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全款房抵押貸款需要什么條件[房產百科]

1、有(you)(you)正當職業(ye)和穩(wen)(wen)定(ding)的(de)(de)(de)(de)(de)收(shou)(shou)入來源(yuan)，具(ju)(ju)有(you)(you)按(an)期償還(huan)(huan)貸(dai)(dai)(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)本(ben)息的(de)(de)(de)(de)(de)能力。2、沒有(you)(you)違(wei)法(fa)行(xing)為和不良信用記錄。3、能夠提(ti)供銀(yin)(yin)(yin)(yin)(yin)(yin)行(xing)認可的(de)(de)(de)(de)(de)有(you)(you)效(xiao)權利質押(ya)(ya)(ya)(ya)擔(dan)(dan)保或(huo)能以(yi)合法(fa)有(you)(you)效(xiao)的(de)(de)(de)(de)(de)房(fang)(fang)產(chan)作抵(di)(di)(di)押(ya)(ya)(ya)(ya)擔(dan)(dan)保或(huo)具(ju)(ju)有(you)(you)代償能力的(de)(de)(de)(de)(de)第三(san)方保證(zheng)(zheng)。4、開立(li)中國工商(shang)銀(yin)(yin)(yin)(yin)(yin)(yin)行(xing)個(ge)人(ren)(ren)(ren)(ren)(ren)結算(suan)賬戶(hu)，并且同意(yi)銀(yin)(yin)(yin)(yin)(yin)(yin)行(xing)從其指定(ding)的(de)(de)(de)(de)(de)個(ge)人(ren)(ren)(ren)(ren)(ren)結算(suan)賬戶(hu)扣收(shou)(shou)貸(dai)(dai)(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)本(ben)息。5、銀(yin)(yin)(yin)(yin)(yin)(yin)行(xing)規定(ding)的(de)(de)(de)(de)(de)其他條件。全款(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)房(fang)(fang)怎(zen)么辦(ban)(ban)理(li)抵(di)(di)(di)押(ya)(ya)(ya)(ya)貸(dai)(dai)(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)1、全款(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)房(fang)(fang)抵(di)(di)(di)押(ya)(ya)(ya)(ya)貸(dai)(dai)(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)需(xu)要(yao)借(jie)(jie)款(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)人(ren)(ren)(ren)(ren)(ren)辦(ban)(ban)理(li)抵(di)(di)(di)押(ya)(ya)(ya)(ya)貸(dai)(dai)(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)前需(xu)要(yao)填寫居民住房(fang)(fang)抵(di)(di)(di)押(ya)(ya)(ya)(ya)申請書，并且需(xu)要(yao)向銀(yin)(yin)(yin)(yin)(yin)(yin)行(xing)提(ti)交(jiao)下列證(zheng)(zheng)明(ming)材料：借(jie)(jie)示人(ren)(ren)(ren)(ren)(ren)所在(zai)單(dan)位出具(ju)(ju)的(de)(de)(de)(de)(de)借(jie)(jie)款(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)人(ren)(ren)(ren)(ren)(ren)固定(ding)經(jing)濟(ji)收(shou)(shou)入證(zheng)(zheng)明(ming)。借(jie)(jie)款(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)的(de)(de)(de)(de)(de)擔(dan)(dan)保人(ren)(ren)(ren)(ren)(ren)的(de)(de)(de)(de)(de)營業(ye)執照以(yi)及(ji)法(fa)人(ren)(ren)(ren)(ren)(ren)證(zheng)(zheng)明(ming)等(deng)資信證(zheng)(zheng)明(ming)文件。2、借(jie)(jie)款(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)人(ren)(ren)(ren)(ren)(ren)具(ju)(ju)有(you)(you)法(fa)律(lv)效(xiao)力的(de)(de)(de)(de)(de)身份證(zheng)(zheng)明(ming)。符合法(fa)律(lv)規定(ding)的(de)(de)(de)(de)(de)有(you)(you)關住房(fang)(fang)所有(you)(you)房(fang)(fang)產(chan)的(de)(de)(de)(de)(de)房(fang)(fang)產(chan)抵(di)(di)(di)押(ya)(ya)(ya)(ya)貸(dai)(dai)(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)流程第一步。3、全款(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)房(fang)(fang)抵(di)(di)(di)押(ya)(ya)(ya)(ya)貸(dai)(dai)(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)需(xu)要(yao)根(gen)據銀(yin)(yin)(yin)(yin)(yin)(yin)行(xing)貸(dai)(dai)(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)流程，銀(yin)(yin)(yin)(yin)(yin)(yin)行(xing)對借(jie)(jie)款(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)人(ren)(ren)(ren)(ren)(ren)的(de)(de)(de)(de)(de)貸(dai)(dai)(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)申請、購房(fang)(fang)合同、協(xie)議(yi)及(ji)有(you)(you)關材料進(jin)行(xing)審(shen)查。