The reporter learned yesterday that according to the unified deployment of the state and province, the city has established an urban real estate financing coordination mechanism, with real estate projects as the object, the study put forward a list of real estate projects that can be given financing support, and recently completed the first batch of push to commercial banks, involving 3 projects, financing needs a total of 17$1.4 billion.
According to reports, for a long time, the real estate financing model is mainly for real estate enterprises and financial institutions to directly dock. The advantage of this model is that it is direct and efficient, but the disadvantage is that the flow of funds is difficult to control, and the post-loan management is difficult. In order to solve the problem, the real estate project financing coordination mechanism came into being. The mechanism provides financial institutions with a list of real estate projects that can be financed on a city-by-city basis and a project-based vehicle. In accordance with the principles of marketization and rule of law, financial institutions will evaluate the support objects pushed by the coordination mechanism.
According to the requirements of the Ministry of Housing and Urban-Rural Development, projects that are eligible to enter the "white list" must meet five conditions, including: the project is under construction, and if the project is suspended for a short period of time, but the funds are in place to resume construction and delivery, it can also be included; There is collateral that basically matches the financing amount; Identify a loan sponsor bank and establish a closed supervision system for loan funds; The pre-sale funds have not been withdrawn or the pre-sale funds have been recovered; Develop a plan for the use of the loan and a plan for the completion of the project. Projects on the "white list" will enjoy the green channel established by financial institutions to optimize the approval process and shorten the approval time.
Relevant industry insiders said that the new policy of "white list" for real estate projects strictly distinguishes between the risks of real estate enterprise groups and project risks, and can meet the financing needs of real estate development enterprises in a more targeted and accurate manner. At the "government-bank-enterprise communication" meeting on real estate financing held in our city yesterday, all development projects are looking forward to entering the "white list" smoothly and enjoying the green channel for financing as soon as possible. A participating company said on the spot that it participated in the joint development of a complex project with a total investment of more than 10 billion yuan, and the financing demand was very urgent, but due to the risk of one shareholder, it could not pass the bank review, and the project could not add new financing, "I hope that under the operation of the new mechanism, the project can solve the financing problem." ”
The relevant person in charge of the Municipal Housing Security and Real Estate Bureau said that the city has opened a number of project declaration channels such as district-level mapping, enterprise declaration, and bank recommendation, and the financing coordination mechanism will be screened in a timely manner according to the "five conditions", and the project will be the object of normalizing the "white list" of real estate projects. By establishing a closed loop of project "white list" and "push-feedback", the tracking and effectiveness of project financing will be strengthened; Through the establishment of a closed-loop management of "issuance-use-repayment", we will ensure that all funds are used for project construction, strictly prevent the diversion of funds, promote the virtuous cycle of the "white list" system in our city, and promote the stable and healthy development of the real estate market. (Reporter Gu Xiaoping).