2014年东营楼市总结及2015年市场展望(政策篇)

房地产门户房天下  2015-01-14 10:16

[摘要] 房天下东营2014年东营楼市总结及2015年市场展望，品评楼市动态，把握楼市脉搏，倾听东营楼市好声音。

东营房天下2014年楼市年报专题版

 3.  差别化信贷适时微调应对需求变化 

3.1 重点鼓励释放刚需 

“央五条”提出支持首套房贷。5 月 12 日，中国人民银行副行长刘士余召开住房金融服务专题座谈会5，针对目前存在的问题提出五点要求（ “央五条”） ，其中再次强调“满足首套自住房贷款者需求”。随后多家银行表态支持首套自住性需求：平安银行 5 月 12 日称，将支持自主性住房的贷款需求，并根据情况随时调整房贷政策；中国银行 5 月 19 日表示，今年新投放的个人住房贷款中，近九成的资金用于支持居民家庭首次购买自住普通商品住房，未来仍将支持居民家庭购买首套自住商品住房。

 

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RDER-BOTTOM: #ff9900 0.5pt solid;TEXT-ALIGN: center;BORDER-LEFT: #ff9900 0.5pt solid;FONT-STYLE: normal;WIDTH: 499.5pt;WHITE-SPACE: normal;BACKGROUND: #ffff00;HEIGHT: 24.75pt;COLOR: #000000;FONT-SIZE: 10.5pt;VERTICAL-ALIGN: middle;BORDER-: #ff9900 0.5pt solid;FONT-WEIGHT: 700;BORDER-RIGHT: #ff9900 0.5pt solid;TEXT-DECORATION: none;mso-pattern: none none;mso-protection: locked visible" class="et3" height="33" width="666" colspan="5" x:str="">“央五条”主要内容
RDER-BOTTOM: #ff9900 0.5pt solid;TEXT-ALIGN: center;BORDER-LEFT: #ff9900 0.5pt solid;FONT-STYLE: normal;WIDTH: 106.5pt;WHITE-SPACE: normal;HEIGHT: 57.75pt;COLOR: #000000;FONT-SIZE: 9pt;VERTICAL-ALIGN: top;BORDER-: #ff9900 0.5pt solid;FONT-WEIGHT: 400;BORDER-RIGHT: #ff9900 0.5pt solid;TEXT-DECORATION: none;mso-protection: locked visible" class="et4" height="77" width="142" x:str="">合理配置信贷资源，优先满足居民家庭首次购买自住普通商品住房的贷款需求。	RDER-BOTTOM: #ff9900 0.5pt solid;TEXT-ALIGN: center;BORDER-LEFT: #ff9900 0.5pt solid;FONT-STYLE: normal;WIDTH: 93pt;WHITE-SPACE: normal;HEIGHT: 57.75pt;COLOR: #000000;FONT-SIZE: 9pt;VERTICAL-ALIGN: top;BORDER-: #ff9900 0.5pt solid;FONT-WEIGHT: 400;BORDER-RIGHT: #ff9900 0.5pt solid;TEXT-DECORATION: none;mso-protection: locked visible" class="et4" height="77" width="124" x:str="">科学合理定价，综合考虑财务可持续、风险管理等因素，合理确定首套房贷款利率水平。	RDER-BOTTOM: #ff9900 0.5pt solid;TEXT-ALIGN: center;BORDER-LEFT: #ff9900 0.5pt solid;FONT-STYLE: normal;WIDTH: 90.75pt;WHITE-SPACE: normal;HEIGHT: 57.75pt;COLOR: #000000;FONT-SIZE: 9pt;VERTICAL-ALIGN: top;BORDER-: #ff9900 0.5pt solid;FONT-WEIGHT: 400;BORDER-RIGHT: #ff9900 0.5pt solid;TEXT-DECORATION: none;mso-protection: locked visible" class="et4" height="77" width="121" x:str="">提高服务效率，及时审批和发放符合条件的个人住房贷款。	RDER-BOTTOM: #ff9900 0.5pt solid;TEXT-ALIGN: center;BORDER-LEFT: #ff9900 0.5pt solid;FONT-STYLE: normal;WIDTH: 102.75pt;WHITE-SPACE: normal;HEIGHT: 57.75pt;COLOR: #000000;FONT-SIZE: 9pt;VERTICAL-ALIGN: top;BORDER-: #ff9900 0.5pt solid;FONT-WEIGHT: 400;BORDER-RIGHT: #ff9900 0.5pt solid;TEXT-DECORATION: none;mso-protection: locked visible" class="et4" height="77" width="137" x:str="">有效防范信贷风险，严格执行个人住房贷款各项管理规定，加强对住房贷款风险的监测分析。	RDER-BOTTOM: #ff9900 0.5pt solid;TEXT-ALIGN: center;BORDER-LEFT: #ff9900 0.5pt solid;FONT-STYLE: normal;WIDTH: 91.5pt;WHITE-SPACE: normal;HEIGHT: 57.75pt;COLOR: #000000;FONT-SIZE: 9pt;VERTICAL-ALIGN: top;BORDER-: #ff9900 0.5pt solid;FONT-WEIGHT: 400;BORDER-RIGHT: #ff9900 0.5pt solid;TEXT-DECORATION: none;mso-protection: locked visible" class="et4" height="77" width="122" x:str="">建立信息沟通机制，对社会关注的热点问题，及时给予回应。

“930”超预期放宽限贷。9 月30 日下午4 点，央行发布《中国人民银行中国银行业监督管理委员会关于进一步做好住房金融服务工作的通知》 6， 对个人住房贷款需求的支持力度大幅提升：首套房贷利率下限重回基准利率的0.7 倍；已有 1套住房并已结清相应购房贷款后再次申请贷款的，银行执行首套房贷款政策；在已取消或未实施“限购”措施的城市，对拥有 2套及以上住房并已结清相应购房贷款的家庭，又申请贷款购买住房，银行自行把握并具体确定首付款比例和贷款利率水平。同时《通知》还表示支持当地银行业金融机构把握好各类住房信贷政策的尺度，促进当地房地产市场持续健康发展。