借(jie)(jie)款(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)人(ren)(ren)(ren)(ren)(ren)將抵(di)(di)(di)押(ya)(ya)(ya)(ya)房(fang)(fang)產(chan)的(de)(de)(de)(de)(de)產(chan)權證(zheng)(zheng)書及(ji)保險單(dan)或(huo)有(you)(you)價證(zheng)(zheng)券交(jiao)銀(yin)(yin)(yin)(yin)(yin)(yin)行(xing)收(shou)(shou)押(ya)(ya)(ya)(ya)。借(jie)(jie)貸(dai)(dai)(dai)(dai)(dai)(dai)雙方擔(dan)(dan)保人(ren)(ren)(ren)(ren)(ren)簽訂住房(fang)(fang)抵(di)(di)(di)押(ya)(ya)(ya)(ya)貸(dai)(dai)(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)合同并進(jin)行(xing)公(gong)證(zheng)(zheng)。4、根(gen)據以(yi)上房(fang)(fang)產(chan)抵(di)(di)(di)押(ya)(ya)(ya)(ya)貸(dai)(dai)(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)流程，貸(dai)(dai)(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)合同簽訂并經(jing)公(gong)證(zheng)(zheng)后，銀(yin)(yin)(yin)(yin)(yin)(yin)行(xing)對借(jie)(jie)貸(dai)(dai)(dai)(dai)(dai)(dai)人(ren)(ren)(ren)(ren)(ren)的(de)(de)(de)(de)(de)存(cun)款(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)和貸(dai)(dai)(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)通過轉帳(zhang)方式劃入購房(fang)(fang)合同或(huo)協(xie)議(yi)指定(ding)的(de)(de)(de)(de)(de)售房(fang)(fang)單(dan)位或(huo)建房(fang)(fang)單(dan)位。5、對于辦(ban)(ban)理(li)貸(dai)(dai)(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)存(cun)在(zai)限制，年滿18周(zhou)歲，全款(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)房(fang)(fang)抵(di)(di)(di)押(ya)(ya)(ya)(ya)貸(dai)(dai)(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)需(xu)要(yao)具(ju)(ju)有(you)(you)完(wan)全民事行(xing)為能力的(de)(de)(de)(de)(de)自(zi)然人(ren)(ren)(ren)(ren)(ren)，職業(ye)收(shou)(shou)入不穩(wen)(wen)定(ding)、信用不好(hao)，無償還(huan)(huan)能力等(deng)對于個(ge)人(ren)(ren)(ren)(ren)(ren)信用的(de)(de)(de)(de)(de)限制，很多人(ren)(ren)(ren)(ren)(ren)都(dou)希(xi)望拿(na)到高額(e)度貸(dai)(dai)(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)，但你(ni)要(yao)有(you)(you)相應的(de)(de)(de)(de)(de)收(shou)(shou)入與之匹配才(cai)行(xing)，若你(ni)的(de)(de)(de)(de)(de)個(ge)人(ren)(ren)(ren)(ren)(ren)信用有(you)(you)不良記錄，同樣有(you)(you)被拒(ju)貸(dai)(dai)(dai)(dai)(dai)(dai)的(de)(de)(de)(de)(de)風險。

二手房交易要交什么稅 注意事項有什么？[房(fang)產(chan)百科]

現在(zai)(zai)(zai)房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)地產(chan)市(shi)場上(shang)(shang)(shang)(shang)很多的(de)(de)(de)(de)(de)(de)(de)(de)人(ren)們都(dou)會考慮購(gou)(gou)(gou)買(mai)(mai)(mai)(mai)(mai)(mai)二(er)(er)(er)(er)手(shou)(shou)房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)，二(er)(er)(er)(er)手(shou)(shou)房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)屋(wu)(wu)(wu)(wu)(wu)因為(wei)價格(ge)相(xiang)對(dui)(dui)便宜成(cheng)(cheng)為(wei)很多人(ren)們選購(gou)(gou)(gou)的(de)(de)(de)(de)(de)(de)(de)(de)熱點。二(er)(er)(er)(er)手(shou)(shou)房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)屋(wu)(wu)(wu)(wu)(wu)的(de)(de)(de)(de)(de)(de)(de)(de)買(mai)(mai)(mai)(mai)(mai)(mai)賣(mai)和交(jiao)(jiao)(jiao)(jiao)易(yi)(yi)(yi)(yi)是(shi)要(yao)(yao)注意(yi)一下具(ju)體的(de)(de)(de)(de)(de)(de)(de)(de)購(gou)(gou)(gou)買(mai)(mai)(mai)(mai)(mai)(mai)注意(yi)事項(xiang)(xiang)的(de)(de)(de)(de)(de)(de)(de)(de)，那么(me)二(er)(er)(er)(er)手(shou)(shou)房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)交(jiao)(jiao)(jiao)(jiao)易(yi)(yi)(yi)(yi)要(yao)(yao)交(jiao)(jiao)(jiao)(jiao)什(shen)么(me)稅(shui)(shui)?二(er)(er)(er)(er)手(shou)(shou)房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)交(jiao)(jiao)(jiao)(jiao)易(yi)(yi)(yi)(yi)注意(yi)事項(xiang)(xiang)有(you)(you)什(shen)么(me)?