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industrial bank fully supports the delivery of housing, investing more than 25 billion yuan in "white list" projects

2024-09-26

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since the establishment of the urban real estate financing coordination mechanism, industrial bank has thoroughly implemented the decisions and arrangements of the cpc central committee and the state council, and has made great efforts to promote the implementation of the urban real estate financing coordination mechanism, and has effectively and orderly promoted the work of ensuring the delivery of houses. so far, industrial bank has completed the approval of nearly 100 white-list projects, with an investment amount of more than 25 billion yuan, accurately supporting the reasonable financing needs of real estate projects.
the work of guaranteeing the delivery of houses is a concrete practice of implementing the "people-centered" development concept and is the primary task to promote the stable and healthy development of the real estate market. "our bank has always turned the 'major issues of the country' into the 'primary tasks of the bank', and implemented the requirements of the urban real estate financing coordination mechanism at the first time. we have set up special working groups at the head office, first-level branches and key city branches, with the main persons in charge at all levels serving as group leaders, to promote the establishment of a benign interaction mechanism between the government, banks and enterprises, and help win the battle of guaranteeing the delivery of houses." said a relevant person in charge of industrial bank.
in terms of credit approval mechanism, industrial bank insists on taking projects as the center, accurately distinguishing the debt risks of real estate enterprises and the development and operation risks of specific projects, and treats all compliant projects of real estate enterprises of different ownerships equally and lends as much as possible in accordance with the principles of marketization and legalization, accurately meeting the reasonable financing needs of real estate projects. at the same time, detailed implementation rules for due diligence exemption are formulated for real estate development loans, commercial property loans, housing rental loans, retail mortgage loans and other real estate-related businesses to create an atmosphere of courage and ability to lend, and maintain efficient communication and docking with local financial regulatory bureaus and government housing and construction departments at all levels, establish a green approval channel, tilt credit resources to white-list projects that meet the "5+5" conditions, and effectively improve the efficiency of approval and loan issuance.
the current task of ensuring the delivery of houses is still arduous. industrial bank has taken measures based on local conditions and formulated differentiated service plans according to the project conditions to guide the "live water of finance" for precise "drip irrigation". for residential projects under construction that have been sold but not delivered, industrial bank has deeply explored the residual value of the projects, and made a detailed assessment of the amount of funds required for the completion and delivery of the projects, focusing on supporting residential projects under construction that have been sold but not delivered with a certain sales ratio; for real estate projects developed in phases, priority is given to projects with more mature development and infrastructure conditions; for projects that do not meet the five conditions and five standards for inclusion in the whitelist, the bank actively coordinates communication between the government, banks, enterprises and customers to promote the "repair" of the projects and jointly solve the problems of project bottlenecks.
"in the next step, our bank will adhere to the 'two unshakable' principles, focus on promoting the implementation of subsequent batches of 'white list' projects, and ensure that the projects are delivered on time and with quality. at the same time, we will make good use of the policy support tools for affordable housing refinancing, actively cooperate with local governments to do a good job in purchasing completed stock commercial housing for use as affordable housing, do our best to provide financial services for guaranteed housing, help the construction of the 'three major projects', and contribute to the promotion of the stable and healthy development of the real estate market." said a relevant person in charge of industrial bank. (xinren)
proofread by li haihui
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