 

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RDER-BOTTOM: #ff0000 0.5pt solid;TEXT-ALIGN: center;BORDER-LEFT: #ff0000 0.5pt solid;FONT-STYLE: normal;WIDTH: 163.5pt;WHITE-SPACE: normal;BACKGROUND: #ffff00;HEIGHT: 14.25pt;COLOR: #000000;FONT-SIZE: 10.5pt;VERTICAL-ALIGN: middle;BORDER-: #ff0000 0.5pt solid;FONT-WEIGHT: 700;BORDER-RIGHT: #ff0000 0.5pt solid;TEXT-DECORATION: none;mso-pattern: none none;mso-protection: locked visible" class="et2" height="19" width="218" colspan="2" x:str="">“930”新政主要内容
RDER-BOTTOM: #ff0000 0.5pt solid;TEXT-ALIGN: center;BORDER-LEFT: #ff0000 0.5pt solid;FONT-STYLE: normal;WIDTH: 81.75pt;WHITE-SPACE: normal;HEIGHT: 39.75pt;COLOR: #000000;FONT-SIZE: 9pt;VERTICAL-ALIGN: middle;BORDER-: #ff0000 0.5pt solid;FONT-WEIGHT: 700;BORDER-RIGHT: #ff0000 0.5pt solid;TEXT-DECORATION: none;mso-protection: locked visible" class="et3" height="53" width="109" x:str="">加大对保障性安居工程建设的金融支持	RDER-BOTTOM: #ff0000 0.5pt solid;TEXT-ALIGN: left;BORDER-LEFT: #ff0000 0.5pt solid;FONT-STYLE: normal;WIDTH: 383.25pt;WHITE-SPACE: normal;HEIGHT: 39.75pt;COLOR: #000000;FONT-SIZE: 9pt;VERTICAL-ALIGN: middle;BORDER-: #ff0000 0.5pt solid;FONT-WEIGHT: 400;BORDER-RIGHT: #ff0000 0.5pt solid;TEXT-DECORATION: none;mso-protection: locked visible" class="et4" height="53" width="511" x:str="">•积极支持符合信贷条件的棚户区改造和保障房建设项目，对公共租赁住房和棚户区改造的贷款期限可延长至不超过25年。
RDER-BOTTOM: #ff0000 0.5pt solid;TEXT-ALIGN: center;BORDER-LEFT: #ff0000 0.5pt solid;FONT-STYLE: normal;WIDTH: 81.75pt;WHITE-SPACE: normal;HEIGHT: 73.5pt;COLOR: #000000;FONT-SIZE: 9pt;VERTICAL-ALIGN: middle;BORDER-: #ff0000 0.5pt solid;FONT-WEIGHT: 700;BORDER-RIGHT: #ff0000 0.5pt solid;TEXT-DECORATION: none;mso-protection: locked visible" class="et3" height="98" rowspan="4" width="109" x:str="">积极支持居民家庭合理的住房贷款需求	RDER-BOTTOM: #ff0000 0.5pt solid;TEXT-ALIGN: left;BORDER-LEFT: #ff0000 0.5pt solid;FONT-STYLE: normal;WIDTH: 383.25pt;WHITE-SPACE: normal;HEIGHT: 14.25pt;COLOR: #000000;FONT-SIZE: 9pt;VERTICAL-ALIGN: middle;BORDER-: #ff0000 0.5pt solid;FONT-WEIGHT: 400;BORDER-RIGHT: #ff0000 0.5pt solid;TEXT-DECORATION: none;mso-protection: locked visible" class="et4" height="19" width="511" x:str="">•首套：贷款低首付比例为30%；贷款利率下限为基准利率的0.7倍。
RDER-BOTTOM: #ff0000 0.5pt solid;TEXT-ALIGN: left;BORDER-LEFT: #ff0000 0.5pt solid;FONT-STYLE: normal;WIDTH: 383.25pt;WHITE-SPACE: normal;HEIGHT: 14.25pt;COLOR: #000000;FONT-SIZE: 9pt;VERTICAL-ALIGN: middle;BORDER-: #ff0000 0.5pt solid;FONT-WEIGHT: 400;BORDER-RIGHT: #ff0000 0.5pt solid;TEXT-DECORATION: none;mso-protection: locked visible" class="et4" height="19" width="511" x:str="">•二套：已结清相应购房贷款的家庭，执行首套房贷款政策。