我(wo)(wo)們來(lai)看看小(xiao)變的(de)(de)(de)(de)(de)(de)(de)(de)相(xiang)關(guan)介(jie)紹(shao)與講述(shu)吧。二(er)(er)(er)(er)手(shou)(shou)房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)交(jiao)(jiao)(jiao)(jiao)易(yi)(yi)(yi)(yi)要(yao)(yao)交(jiao)(jiao)(jiao)(jiao)什(shen)么(me)稅(shui)(shui)1、折(zhe)疊(die)契稅(shui)(shui):符合(he)我(wo)(wo)們住(zhu)(zhu)(zhu)(zhu)宅(zhai)(zhai)(zhai)(zhai)小(xiao)區建筑(zhu)容積率(lv)在(zai)(zai)(zai)1.0(含)以(yi)上(shang)(shang)(shang)(shang)、單套的(de)(de)(de)(de)(de)(de)(de)(de)建筑(zhu)面(mian)積是(shi)在(zai)(zai)(zai)140(含)平(ping)(ping)方(fang)米以(yi)下(在(zai)(zai)(zai)120平(ping)(ping)方(fang)米基(ji)礎(chu)上(shang)(shang)(shang)(shang)上(shang)(shang)(shang)(shang)浮(fu)16.7%)、實際的(de)(de)(de)(de)(de)(de)(de)(de)成(cheng)(cheng)交(jiao)(jiao)(jiao)(jiao)價低于(yu)同(tong)(tong)級的(de)(de)(de)(de)(de)(de)(de)(de)別土地上(shang)(shang)(shang)(shang)住(zhu)(zhu)(zhu)(zhu)房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)平(ping)(ping)均(jun)交(jiao)(jiao)(jiao)(jiao)易(yi)(yi)(yi)(yi)價格(ge)的(de)(de)(de)(de)(de)(de)(de)(de)1.2倍以(yi)下等符合(he)三(san)個(ge)條(tiao)件的(de)(de)(de)(de)(de)(de)(de)(de),則(ze)應視為(wei)普(pu)(pu)(pu)通(tong)(tong)住(zhu)(zhu)(zhu)(zhu)宅(zhai)(zhai)(zhai)(zhai),是(shi)要(yao)(yao)征收房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)屋(wu)(wu)(wu)(wu)(wu)成(cheng)(cheng)交(jiao)(jiao)(jiao)(jiao)價的(de)(de)(de)(de)(de)(de)(de)(de)1.5%的(de)(de)(de)(de)(de)(de)(de)(de)契稅(shui)(shui)。反之則(ze)是(shi)按3%。2、新政下的(de)(de)(de)(de)(de)(de)(de)(de)契稅(shui)(shui):普(pu)(pu)(pu)宅(zhai)(zhai)(zhai)(zhai):90平(ping)(ping)米以(yi)下:1%、90平(ping)(ping)米以(yi)上(shang)(shang)(shang)(shang):1.5%、非(fei)普(pu)(pu)(pu)宅(zhai)(zhai)(zhai)(zhai):3%、商(shang)業(ye)房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)或(huo)(huo)公司產(chan)權(quan)(quan):3%折(zhe)疊(die)城建稅(shui)(shui):營(ying)業(ye)稅(shui)(shui)的(de)(de)(de)(de)(de)(de)(de)(de)7%;費(fei)附(fu)加稅(shui)(shui);營(ying)業(ye)稅(shui)(shui)的(de)(de)(de)(de)(de)(de)(de)(de)3%。折(zhe)疊(die)個(ge)人(ren)所得(de)稅(shui)(shui):普(pu)(pu)(pu)通(tong)(tong)住(zhu)(zhu)(zhu)(zhu)宅(zhai)(zhai)(zhai)(zhai)2年(nian)(nian)(nian)(nian)之內(nei)(nei):{售(shou)房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)收入(ru)-購(gou)(gou)(gou)房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)總(zong)(zong)額(e)(e)(e)-(營(ying)業(ye)稅(shui)(shui)+城建稅(shui)(shui)+費(fei)附(fu)加稅(shui)(shui)+印花稅(shui)(shui))}×20%;2年(nian)(nian)(nian)(nian)以(yi)上(shang)(shang)(shang)(shang)(含)5年(nian)(nian)(nian)(nian)以(yi)下的(de)(de)(de)(de)(de)(de)(de)(de)普(pu)(pu)(pu)通(tong)(tong)住(zhu)(zhu)(zhu)(zhu)宅(zhai)(zhai)(zhai)(zhai):(售(shou)房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)收入(ru)-購(gou)(gou)(gou)房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)總(zong)(zong)額(e)(e)(e)-印花稅(shui)(shui))×20%。3、二(er)(er)(er)(er)手(shou)(shou)房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)交(jiao)(jiao)(jiao)(jiao)易(yi)(yi)(yi)(yi)稅(shui)(shui)費(fei):非(fei)普(pu)(pu)(pu)通(tong)(tong)住(zhu)(zhu)(zhu)(zhu)宅(zhai)(zhai)(zhai)(zhai)2年(nian)(nian)(nian)(nian)內(nei)(nei):房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)屋(wu)(wu)(wu)(wu)(wu)成(cheng)(cheng)交(jiao)(jiao)(jiao)(jiao)總(zong)(zong)額(e)(e)(e)×5.55% 2年(nian)(nian)(nian)(nian)或(huo)(huo)2年(nian)(nian)(nian)(nian)以(yi)上(shang)(shang)(shang)(shang):差額(e)(e)(e) ×5.55% ;個(ge)人(ren)所得(de)稅(shui)(shui): 