu Shouping said, the future will increase year by year to support housing finance support.

Liu Shouping said that China Construction Bank and Germany schweir house Savings Bank jointly invested in the establishment of the Sino German Housing Savings Bank, becoming the only commercial bank specializing in housing savings business in China. At the end of 2008, it signed a cooperation agreement with Tianjin land resources and housing authority to support the construction of affordable housing in Tianjin. According to the agreement, the Sino German Housing Savings Bank will provide financial support to Tianjin housing construction in the next 3 years for a total amount of 20 billion yuan.

According to CCB's data, by the end of 2010, the balance of housing loans of the CCB was 11 billion 325 million yuan, with a total annual payment of 4 billion 430 million yuan, an increase of 3 billion 140 million yuan over the beginning of the year, a negative amount of 114 million yuan, and a non-performing rate of 1%.