RDER-BOTTOM: #ff0000 0.5pt solid;TEXT-ALIGN: left;BORDER-LEFT: #ff0000 0.5pt solid;FONT-STYLE: normal;WIDTH: 383.25pt;WHITE-SPACE: normal;HEIGHT: 22.5pt;COLOR: #000000;FONT-SIZE: 9pt;VERTICAL-ALIGN: middle;BORDER-: #ff0000 0.5pt solid;FONT-WEIGHT: 400;BORDER-RIGHT: #ff0000 0.5pt solid;TEXT-DECORATION: none;mso-protection: locked visible" class="et4" height="30" width="511" x:str="">•三套及以上：已取消或未实施“限购”措施的城市，已结清相应购房贷款的家庭，应根据借款人偿付能力、信用状况等因素审慎把握并确定首付比例和贷款利率。
RDER-BOTTOM: #ff0000 0.5pt solid;TEXT-ALIGN: left;BORDER-LEFT: #ff0000 0.5pt solid;FONT-STYLE: normal;WIDTH: 383.25pt;WHITE-SPACE: normal;HEIGHT: 22.5pt;COLOR: #000000;FONT-SIZE: 9pt;VERTICAL-ALIGN: middle;BORDER-: #ff0000 0.5pt solid;FONT-WEIGHT: 400;BORDER-RIGHT: #ff0000 0.5pt solid;TEXT-DECORATION: none;mso-protection: locked visible" class="et4" height="30" width="511" x:str="">•其他：银行业金融机构可根据当地城镇化发展规划，向符合政策条件的非本地居民发放住房贷款。
RDER-BOTTOM: #ff0000 0.5pt solid;TEXT-ALIGN: center;BORDER-LEFT: #ff0000 0.5pt solid;FONT-STYLE: normal;WIDTH: 81.75pt;WHITE-SPACE: normal;HEIGHT: 28.5pt;COLOR: #000000;FONT-SIZE: 9pt;VERTICAL-ALIGN: middle;BORDER-: #ff0000 0.5pt solid;FONT-WEIGHT: 700;BORDER-RIGHT: #ff0000 0.5pt solid;TEXT-DECORATION: none;mso-protection: locked visible" class="et3" height="38" width="109" x:str="">增强金融机构个人住房贷款投放能力	RDER-BOTTOM: #ff0000 0.5pt solid;TEXT-ALIGN: left;BORDER-LEFT: #ff0000 0.5pt solid;FONT-STYLE: normal;WIDTH: 383.25pt;WHITE-SPACE: normal;HEIGHT: 28.5pt;COLOR: #000000;FONT-SIZE: 9pt;VERTICAL-ALIGN: middle;BORDER-: #ff0000 0.5pt solid;FONT-WEIGHT: 400;BORDER-RIGHT: #ff0000 0.5pt solid;TEXT-DECORATION: none;mso-protection: locked visible" class="et4" height="38" width="511" x:str="">•鼓励银行业金融机构通过发行住房抵押贷款支持证券（MBS)、发行期限较长的专项金融债券等多种措施筹集资金，专门用于增加首套普通自住房和改善型普通自住房贷款投放。
RDER-BOTTOM: #ff0000 0.5pt solid;TEXT-ALIGN: center;BORDER-LEFT: #ff0000 0.5pt solid;FONT-STYLE: normal;WIDTH: 81.75pt;WHITE-SPACE: normal;HEIGHT: 33.75pt;COLOR: #000000;FONT-SIZE: 9pt;VERTICAL-ALIGN: middle;BORDER-: #ff0000 0.5pt solid;FONT-WEIGHT: 700;BORDER-RIGHT: #ff0000 0.5pt solid;TEXT-DECORATION: none;mso-protection: locked visible" class="et3" height="45" width="109" x:str="">继续支持房地产开发企业的合理融资需求	RDER-BOTTOM: #ff0000 0.5pt solid;TEXT-ALIGN: left;BORDER-LEFT: #ff0000 0.5pt solid;FONT-STYLE: normal;WIDTH: 383.25pt;WHITE-SPACE: normal;HEIGHT: 33.75pt;COLOR: #000000;FONT-SIZE: 9pt;VERTICAL-ALIGN: middle;BORDER-: #ff0000 0.5pt solid;FONT-WEIGHT: 400;BORDER-RIGHT: #ff0000 0.5pt solid;TEXT-DECORATION: none;mso-protection: locked visible" class="et4" height="45" width="511" x:str="">•扩大市场化融资渠道，支持符合条件的房地产企业在银行间债券市场发行债务融资工具。积极稳妥开展房地产投资信托基金（REITs）试点。