普(pu)(pu)(pu)通(tong)(tong)住(zhu)(zhu)(zhu)(zhu)宅(zhai)(zhai)(zhai)(zhai)房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)屋(wu)(wu)(wu)(wu)(wu)成(cheng)(cheng)交(jiao)(jiao)(jiao)(jiao)總(zong)(zong)額(e)(e)(e)的(de)(de)(de)(de)(de)(de)(de)(de)1%或(huo)(huo)利(li)潤部(bu)(bu)分(fen)(fen)×20%;非(fei)普(pu)(pu)(pu)通(tong)(tong)住(zhu)(zhu)(zhu)(zhu)宅(zhai)(zhai)(zhai)(zhai)房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)屋(wu)(wu)(wu)(wu)(wu)成(cheng)(cheng)交(jiao)(jiao)(jiao)(jiao)總(zong)(zong)額(e)(e)(e)的(de)(de)(de)(de)(de)(de)(de)(de)2%或(huo)(huo)利(li)潤部(bu)(bu)分(fen)(fen)×20%;土地稅(shui)(shui):普(pu)(pu)(pu)通(tong)(tong)住(zhu)(zhu)(zhu)(zhu)宅(zhai)(zhai)(zhai)(zhai)免征,非(fei)普(pu)(pu)(pu)通(tong)(tong)住(zhu)(zhu)(zhu)(zhu)宅(zhai)(zhai)(zhai)(zhai)3年(nian)(nian)(nian)(nian)內(nei)(nei):房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)屋(wu)(wu)(wu)(wu)(wu)成(cheng)(cheng)交(jiao)(jiao)(jiao)(jiao)總(zong)(zong)額(e)(e)(e)×0.5% ,3年(nian)(nian)(nian)(nian)至5年(nian)(nian)(nian)(nian):房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)屋(wu)(wu)(wu)(wu)(wu)成(cheng)(cheng)交(jiao)(jiao)(jiao)(jiao)總(zong)(zong)額(e)(e)(e)×0.25% 5年(nian)(nian)(nian)(nian)或(huo)(huo)5年(nian)(nian)(nian)(nian)以(yi)上(shang)(shang)(shang)(shang):免征。二(er)(er)(er)(er)手(shou)(shou)房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)交(jiao)(jiao)(jiao)(jiao)易(yi)(yi)(yi)(yi)注意(yi)事項(xiang)(xiang)有(you)(you)什(shen)么(me)1、房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)屋(wu)(wu)(wu)(wu)(wu)產(chan)權(quan)(quan)是(shi)否(fou)(fou)(fou)明(ming)晰：有(you)(you)些(xie)房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)屋(wu)(wu)(wu)(wu)(wu)有(you)(you)好多個(ge)共(gong)有(you)(you)人(ren),如有(you)(you)繼承人(ren)共(gong)有(you)(you)的(de)(de)(de)(de)(de)(de)(de)(de)、有(you)(you)家庭共(gong)有(you)(you)的(de)(de)(de)(de)(de)(de)(de)(de)、還有(you)(you)夫妻共(gong)有(you)(you)的(de)(de)(de)(de)(de)(de)(de)(de),對(dui)(dui)此(ci)買(mai)(mai)(mai)(mai)(mai)(mai)受(shou)人(ren)應當和全部(bu)(bu)共(gong)有(you)(you)人(ren)簽訂(ding)房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)屋(wu)(wu)(wu)(wu)(wu)買(mai)(mai)(mai)(mai)(mai)(mai)賣(mai)合(he)同(tong)(tong)。如果只(zhi)是(shi)部(bu)(bu)分(fen)(fen)共(gong)有(you)(you)人(ren)擅自處分(fen)(fen)共(gong)有(you)(you)財產(chan),買(mai)(mai)(mai)(mai)(mai)(mai)受(shou)人(ren)與其(qi)簽訂(ding)的(de)(de)(de)(de)(de)(de)(de)(de)買(mai)(mai)(mai)(mai)(mai)(mai)賣(mai)合(he)同(tong)(tong)未在(zai)(zai)(zai)其(qi)他共(gong)有(you)(you)人(ren)同(tong)(tong)意(yi)的(de)(de)(de)(de)(de)(de)(de)(de)情(qing)(qing)況(kuang)(kuang)(kuang)下一般(ban)是(shi)無(wu)效的(de)(de)(de)(de)(de)(de)(de)(de)。2、交(jiao)(jiao)(jiao)(jiao)易(yi)(yi)(yi)(yi)房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)屋(wu)(wu)(wu)(wu)(wu)是(shi)否(fou)(fou)(fou)在(zai)(zai)(zai)租(zu)：有(you)(you)些(xie)二(er)(er)(er)(er)手(shou)(shou)房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)在(zai)(zai)(zai)轉讓時(shi),存(cun)在(zai)(zai)(zai)物上(shang)(shang)(shang)(shang)負(fu)擔,即還被別人(ren)租(zu)賃(lin)(lin)(lin)。如果買(mai)(mai)(mai)(mai)(mai)(mai)受(shou)人(ren)只(zhi)看房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)產(chan)證(zheng),只(zhi)注重(zhong)過戶手(shou)(shou)續,而(er)不注意(yi)是(shi)否(fou)(fou)(fou)存(cun)在(zai)(zai)(zai)租(zu)賃(lin)(lin)(lin)時(shi),買(mai)(mai)(mai)(mai)(mai)(mai)受(shou)人(ren)極有(you)(you)可(ke)能(neng)(neng)(neng)得(de)到一個(ge)不能(neng)(neng)(neng)及時(shi)入(ru)住(zhu)(zhu)(zhu)(zhu)的(de)(de)(de)(de)(de)(de)(de)(de)或(huo)(huo)使(shi)用的(de)(de)(de)(de)(de)(de)(de)(de)房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)產(chan)。