person who experienced the country’s first commercial housing loan: “it fulfilled the home buyers’ dream of settling down, and the response was very good.”
2024-10-01
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china news service, zhangzhou, october 1 (liao zhenmei) "the successful loan issuance was praised by the local government, and it also fulfilled the home buyers' dream of settling down. it received a good response from the market and the people." witness of the country's first commercial housing loan when wang bingyi told reporters about the first commercial housing development loan 44 years ago, his memory was still fresh.
wang bingyi told reporters that in 1980, the zhangzhou branch of the china construction bank issued the first commercial housing loan in the country's banking industry to the former unified construction office of the zhangzhou municipal government in fujian province to support the construction of housing communities and commercial housing. he said that this was the first time that my country's bank credit business entered the real estate field. it is very meaningful to write it into the history of ccb.
the first commercial housing loan in the country's banking industry supports the construction of commercial housing in yan'an beixin village, zhangzhou city. the picture shows the commercial housing. (file photo) photo provided by china construction bank zhangzhou branch
wang bingyi is a retired employee of the zhangzhou branch of china construction bank and a witness to the commercial housing loan. according to him, in the more than 30 years since the founding of the people's republic of china, urban residents have gradually faced the problem of urban housing shortage. at that time, the zhangzhou municipal government designated a plot of land in the urban area for the development of commercial housing and applied to the china construction bank to solve the construction problem. the shortage of funds for commercial housing.
"a total loan target of 2 million yuan was issued. in september 1980, a loan of 703,000 yuan was issued. in march 1981, a loan of 700,000 yuan was issued for the construction of commercial housing in yan'an beixin village, zhangzhou city: the residential area is 42,000 square meters, and the commercial housing is 600 households," wang bingyi said.
"at that time, there was no precedent to follow. zhangzhou ccb was the first to take advantage of the situation and took it very seriously." wang bingyi recalled that in order to take this step forward, the project team did enough research and compiled the "survey on housing situation in zhangzhou city". report the feasibility of the special loan to the higher-level bank, and the fujian provincial construction bank approves the loan quota of 2 million yuan after study.
the picture shows the loan iou for this commercial housing loan. (file photo) photo provided by china construction bank zhangzhou branch
wang bingyi said that the loan was recovered in the second year after the project was completed, and the results were very good. commercial banks from all over the country came to zhangzhou to learn from it, which opened the prelude to the real estate financial business of domestic commercial banks.
"at that time, the commercial housing in beixin village, yan'an had been demolished and the yan'an plaza commercial district was built, and china construction bank also provided a loan." in wang bingyi's view, the implementation of the country's first commercial housing loan and the zhangzhou municipal party committee and government's courage to take the lead in responding to people's livelihood needs at that time the test is closely related.
in 1982, zhangzhou's commercial housing loan business expanded from urban areas to counties. according to incomplete statistics, by the end of 1982, the commercial housing construction area in zhangzhou reached 103,300 square meters, and the number of households reached 1,352, more than double that of 1981.
the relevant person in charge of ccb zhangzhou branch told reporters that since its establishment, the branch has continued to innovate housing financial products, from being the first to launch personal housing mortgage loans in the local area, to piloting with the zhangzhou real estate registration center and zhangzhou real estate trading center, and successfully handling zhangzhou city from registering the first “transfer with deposit” for a second-hand house to taking the lead in implementing the housing leasing strategy, and cooperating with the local housing and construction department to take the lead in launching the public rental housing system and app in fujian, we have made every effort to ensure the healthy development of the real estate and housing rental markets.
the person in charge said that in the future, we will continue to carry forward the pioneering spirit of our predecessors, increase loans to "white list" projects, and help the smooth transition of "white list" project construction and the healthy development of the local real estate market.
a staff member of the real estate market section of the zhangzhou municipal housing and urban-rural development bureau believes that ccb has traditional advantages in the financial field of the real estate market. he praises its innovation and efforts in meeting rigid needs and improving housing, and looks forward to ccb further leveraging its advantages to be on the "white list" make greater contributions to financing support and meeting the diverse housing needs of residents. (over)