 3.2 多地灵活调整信贷细则 

 部分省市出台信贷相关政策，刺激市场需求。三季度以来，限购集中退出，部分城市短期成交回升，但仍未扭转整体下行趋势。因而多地出台以信贷支持为主的利好政策，放松限贷，降低首付比率，意在扭转市场预期，刺激市场需求。其中，福建出台“闽八条”7，成为出台救市政策的省，湖北出台“鄂六条”8，也明确加大信贷支持。绍兴、福州、青岛降低首套房认定标准，绍兴、沈阳、南昌降低二套房贷首付比例。9 月底央行“930”新政出台后，地方信贷政策放松成大势。此后，杭州、泸州等市再度重申对信贷的支持。

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RDER-BOTTOM: #ff9900 0.5pt solid;TEXT-ALIGN: center;BORDER-LEFT: #ff9900 0.5pt solid;FONT-STYLE: normal;WIDTH: 177.75pt;WHITE-SPACE: normal;BACKGROUND: #ffff00;HEIGHT: 24.75pt;COLOR: #000000;FONT-SIZE: 9pt;VERTICAL-ALIGN: middle;BORDER-: #ff9900 0.5pt solid;FONT-WEIGHT: 700;BORDER-RIGHT: #ff9900 0.5pt solid;TEXT-DECORATION: none;mso-pattern: none none;mso-protection: locked visible" class="et2" height="33" width="237" colspan="4" x:str="">各地信贷政策调整主要内容
RDER-BOTTOM: #ff9900 0.5pt solid;TEXT-ALIGN: center;BORDER-LEFT: #ff9900 0.5pt solid;FONT-STYLE: normal;WIDTH: 39pt;WHITE-SPACE: normal;BACKGROUND: #ffffff;HEIGHT: 18pt;COLOR: #000000;FONT-SIZE: 9pt;VERTICAL-ALIGN: middle;BORDER-: #ff9900 0.5pt solid;FONT-WEIGHT: 700;BORDER-RIGHT: #ff9900 0.5pt solid;TEXT-DECORATION: none;mso-pattern: none none;mso-protection: locked visible" class="et4" height="24" width="52" x:str="">级别	RDER-BOTTOM: #ff9900 0.5pt solid;TEXT-ALIGN: center;BORDER-LEFT: #ff9900 0.5pt solid;FONT-STYLE: normal;WIDTH: 64.5pt;WHITE-SPACE: normal;BACKGROUND: #ffffff;HEIGHT: 18pt;COLOR: #000000;FONT-SIZE: 9pt;VERTICAL-ALIGN: middle;BORDER-: #ff9900 0.5pt solid;FONT-WEIGHT: 700;BORDER-RIGHT: #ff9900 0.5pt solid;TEXT-DECORATION: none;mso-pattern: none none;mso-protection: locked visible" class="et4" height="24" width="86" x:str="">时间	RDER-BOTTOM: #ff9900 0.5pt solid;TEXT-ALIGN: center;BORDER-LEFT: #ff9900 0.5pt solid;FONT-STYLE: normal;WIDTH: 35.25pt;WHITE-SPACE: normal;BACKGROUND: #ffffff;HEIGHT: 18pt;COLOR: #000000;FONT-SIZE: 9pt;VERTICAL-ALIGN: middle;BORDER-: #ff9900 0.5pt solid;FONT-WEIGHT: 700;BORDER-RIGHT: #ff9900 0.5pt solid;TEXT-DECORATION: none;mso-pattern: none none;mso-protection: locked visible" class="et4" height="24" width="47" x:str="">省份	RDER-BOTTOM: #ff9900 0.5pt solid;TEXT-ALIGN: center;BORDER-LEFT: #ff9900 0.5pt solid;FONT-STYLE: normal;WIDTH: 337.5pt;WHITE-SPACE: normal;BACKGROUND: #ffffff;HEIGHT: 18pt;COLOR: #000000;FONT-SIZE: 9pt;VERTICAL-ALIGN: middle;BORDER-: #ff9900 0.5pt solid;FONT-WEIGHT: 700;BORDER-RIGHT: #ff9900 0.5pt solid;TEXT-DECORATION: none;mso-pattern: none none;mso-protection: locked visible" class="et4" height="24" width="450" x:str="">主要内容
RDER-BOTTOM: #ff9900 0.5pt solid;TEXT-ALIGN: center;BORDER-LEFT: #ff9900 0.5pt solid;FONT-STYLE: normal;WIDTH: 39pt;WHITE-SPACE: normal;BACKGROUND: #ffffff;HEIGHT: 168pt;COLOR: #000000;FONT-SIZE: 9pt;VERTICAL-ALIGN: middle;BORDER-: #ff9900 0.5pt solid;FONT-WEIGHT: 700;BORDER-RIGHT: #ff9900 0.5pt solid;TEXT-DECORATION: none;mso-pattern: none none;mso-protection: locked visible" class="et4" height="224" rowspan="4" width="52" x:str="">省级	RDER-BOTTOM: #ff9900 0.5pt solid;TEXT-ALIGN: center;BORDER-LEFT: #ff9900 0.5pt solid;FONT-STYLE: normal;WIDTH: 64.5pt;WHITE-SPACE: normal;BACKGROUND: #ffffff;HEIGHT: 34.5pt;COLOR: #000000;FONT-SIZE: 9pt;VERTICAL-ALIGN: middle;BORDER-: #ff9900 0.5pt solid;FONT-WEIGHT: 400;BORDER-RIGHT: #ff9900 0.5pt solid;TEXT-DECORATION: none;mso-pattern: none none;mso-protection: locked visible" class="et5" height="46" width="86" x:str="">8 月 8 日	RDER-BOTTOM: #ff9900 0.5pt solid;TEXT-ALIGN: center;BORDER-LEFT: #ff9900 0.5pt solid;FONT-STYLE: normal;WIDTH: 35.25pt;WHITE-SPACE: normal;BACKGROUND: #ffffff;HEIGHT: 34.5pt;COLOR: #000000;FONT-SIZE: 9pt;VERTICAL-ALIGN: middle;BORDER-: #ff9900 0.5pt solid;FONT-WEIGHT: 400;BORDER-RIGHT: #ff9900 0.5pt solid;TEXT-DECORATION: none;mso-pattern: none none;mso-protection: locked visible" class="et5" height="46" width="47" x:str="">福建	RDER-BOTTOM: #ff9900 0.5pt solid;TEXT-ALIGN: left;BORDER-LEFT: #ff9900 0.5pt solid;FONT-STYLE: normal;WIDTH: 337.5pt;WHITE-SPACE: normal;BACKGROUND: #ffffff;HEIGHT: 34.5pt;COLOR: #000000;FONT-SIZE: 9pt;VERTICAL-ALIGN: middle;BORDER-: #ff9900 0.5pt solid;FONT-WEIGHT: 400;BORDER-RIGHT: #ff9900 0.5pt solid;TEXT-DECORATION: none;mso-pattern: none none;mso-protection: locked visible" class="et6" height="46" width="450" x:str="">《关于促进房地产市场平稳健康发展的若干意见》： 购房人偿清购房贷款再次申请贷款，按首贷认定。 