因為(wei)我(wo)(wo)國包括(kuo)大部(bu)(bu)分(fen)(fen)國家均(jun)認可(ke)“買(mai)(mai)(mai)(mai)(mai)(mai)賣(mai)不破(po)租(zu)賃(lin)(lin)(lin)”,也就(jiu)是(shi)說房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)屋(wu)(wu)(wu)(wu)(wu)買(mai)(mai)(mai)(mai)(mai)(mai)賣(mai)合(he)同(tong)(tong)不能(neng)(neng)(neng)對(dui)(dui)抗在(zai)(zai)(zai)先(xian)成(cheng)(cheng)立的(de)(de)(de)(de)(de)(de)(de)(de)租(zu)賃(lin)(lin)(lin)合(he)同(tong)(tong)。3、市(shi)政規劃(hua)是(shi)否(fou)(fou)(fou)影響：有(you)(you)些(xie)房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)主出售(shou)二(er)(er)(er)(er)手(shou)(shou)房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)可(ke)能(neng)(neng)(neng)是(shi)已了解(jie)該(gai)房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)屋(wu)(wu)(wu)(wu)(wu)在(zai)(zai)(zai)5到10年(nian)(nian)(nian)(nian)左右要(yao)(yao)面(mian)臨(lin)拆(chai)遷,或(huo)(huo)者(zhe)房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)屋(wu)(wu)(wu)(wu)(wu)要(yao)(yao)建高層住(zhu)(zhu)(zhu)(zhu)宅(zhai)(zhai)(zhai)(zhai),可(ke)能(neng)(neng)(neng)影響采光、價格(ge)等市(shi)政規劃(hua)情(qing)(qing)況(kuang)(kuang)(kuang),才急(ji)于(yu)出售(shou),作(zuo)為(wei)買(mai)(mai)(mai)(mai)(mai)(mai)受(shou)人(ren)在(zai)(zai)(zai)購(gou)(gou)(gou)買(mai)(mai)(mai)(mai)(mai)(mai)時(shi)應全面(mian)了解(jie)詳細(xi)情(qing)(qing)況(kuang)(kuang)(kuang)。在(zai)(zai)(zai)購(gou)(gou)(gou)買(mai)(mai)(mai)(mai)(mai)(mai)二(er)(er)(er)(er)手(shou)(shou)房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)屋(wu)(wu)(wu)(wu)(wu)的(de)(de)(de)(de)(de)(de)(de)(de)時(shi)候(hou)，一定要(yao)(yao)注意(yi)一下具(ju)體的(de)(de)(de)(de)(de)(de)(de)(de)買(mai)(mai)(mai)(mai)(mai)(mai)賣(mai)流程，要(yao)(yao)注意(yi)一下交(jiao)(jiao)(jiao)(jiao)易(yi)(yi)(yi)(yi)的(de)(de)(de)(de)(de)(de)(de)(de)細(xi)節(jie)問題，避免影響了自身的(de)(de)(de)(de)(de)(de)(de)(de)權(quan)(quan)益(yi)，也影響房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)屋(wu)(wu)(wu)(wu)(wu)的(de)(de)(de)(de)(de)(de)(de)(de)交(jiao)(jiao)(jiao)(jiao)易(yi)(yi)(yi)(yi)。以(yi)上(shang)(shang)(shang)(shang)就(jiu)是(shi)小(xiao)編關(guan)于(yu)二(er)(er)(er)(er)手(shou)(shou)房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)交(jiao)(jiao)(jiao)(jiao)易(yi)(yi)(yi)(yi)要(yao)(yao)交(jiao)(jiao)(jiao)(jiao)什(shen)么(me)稅(shui)(shui)?二(er)(er)(er)(er)手(shou)(shou)房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)交(jiao)(jiao)(jiao)(jiao)易(yi)(yi)(yi)(yi)注意(yi)事項(xiang)(xiang)有(you)(you)什(shen)么(me)?的(de)(de)(de)(de)(de)(de)(de)(de)相(xiang)關(guan)介(jie)紹(shao)，希望對(dui)(dui)于(yu)大家選購(gou)(gou)(gou)二(er)(er)(er)(er)手(shou)(shou)房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)屋(wu)(wu)(wu)(wu)(wu)有(you)(you)一定的(de)(de)(de)(de)(de)(de)(de)(de)幫助(zhu)。

關于驗房 這些方法你知道嗎[房產百科(ke)]

現(xian)(xian)(xian)(xian)在(zai)(zai)一(yi)(yi)(yi)(yi)(yi)(yi)些(xie)一(yi)(yi)(yi)(yi)(yi)(yi)、二線城市買房(fang)(fang)(fang)都(dou)(dou)(dou)送精裝(zhuang)(zhuang)修(xiu)(xiu)，由于精裝(zhuang)(zhuang)房(fang)(fang)(fang)帶有(you)(you)(you)(you)(you)(you)精致(zhi)裝(zhuang)(zhuang)修(xiu)(xiu)，與(yu)毛坯房(fang)(fang)(fang)相(xiang)比，能(neng)(neng)(neng)節省業主裝(zhuang)(zhuang)修(xiu)(xiu)所需(xu)的(de)(de)(de)(de)(de)(de)(de)(de)時(shi)(shi)(shi)(shi)(shi)(shi)(shi)間(jian)(jian)(jian)及(ji)(ji)＊＊，自然(ran)受到(dao)(dao)(dao)一(yi)(yi)(yi)(yi)(yi)(yi)些(xie)剛性需(xu)求(qiu)人(ren)群的(de)(de)(de)(de)(de)(de)(de)(de)追(zhui)捧。