金融机构在贷款时，首付比例和利率按照政策规定的低限执行。
RDER-BOTTOM: #ff9900 0.5pt solid;TEXT-ALIGN: center;BORDER-LEFT: #ff9900 0.5pt solid;FONT-STYLE: normal;WIDTH: 64.5pt;WHITE-SPACE: normal;HEIGHT: 34.5pt;COLOR: #000000;FONT-SIZE: 9pt;VERTICAL-ALIGN: middle;BORDER-: #ff9900 0.5pt solid;FONT-WEIGHT: 400;BORDER-RIGHT: #ff9900 0.5pt solid;TEXT-DECORATION: none;mso-protection: locked visible" class="et8" height="46" width="86" x:str="">8 月 20日	RDER-BOTTOM: #ff9900 0.5pt solid;TEXT-ALIGN: center;BORDER-LEFT: #ff9900 0.5pt solid;FONT-STYLE: normal;WIDTH: 35.25pt;WHITE-SPACE: normal;HEIGHT: 34.5pt;COLOR: #000000;FONT-SIZE: 9pt;VERTICAL-ALIGN: middle;BORDER-: #ff9900 0.5pt solid;FONT-WEIGHT: 400;BORDER-RIGHT: #ff9900 0.5pt solid;TEXT-DECORATION: none;mso-protection: locked visible" class="et8" height="46" width="47" x:str="">江西	RDER-BOTTOM: #ff9900 0.5pt solid;TEXT-ALIGN: left;BORDER-LEFT: #ff9900 0.5pt solid;FONT-STYLE: normal;WIDTH: 337.5pt;WHITE-SPACE: normal;HEIGHT: 34.5pt;COLOR: #000000;FONT-SIZE: 9pt;VERTICAL-ALIGN: middle;BORDER-: #ff9900 0.5pt solid;FONT-WEIGHT: 400;BORDER-RIGHT: #ff9900 0.5pt solid;TEXT-DECORATION: none;mso-protection: locked visible" class="et9" height="46" width="450" x:str="">关于促进经济平稳增长若干措施》： 明确落实首套房贷款优惠政策，适当降低二套房首付比例。
RDER-BOTTOM: #ff9900 0.5pt solid;TEXT-ALIGN: center;BORDER-LEFT: #ff9900 0.5pt solid;FONT-STYLE: normal;WIDTH: 64.5pt;WHITE-SPACE: normal;BACKGROUND: #ffffff;HEIGHT: 49.5pt;COLOR: #000000;FONT-SIZE: 9pt;VERTICAL-ALIGN: middle;BORDER-: #ff9900 0.5pt solid;FONT-WEIGHT: 400;BORDER-RIGHT: #ff9900 0.5pt solid;TEXT-DECORATION: none;mso-pattern: none none;mso-protection: locked visible" class="et5" height="66" width="86" x:str="">8 月 22日	RDER-BOTTOM: #ff9900 0.5pt solid;TEXT-ALIGN: center;BORDER-LEFT: #ff9900 0.5pt solid;FONT-STYLE: normal;WIDTH: 35.25pt;WHITE-SPACE: normal;BACKGROUND: #ffffff;HEIGHT: 49.5pt;COLOR: #000000;FONT-SIZE: 9pt;VERTICAL-ALIGN: middle;BORDER-: #ff9900 0.5pt solid;FONT-WEIGHT: 400;BORDER-RIGHT: #ff9900 0.5pt solid;TEXT-DECORATION: none;mso-pattern: none none;mso-protection: locked visible" class="et5" height="66" width="47" x:str="">宁夏	RDER-BOTTOM: #ff9900 0.5pt solid;TEXT-ALIGN: left;BORDER-LEFT: #ff9900 0.5pt solid;FONT-STYLE: normal;WIDTH: 337.5pt;WHITE-SPACE: normal;BACKGROUND: #ffffff;HEIGHT: 49.5pt;COLOR: #000000;FONT-SIZE: 9pt;VERTICAL-ALIGN: middle;BORDER-: #ff9900 0.5pt solid;FONT-WEIGHT: 400;BORDER-RIGHT: #ff9900 0.5pt solid;TEXT-DECORATION: none;mso-pattern: none none;mso-protection: locked visible" class="et6" height="66" width="450" x:str="">《关于促进房地产业持续健康发展的若干意见》： 金融支持住房消费。金融机构要优先确保住房消费贷款的资源配置，积极支持居民购买首套房的信贷需求，合理支持居民购买第二套住房的信贷需求。 购房不受套数限制，鼓励引导团体购房，实施差别税收政策。
RDER-BOTTOM: #ff9900 0.5pt solid;TEXT-ALIGN: center;BORDER-LEFT: #ff9900 0.5pt solid;FONT-STYLE: normal;WIDTH: 64.5pt;WHITE-SPACE: normal;HEIGHT: 49.5pt;COLOR: #000000;FONT-SIZE: 9pt;VERTICAL-ALIGN: middle;BORDER-: #ff9900 0.5pt solid;FONT-WEIGHT: 400;BORDER-RIGHT: #ff9900 0.5pt solid;TEXT-DECORATION: none;mso-protection: locked visible" class="et8" height="66" width="86" x:str="">9 月 15日	RDER-BOTTOM: #ff9900 0.5pt solid;TEXT-ALIGN: center;BORDER-LEFT: #ff9900 0.5pt solid;FONT-STYLE: normal;WIDTH: 35.25pt;WHITE-SPACE: normal;HEIGHT: 49.5pt;COLOR: #000000;FONT-SIZE: 9pt;VERTICAL-ALIGN: middle;BORDER-: #ff9900 0.5pt solid;FONT-WEIGHT: 400;BORDER-RIGHT: #ff9900 0.5pt solid;TEXT-DECORATION: none;mso-protection: locked visible" class="et8" height="66" width="47" x:str="">湖北	RDER-BOTTOM: #ff9900 0.5pt solid;TEXT-ALIGN: left;BORDER-LEFT: #ff9900 0.5pt solid;FONT-STYLE: normal;WIDTH: 337.5pt;WHITE-SPACE: normal;HEIGHT: 49.5pt;COLOR: #000000;FONT-SIZE: 9pt;VERTICAL-ALIGN: middle;BORDER-: #ff9900 0.5pt solid;FONT-WEIGHT: 400;BORDER-RIGHT: #ff9900 0.5pt solid;TEXT-DECORATION: none;mso-protection: locked visible" class="et9" height="66" width="450" x:str="">《关于促进全省房地产市场平稳健康发展的若干意见》： 首套房贷款利率的下限可扩大为基准利率的 0.7 倍，放宽公积金使用方式。 调整住房供应方式，大力发展公租房和共有产权房；满足条件的给予契税优惠。
RDER-BOTTOM: #ff9900 0.5pt solid;TEXT-ALIGN: center;BORDER-LEFT: #ff9900 0.5pt solid;FONT-STYLE: normal;WIDTH: 39pt;WHITE-SPACE: normal;BACKGROUND: #ffffff;HEIGHT: 150pt;COLOR: #000000;FONT-SIZE: 9pt;VERTICAL-ALIGN: middle;BORDER-: #ff9900 0.5pt solid;FONT-WEIGHT: 700;BORDER-RIGHT: #ff9900 0.5pt solid;TEXT-DECORATION: none;mso-pattern: none none;mso-protection: locked visible" class="et4" height="200" rowspan="5" width="52" x:str="">市级	RDER-BOTTOM: #ff9900 0.5pt solid;TEXT-ALIGN: center;BORDER-LEFT: #ff9900 0.5pt solid;FONT-STYLE: normal;WIDTH: 64.5pt;WHITE-SPACE: normal;BACKGROUND: #ffffff;HEIGHT: 30pt;COLOR: #000000;FONT-SIZE: 9pt;VERTICAL-ALIGN: middle;BORDER-: #ff9900 0.5pt solid;FONT-WEIGHT: 400;BORDER-RIGHT: #ff9900 0.5pt solid;TEXT-DECORATION: none;mso-pattern: none none;mso-protection: locked visible" class="et5" height="40" width="86" x:str="">8 月 4 日	RDER-BOTTOM: #ff9900 0.5pt solid;TEXT-ALIGN: center;BORDER-LEFT: #ff9900 0.5pt solid;FONT-STYLE: normal;WIDTH: 35.25pt;WHITE-SPACE: normal;BACKGROUND: #ffffff;HEIGHT: 30pt;COLOR: #000000;FONT-SIZE: 9pt;VERTICAL-ALIGN: middle;BORDER-: #ff9900 0.5pt solid;FONT-WEIGHT: 400;BORDER-RIGHT: #ff9900 0.5pt solid;TEXT-DECORATION: none;mso-pattern: none none;mso-protection: locked visible" class="et5" height="40" width="47" x:str="">绍兴	RDER-BOTTOM: #ff9900 0.5pt solid;TEXT-ALIGN: left;BORDER-LEFT: #ff9900 0.5pt solid;FONT-STYLE: normal;WIDTH: 337.5pt;WHITE-SPACE: normal;BACKGROUND: #ffffff;HEIGHT: 30pt;COLOR: #000000;FONT-SIZE: 9pt;VERTICAL-ALIGN: middle;BORDER-: #ff9900 0.5pt solid;FONT-WEIGHT: 400;BORDER-RIGHT: #ff9900 0.5pt solid;TEXT-DECORATION: none;mso-pattern: none none;mso-protection: locked visible" class="et6" height="40" width="450" x:str="">首套房贷款首付比例按低限执行；降低非首套房的房贷首付比例至 40%的低限；“认房不认贷”。
RDER-BOTTOM: #ff9900 0.5pt solid;TEXT-ALIGN: center;BORDER-LEFT: #ff9900 0.5pt solid;FONT-STYLE: normal;WIDTH: 64.5pt;WHITE-SPACE: normal;HEIGHT: 30pt;COLOR: #000000;FONT-SIZE: 9pt;VERTICAL-ALIGN: middle;BORDER-: #ff9900 0.5pt solid;FONT-WEIGHT: 400;BORDER-RIGHT: #ff9900 0.5pt solid;TEXT-DECORATION: none;mso-protection: locked visible" class="et8" height="40" width="86" x:str="">9月 12 日	RDER-BOTTOM: #ff9900 0.5pt solid;TEXT-ALIGN: center;BORDER-LEFT: #ff9900 0.5pt solid;FONT-STYLE: normal;WIDTH: 35.25pt;WHITE-SPACE: normal;HEIGHT: 30pt;COLOR: #000000;FONT-SIZE: 9pt;VERTICAL-ALIGN: middle;BORDER-: #ff9900 0.5pt solid;FONT-WEIGHT: 400;BORDER-RIGHT: #ff9900 0.5pt solid;TEXT-DECORATION: none;mso-protection: locked visible" class="et8" height="40" width="47" x:str="">沈阳	RDER-BOTTOM: #ff9900 0.5pt solid;TEXT-ALIGN: left;BORDER-LEFT: #ff9900 0.5pt solid;FONT-STYLE: normal;WIDTH: 337.5pt;WHITE-SPACE: normal;HEIGHT: 30pt;COLOR: #000000;FONT-SIZE: 9pt;VERTICAL-ALIGN: middle;BORDER-: #ff9900 0.5pt solid;FONT-WEIGHT: 400;BORDER-RIGHT: #ff9900 0.5pt solid;TEXT-DECORATION: none;mso-protection: locked visible" class="et9" height="40" width="450" x:str="">二套房首付回归到限购前的 60%。