然(ran)而，精致(zhi)裝(zhuang)(zhuang)修(xiu)(xiu)能(neng)(neng)(neng)暫時(shi)(shi)(shi)(shi)(shi)(shi)(shi)掩(yan)蓋(gai)房(fang)(fang)(fang)子本身的(de)(de)(de)(de)(de)(de)(de)(de)缺憾(han)，這就(jiu)(jiu)(jiu)需(xu)要(yao)(yao)(yao)(yao)業主驗(yan)房(fang)(fang)(fang)時(shi)(shi)(shi)(shi)(shi)(shi)(shi)候多注(zhu)意注(zhu)意。下(xia)(xia)我就(jiu)(jiu)(jiu)給大家介(jie)紹(shao)19種精裝(zhuang)(zhuang)房(fang)(fang)(fang)驗(yan)房(fang)(fang)(fang)方(fang)(fang)法(fa)，既簡(jian)單又容易操作(zuo)。　一(yi)(yi)(yi)(yi)(yi)(yi)、檢(jian)(jian)(jian)(jian)(jian)(jian)(jian)查(cha)(cha)(cha)廚(chu)房(fang)(fang)(fang)煙道(dao)(dao)(dao)(dao)(dao)用(yong)(yong)(yong)(yong)紙卷點(dian)(dian)火(huo)(huo)后(hou)(hou)滅火(huo)(huo)冒煙，放(fang)在(zai)(zai)煙道(dao)(dao)(dao)(dao)(dao)口(kou)下(xia)(xia)方(fang)(fang)10厘米左右(you)，看(kan)(kan)(kan)煙是(shi)(shi)(shi)(shi)否(fou)(fou)(fou)(fou)(fou)(fou)(fou)(fou)上(shang)(shang)(shang)(shang)升(sheng)到(dao)(dao)(dao)煙道(dao)(dao)(dao)(dao)(dao)口(kou)就(jiu)(jiu)(jiu)立刻拐(guai)彎(wan)被吸走。二、檢(jian)(jian)(jian)(jian)(jian)(jian)(jian)查(cha)(cha)(cha)衛(wei)生(sheng)(sheng)(sheng)(sheng)(sheng)(sheng)間(jian)(jian)(jian)通風(feng)(feng)　應(ying)在(zai)(zai)吊頂(ding)下(xia)(xia)留(liu)(liu)通風(feng)(feng)口(kou)。留(liu)(liu)在(zai)(zai)吊頂(ding)上(shang)(shang)(shang)(shang)面(mian)(mian)(mian)(mian)時(shi)(shi)(shi)(shi)(shi)(shi)(shi)要(yao)(yao)(yao)(yao)用(yong)(yong)(yong)(yong)手(shou)燈(deng)(deng)查(cha)(cha)(cha)看(kan)(kan)(kan)是(shi)(shi)(shi)(shi)否(fou)(fou)(fou)(fou)(fou)(fou)(fou)(fou)具備(bei)安裝(zhuang)(zhuang)性，同(tong)時(shi)(shi)(shi)(shi)(shi)(shi)(shi)用(yong)(yong)(yong)(yong)第一(yi)(yi)(yi)(yi)(yi)(yi)種方(fang)(fang)法(fa)測抽力。在(zai)(zai)煙道(dao)(dao)(dao)(dao)(dao)、通風(feng)(feng)口(kou)處還要(yao)(yao)(yao)(yao)用(yong)(yong)(yong)(yong)手(shou)電(dian)(dian)筒查(cha)(cha)(cha)看(kan)(kan)(kan)是(shi)(shi)(shi)(shi)否(fou)(fou)(fou)(fou)(fou)(fou)(fou)(fou)存有(you)(you)(you)(you)(you)(you)建筑垃(la)(la)圾(ji)。三(san)、檢(jian)(jian)(jian)(jian)(jian)(jian)(jian)查(cha)(cha)(cha)管(guan)道(dao)(dao)(dao)(dao)(dao)煤氣(qi)　用(yong)(yong)(yong)(yong)冒煙的(de)(de)(de)(de)(de)(de)(de)(de)卷紙放(fang)到(dao)(dao)(dao)報警裝(zhuang)(zhuang)置附近(jin)，看(kan)(kan)(kan)報警裝(zhuang)(zhuang)置是(shi)(shi)(shi)(shi)否(fou)(fou)(fou)(fou)(fou)(fou)(fou)(fou)靈敏(min)，在(zai)(zai)報警提示的(de)(de)(de)(de)(de)(de)(de)(de)同(tong)時(shi)(shi)(shi)(shi)(shi)(shi)(shi)關(guan)(guan)(guan)閉進氣(qi)電(dian)(dian)磁閥。這時(shi)(shi)(shi)(shi)(shi)(shi)(shi)如(ru)(ru)(ru)(ru)果(guo)(guo)只有(you)(you)(you)(you)(you)(you)聲(sheng)音不(bu)(bu)(bu)(bu)能(neng)(neng)(neng)動(dong)(dong)作(zuo)，須及(ji)(ji)時(shi)(shi)(shi)(shi)(shi)(shi)(shi)修(xiu)(xiu)復。四(si)(si)(si)、檢(jian)(jian)(jian)(jian)(jian)(jian)(jian)查(cha)(cha)(cha)是(shi)(shi)(shi)(shi)否(fou)(fou)(fou)(fou)(fou)(fou)(fou)(fou)空(kong)(kong)鼓(gu)   將(jiang)伸(shen)縮響(xiang)鼓(gu)錘墊上(shang)(shang)(shang)(shang)幾層紙(避免留(liu)(liu)下(xia)(xia)錘印(yin))敲擊(ji)墻(qiang)(qiang)(qiang)(qiang)(qiang)壁(bi)(bi)，以檢(jian)(jian)(jian)(jian)(jian)(jian)(jian)查(cha)(cha)(cha)墻(qiang)(qiang)(qiang)(qiang)(qiang)面(mian)(mian)(mian)(mian)是(shi)(shi)(shi)(shi)否(fou)(fou)(fou)(fou)(fou)(fou)(fou)(fou)存在(zai)(zai)空(kong)(kong)鼓(gu)現(xian)(xian)(xian)(xian)象。如(ru)(ru)(ru)(ru)果(guo)(guo)空(kong)(kong)鼓(gu)的(de)(de)(de)(de)(de)(de)(de)(de)話，可(ke)能(neng)(neng)(neng)會(hui)有(you)(you)(you)(you)(you)(you)整(zheng)體面(mian)(mian)(mian)(mian)層脫落或(huo)(huo)者說開(kai)(kai)(kai)(kai)(kai)裂這樣(yang)的(de)(de)(de)(de)(de)(de)(de)(de)風(feng)(feng)險。