RDER-BOTTOM: #ff9900 0.5pt solid;TEXT-ALIGN: center;BORDER-LEFT: #ff9900 0.5pt solid;FONT-STYLE: normal;WIDTH: 64.5pt;WHITE-SPACE: normal;BACKGROUND: #ffffff;HEIGHT: 30pt;COLOR: #000000;FONT-SIZE: 9pt;VERTICAL-ALIGN: middle;BORDER-: #ff9900 0.5pt solid;FONT-WEIGHT: 400;BORDER-RIGHT: #ff9900 0.5pt solid;TEXT-DECORATION: none;mso-pattern: none none;mso-protection: locked visible" class="et5" height="40" width="86" x:str="">9月 17 日	RDER-BOTTOM: #ff9900 0.5pt solid;TEXT-ALIGN: center;BORDER-LEFT: #ff9900 0.5pt solid;FONT-STYLE: normal;WIDTH: 35.25pt;WHITE-SPACE: normal;BACKGROUND: #ffffff;HEIGHT: 30pt;COLOR: #000000;FONT-SIZE: 9pt;VERTICAL-ALIGN: middle;BORDER-: #ff9900 0.5pt solid;FONT-WEIGHT: 400;BORDER-RIGHT: #ff9900 0.5pt solid;TEXT-DECORATION: none;mso-pattern: none none;mso-protection: locked visible" class="et5" height="40" width="47" x:str="">福州	RDER-BOTTOM: #ff9900 0.5pt solid;TEXT-ALIGN: left;BORDER-LEFT: #ff9900 0.5pt solid;FONT-STYLE: normal;WIDTH: 337.5pt;WHITE-SPACE: normal;BACKGROUND: #ffffff;HEIGHT: 30pt;COLOR: #000000;FONT-SIZE: 9pt;VERTICAL-ALIGN: middle;BORDER-: #ff9900 0.5pt solid;FONT-WEIGHT: 400;BORDER-RIGHT: #ff9900 0.5pt solid;TEXT-DECORATION: none;mso-pattern: none none;mso-protection: locked visible" class="et6" height="40" width="450" x:str="">购房人偿清购房贷款后，再次申请贷款购房的，按首贷认定。金融机构在贷款首付款比例和利率方面按照政策规定的低限执行。
RDER-BOTTOM: #ff9900 0.5pt solid;TEXT-ALIGN: center;BORDER-LEFT: #ff9900 0.5pt solid;FONT-STYLE: normal;WIDTH: 64.5pt;WHITE-SPACE: normal;HEIGHT: 30pt;COLOR: #000000;FONT-SIZE: 9pt;VERTICAL-ALIGN: middle;BORDER-: #ff9900 0.5pt solid;FONT-WEIGHT: 400;BORDER-RIGHT: #ff9900 0.5pt solid;TEXT-DECORATION: none;mso-protection: locked visible" class="et8" height="40" width="86" x:str="">9月 23 日	RDER-BOTTOM: #ff9900 0.5pt solid;TEXT-ALIGN: center;BORDER-LEFT: #ff9900 0.5pt solid;FONT-STYLE: normal;WIDTH: 35.25pt;WHITE-SPACE: normal;HEIGHT: 30pt;COLOR: #000000;FONT-SIZE: 9pt;VERTICAL-ALIGN: middle;BORDER-: #ff9900 0.5pt solid;FONT-WEIGHT: 400;BORDER-RIGHT: #ff9900 0.5pt solid;TEXT-DECORATION: none;mso-protection: locked visible" class="et8" height="40" width="47" x:str="">青岛	RDER-BOTTOM: #ff9900 0.5pt solid;TEXT-ALIGN: left;BORDER-LEFT: #ff9900 0.5pt solid;FONT-STYLE: normal;WIDTH: 337.5pt;WHITE-SPACE: normal;HEIGHT: 30pt;COLOR: #000000;FONT-SIZE: 9pt;VERTICAL-ALIGN: middle;BORDER-: #ff9900 0.5pt solid;FONT-WEIGHT: 400;BORDER-RIGHT: #ff9900 0.5pt solid;TEXT-DECORATION: none;mso-protection: locked visible" class="et9" height="40" width="450" x:str="">出售住房又新购住房的居民家庭偿清原购房贷款后，再次申请住房贷款的，按首套房贷认定。
RDER-BOTTOM: #ff9900 0.5pt solid;TEXT-ALIGN: center;BORDER-LEFT: #ff9900 0.5pt solid;FONT-STYLE: normal;WIDTH: 64.5pt;WHITE-SPACE: normal;BACKGROUND: #ffffff;HEIGHT: 30pt;COLOR: #000000;FONT-SIZE: 9pt;VERTICAL-ALIGN: middle;BORDER-: #ff9900 0.5pt solid;FONT-WEIGHT: 400;BORDER-RIGHT: #ff9900 0.5pt solid;TEXT-DECORATION: none;mso-pattern: none none;mso-protection: locked visible" class="et5" height="40" width="86" x:str="">9月 29日	RDER-BOTTOM: #ff9900 0.5pt solid;TEXT-ALIGN: center;BORDER-LEFT: #ff9900 0.5pt solid;FONT-STYLE: normal;WIDTH: 35.25pt;WHITE-SPACE: normal;BACKGROUND: #ffffff;HEIGHT: 30pt;COLOR: #000000;FONT-SIZE: 9pt;VERTICAL-ALIGN: middle;BORDER-: #ff9900 0.5pt solid;FONT-WEIGHT: 400;BORDER-RIGHT: #ff9900 0.5pt solid;TEXT-DECORATION: none;mso-pattern: none none;mso-protection: locked visible" class="et5" height="40" width="47" x:str="">南昌	RDER-BOTTOM: #ff9900 0.5pt solid;TEXT-ALIGN: left;BORDER-LEFT: #ff9900 0.5pt solid;FONT-STYLE: normal;WIDTH: 337.5pt;WHITE-SPACE: normal;BACKGROUND: #ffffff;HEIGHT: 30pt;COLOR: #000000;FONT-SIZE: 9pt;VERTICAL-ALIGN: middle;BORDER-: #ff9900 0.5pt solid;FONT-WEIGHT: 400;BORDER-RIGHT: #ff9900 0.5pt solid;TEXT-DECORATION: none;mso-pattern: none none;mso-protection: locked visible" class="et6" height="40" width="450" x:str="">中国人民银行南昌中心支行发布文件称，二套房首付从 70%降到 60%，即日起实施。
RDER-BOTTOM: #ff9900 0.5pt solid;TEXT-ALIGN: center;BORDER-LEFT: #ff9900 0.5pt solid;FONT-STYLE: normal;WIDTH: 177.75pt;WHITE-SPACE: normal;BACKGROUND: #ffff00;HEIGHT: 25.5pt;COLOR: #000000;FONT-SIZE: 9pt;VERTICAL-ALIGN: middle;BORDER-: #ff9900 0.5pt solid;FONT-WEIGHT: 700;BORDER-RIGHT: #ff9900 0.5pt solid;TEXT-DECORATION: none;mso-pattern: none none;mso-protection: locked visible" class="et10" height="34" width="237" colspan="4" x:str="">央行"930"新政：认贷不认房
RDER-BOTTOM: #ff9900 0.5pt solid;TEXT-ALIGN: center;BORDER-LEFT: #ff9900 0.5pt solid;FONT-STYLE: normal;WIDTH: 39pt;WHITE-SPACE: normal;BACKGROUND: #ffffff;HEIGHT: 108pt;COLOR: #000000;FONT-SIZE: 9pt;VERTICAL-ALIGN: middle;BORDER-: #ff9900 0.5pt solid;FONT-WEIGHT: 700;BORDER-RIGHT: #ff9900 0.5pt solid;TEXT-DECORATION: none;mso-pattern: none none;mso-protection: locked visible" class="et4" height="144" rowspan="2" width="52" x:str="">市级	RDER-BOTTOM: #ff9900 0.5pt solid;BORDER-LEFT: #ff9900 0.5pt solid;FONT-STYLE: normal;WIDTH: 64.5pt;WHITE-SPACE: normal;HEIGHT: 30pt;COLOR: #000000;FONT-SIZE: 9pt;VERTICAL-ALIGN: middle;BORDER-: #ff9900 0.5pt solid;FONT-WEIGHT: 400;BORDER-RIGHT: #ff9900 0.5pt solid;TEXT-DECORATION: none;mso-protection: locked visible" class="et12" height="40" width="86" x:str="">10月 30日	RDER-BOTTOM: #ff9900 0.5pt solid;BORDER-LEFT: #ff9900 0.5pt solid;FONT-STYLE: normal;WIDTH: 35.25pt;WHITE-SPACE: normal;HEIGHT: 30pt;COLOR: #000000;FONT-SIZE: 9pt;VERTICAL-ALIGN: middle;BORDER-: #ff9900 0.5pt solid;FONT-WEIGHT: 400;BORDER-RIGHT: #ff9900 0.5pt solid;TEXT-DECORATION: none;mso-protection: locked visible" class="et12" height="40" width="47" x:str="">杭州	RDER-BOTTOM: #ff9900 0.5pt solid;TEXT-ALIGN: left;BORDER-LEFT: #ff9900 0.5pt solid;FONT-STYLE: normal;WIDTH: 337.5pt;WHITE-SPACE: normal;HEIGHT: 30pt;COLOR: #000000;FONT-SIZE: 9pt;VERTICAL-ALIGN: middle;BORDER-: #ff9900 0.5pt solid;FONT-WEIGHT: 400;BORDER-RIGHT: #ff9900 0.5pt solid;TEXT-DECORATION: none;mso-protection: locked visible" class="et9" height="40" width="450" x:str="">《关于进一步促进房地产市场稳定健康发展的通知》： 落实差别化信贷政策，鼓励首套自住房和改善型住房消费需求。
RDER-BOTTOM: #ff9900 0.5pt solid;BORDER-LEFT: #ff9900 0.5pt solid;FONT-STYLE: normal;WIDTH: 64.5pt;WHITE-SPACE: normal;BACKGROUND: #ffffff;HEIGHT: 78pt;COLOR: #000000;FONT-SIZE: 9pt;VERTICAL-ALIGN: middle;BORDER-: #ff9900 0.5pt solid;FONT-WEIGHT: 400;BORDER-RIGHT: #ff9900 0.5pt solid;TEXT-DECORATION: none;mso-pattern: none none;mso-protection: locked visible" class="et13" height="104" width="86" x:str="">11月 6日	RDER-BOTTOM: #ff9900 0.5pt solid;BORDER-LEFT: #ff9900 0.5pt solid;FONT-STYLE: normal;WIDTH: 35.25pt;WHITE-SPACE: normal;BACKGROUND: #ffffff;HEIGHT: 78pt;COLOR: #000000;FONT-SIZE: 9pt;VERTICAL-ALIGN: middle;BORDER-: #ff9900 0.5pt solid;FONT-WEIGHT: 400;BORDER-RIGHT: #ff9900 0.5pt solid;TEXT-DECORATION: none;mso-pattern: none none;mso-protection: locked visible" class="et13" height="104" width="47" x:str="">泸州	RDER-BOTTOM: #ff9900 0.5pt solid;TEXT-ALIGN: left;BORDER-LEFT: #ff9900 0.5pt solid;FONT-STYLE: normal;WIDTH: 337.5pt;WHITE-SPACE: normal;BACKGROUND: #ffffff;HEIGHT: 78pt;COLOR: #000000;FONT-SIZE: 9pt;VERTICAL-ALIGN: middle;BORDER-: #ff9900 0.5pt solid;FONT-WEIGHT: 400;BORDER-RIGHT: #ff9900 0.5pt solid;TEXT-DECORATION: none;mso-pattern: none none;mso-protection: locked visible" class="et6" height="104" width="450" x:str="">《促进房地产建筑市场平稳健康发展的 26 条措施》： 对拥有一套住房并已结清相应购房贷款的家庭，为改善居住条件再次申请贷款购买普通商品住房，银行业金融机构按首套房贷款政策执行。对拥有两套及以上住房并已结清相应购房贷款的家庭，又申请贷款购买住房，银行业金融机构应根据借款人偿付能力、信用状况等因素审慎把握并具体确定首付款比例和贷款利率水平。

土地篇市场篇2015年预测篇

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