則(ze)(ze)必須要(yao)(yao)(yao)(yao)加以重視(shi)。五(wu)、驗(yan)電(dian)(dian)1.檢(jian)(jian)(jian)(jian)(jian)(jian)(jian)查(cha)(cha)(cha)插(cha)(cha)座(zuo)(zuo)(zuo)：　五(wu)孔插(cha)(cha)座(zuo)(zuo)(zuo)上(shang)(shang)(shang)(shang)分(fen)別插(cha)(cha)上(shang)(shang)(shang)(shang)帶有(you)(you)(you)(you)(you)(you)指(zhi)示燈(deng)(deng)的(de)(de)(de)(de)(de)(de)(de)(de)排(pai)(pai)插(cha)(cha)，燈(deng)(deng)亮(liang)，表示有(you)(you)(you)(you)(you)(you)電(dian)(dian)。此時(shi)(shi)(shi)(shi)(shi)(shi)(shi)拉下(xia)(xia)總開(kai)(kai)(kai)(kai)(kai)關(guan)(guan)(guan)箱內的(de)(de)(de)(de)(de)(de)(de)(de)插(cha)(cha)座(zuo)(zuo)(zuo)開(kai)(kai)(kai)(kai)(kai)關(guan)(guan)(guan)，指(zhi)示燈(deng)(deng)滅，頻(pin)繁測試(shi)(shi)幾次證(zheng)明(ming)(ming)開(kai)(kai)(kai)(kai)(kai)關(guan)(guan)(guan)、接線良(liang)好，說明(ming)(ming)插(cha)(cha)座(zuo)(zuo)(zuo)安全(quan)。如(ru)(ru)(ru)(ru)果(guo)(guo)開(kai)(kai)(kai)(kai)(kai)關(guan)(guan)(guan)拉下(xia)(xia)，插(cha)(cha)座(zuo)(zuo)(zuo)指(zhi)示燈(deng)(deng)仍亮(liang)或(huo)(huo)在(zai)(zai)閃爍(shuo)，說明(ming)(ming)開(kai)(kai)(kai)(kai)(kai)關(guan)(guan)(guan)質量有(you)(you)(you)(you)(you)(you)問題或(huo)(huo)接線有(you)(you)(you)(you)(you)(you)誤，要(yao)(yao)(yao)(yao)立刻修(xiu)(xiu)復，否(fou)(fou)(fou)(fou)(fou)(fou)(fou)(fou)則(ze)(ze)誤觸電(dian)(dian)時(shi)(shi)(shi)(shi)(shi)(shi)(shi)無(wu)法(fa)及(ji)(ji)時(shi)(shi)(shi)(shi)(shi)(shi)(shi)斷(duan)電(dian)(dian)會(hui)危(wei)及(ji)(ji)生(sheng)(sheng)(sheng)(sheng)(sheng)(sheng)命。插(cha)(cha)座(zuo)(zuo)(zuo)還應(ying)用(yong)(yong)(yong)(yong)搖表來(lai)測試(shi)(shi)對(dui)地絕(jue)緣情(qing)況是(shi)(shi)(shi)(shi)否(fou)(fou)(fou)(fou)(fou)(fou)(fou)(fou)良(liang)好。2.開(kai)(kai)(kai)(kai)(kai)關(guan)(guan)(guan)箱內的(de)(de)(de)(de)(de)(de)(de)(de)個(ge)分(fen)路開(kai)(kai)(kai)(kai)(kai)關(guan)(guan)(guan)應(ying)有(you)(you)(you)(you)(you)(you)明(ming)(ming)顯的(de)(de)(de)(de)(de)(de)(de)(de)標示，如(ru)(ru)(ru)(ru)果(guo)(guo)沒有(you)(you)(you)(you)(you)(you)或(huo)(huo)不(bu)(bu)(bu)(bu)明(ming)(ming)確，應(ying)立刻處理。3.開(kai)(kai)(kai)(kai)(kai)關(guan)(guan)(guan)箱內開(kai)(kai)(kai)(kai)(kai)關(guan)(guan)(guan)應(ying)安裝(zhuang)(zhuang)牢固(gu)(gu)，每個(ge)都(dou)(dou)(dou)要(yao)(yao)(yao)(yao)用(yong)(yong)(yong)(yong)力左右(you)晃動(dong)(dong)檢(jian)(jian)(jian)(jian)(jian)(jian)(jian)查(cha)(cha)(cha)，如(ru)(ru)(ru)(ru)果(guo)(guo)發現(xian)(xian)(xian)(xian)松動(dong)(dong)，應(ying)緊固(gu)(gu)或(huo)(huo)更換。否(fou)(fou)(fou)(fou)(fou)(fou)(fou)(fou)則(ze)(ze)日(ri)后(hou)(hou)在(zai)(zai)使(shi)(shi)(shi)用(yong)(yong)(yong)(yong)中出(chu)(chu)現(xian)(xian)(xian)(xian)打火(huo)(huo)接觸不(bu)(bu)(bu)(bu)良(liang)現(xian)(xian)(xian)(xian)象時(shi)(shi)(shi)(shi)(shi)(shi)(shi)，會(hui)造成(cheng)更大的(de)(de)(de)(de)(de)(de)(de)(de)危(wei)險。4.檢(jian)(jian)(jian)(jian)(jian)(jian)(jian)查(cha)(cha)(cha)有(you)(you)(you)(you)(you)(you)線電(dian)(dian)視(shi)插(cha)(cha)座(zuo)(zuo)(zuo)、寬(kuan)帶插(cha)(cha)座(zuo)(zuo)(zuo)，看(kan)(kan)(kan)插(cha)(cha)頭插(cha)(cha)進去有(you)(you)(you)(you)(you)(you)無(wu)松動(dong)(dong)或(huo)(huo)是(shi)(shi)(shi)(shi)否(fou)(fou)(fou)(fou)(fou)(fou)(fou)(fou)有(you)(you)(you)(you)(you)(you)插(cha)(cha)頭插(cha)(cha)不(bu)(bu)(bu)(bu)進去的(de)(de)(de)(de)(de)(de)(de)(de)現(xian)(xian)(xian)(xian)象。六(liu)、檢(jian)(jian)(jian)(jian)(jian)(jian)(jian)查(cha)(cha)(cha)貓眼 入戶(hu)后(hou)(hou)觀(guan)察貓眼是(shi)(shi)(shi)(shi)否(fou)(fou)(fou)(fou)(fou)(fou)(fou)(fou)松動(dong)(dong)、視(shi)野(ye)是(shi)(shi)(shi)(shi)否(fou)(fou)(fou)(fou)(fou)(fou)(fou)(fou)不(bu)(bu)(bu)(bu)全(quan)或(huo)(huo)因有(you)(you)(you)(you)(you)(you)異物無(wu)法(fa)看(kan)(kan)(kan)清楚等情(qing)況。七(qi)、測高度(du)　用(yong)(yong)(yong)(yong)盒(he)尺(chi)檢(jian)(jian)(jian)(jian)(jian)(jian)(jian)查(cha)(cha)(cha)房(fang)(fang)(fang)頂(ding)，取(qu)4~5個(ge)點(dian)(dian)進行測量，若(ruo)數值一(yi)(yi)(yi)(yi)(yi)(yi)致(zhi)，比如(ru)(ru)(ru)(ru)房(fang)(fang)(fang)高均為2.5米(或(huo)(huo)者2.6米)，說明(ming)(ming)房(fang)(fang)(fang)頂(ding)沒有(you)(you)(you)(you)(you)(you)傾斜(xie)。八、測墻(qiang)(qiang)(qiang)(qiang)(qiang)壁(bi)(bi)地面(mian)(mian)(mian)(mian)  用(yong)(yong)(yong)(yong)長尺(chi)(或(huo)(huo)者帶有(you)(you)(you)(you)(you)(you)水(shui)(shui)平(ping)的(de)(de)(de)(de)(de)(de)(de)(de)專用(yong)(yong)(yong)(yong)直尺(chi))靠墻(qiang)(qiang)(qiang)(qiang)(qiang)壁(bi)(bi)地面(mian)(mian)(mian)(mian)，檢(jian)(jian)(jian)(jian)(jian)(jian)(jian)查(cha)(cha)(cha)是(shi)(shi)(shi)(shi)否(fou)(fou)(fou)(fou)(fou)(fou)(fou)(fou)平(ping)整(zheng)，同(tong)時(shi)(shi)(shi)(shi)(shi)(shi)(shi)觀(guan)察是(shi)(shi)(shi)(shi)否(fou)(fou)(fou)(fou)(fou)(fou)(fou)(fou)有(you)(you)(you)(you)(you)(you)劃(hua)痕、裂紋，墻(qiang)(qiang)(qiang)(qiang)(qiang)面(mian)(mian)(mian)(mian)是(shi)(shi)(shi)(shi)否(fou)(fou)(fou)(fou)(fou)(fou)(fou)(fou)有(you)(you)(you)(you)(you)(you)爆點(dian)(dian)(生(sheng)(sheng)(sheng)(sheng)(sheng)(sheng)石(shi)灰在(zai)(zai)生(sheng)(sheng)(sheng)(sheng)(sheng)(sheng)成(cheng)熟(shu)石(shi)灰時(shi)(shi)(shi)(shi)(shi)(shi)(shi)因攪拌不(bu)(bu)(bu)(bu)勻沒發好，抹在(zai)(zai)墻(qiang)(qiang)(qiang)(qiang)(qiang)上(shang)(shang)(shang)(shang)干后(hou)(hou)就(jiu)(jiu)(jiu)會(hui)形成(cheng)爆點(dian)(dian))。九(jiu)、測乳膠漆(qi)質量　墻(qiang)(qiang)(qiang)(qiang)(qiang)面(mian)(mian)(mian)(mian)天花板是(shi)(shi)(shi)(shi)否(fou)(fou)(fou)(fou)(fou)(fou)(fou)(fou)平(ping)整(zheng)，周圍(wei)光線暗時(shi)(shi)(shi)(shi)(shi)(shi)(shi)自己帶大功率燈(deng)(deng)泡(200w)照射，燈(deng)(deng)一(yi)(yi)(yi)(yi)(yi)(yi)亮(liang)，墻(qiang)(qiang)(qiang)(qiang)(qiang)壁(bi)(bi)天花板是(shi)(shi)(shi)(shi)否(fou)(fou)(fou)(fou)(fou)(fou)(fou)(fou)平(ping)整(zheng)通過(guo)光線陰暗立刻就(jiu)(jiu)(jiu)能(neng)(neng)(neng)看(kan)(kan)(kan)出(chu)(chu)。如(ru)(ru)(ru)(ru)果(guo)(guo)不(bu)(bu)(bu)(bu)平(ping)，要(yao)(yao)(yao)(yao)提出(chu)(chu)重新補(bu)(bu)膩子刷油漆(qi)，如(ru)(ru)(ru)(ru)果(guo)(guo)局部(bu)剛剛修(xiu)(xiu)補(bu)(bu)過(guo)會(hui)與(yu)墻(qiang)(qiang)(qiang)(qiang)(qiang)壁(bi)(bi)原色產生(sheng)(sheng)(sheng)(sheng)(sheng)(sheng)差異。十(shi)(shi)、檢(jian)(jian)(jian)(jian)(jian)(jian)(jian)查(cha)(cha)(cha)門(men)(men)(men)(men)(men)(men)(men)上(shang)(shang)(shang)(shang)的(de)(de)(de)(de)(de)(de)(de)(de)油漆(qi)　用(yong)(yong)(yong)(yong)鏡子放(fang)到(dao)(dao)(dao)門(men)(men)(men)(men)(men)(men)(men)頂(ding)部(bu)和(he)(he)(he)門(men)(men)(men)(men)(men)(men)(men)底(di)部(bu)，檢(jian)(jian)(jian)(jian)(jian)(jian)(jian)查(cha)(cha)(cha)這些(xie)平(ping)時(shi)(shi)(shi)(shi)(shi)(shi)(shi)看(kan)(kan)(kan)不(bu)(bu)(bu)(bu)到(dao)(dao)(dao)的(de)(de)(de)(de)(de)(de)(de)(de)地方(fang)(fang)是(shi)(shi)(shi)(shi)否(fou)(fou)(fou)(fou)(fou)(fou)(fou)(fou)刷過(guo)油漆(qi)。如(ru)(ru)(ru)(ru)果(guo)(guo)衛(wei)生(sheng)(sheng)(sheng)(sheng)(sheng)(sheng)間(jian)(jian)(jian)門(men)(men)(men)(men)(men)(men)(men)底(di)部(bu)的(de)(de)(de)(de)(de)(de)(de)(de)油漆(qi)沒有(you)(you)(you)(you)(you)(you)刷全(quan)，時(shi)(shi)(shi)(shi)(shi)(shi)(shi)間(jian)(jian)(jian)一(yi)(yi)(yi)(yi)(yi)(yi)長，因環境潮濕(shi)，衛(wei)生(sheng)(sheng)(sheng)(sheng)(sheng)(sheng)間(jian)(jian)(jian)的(de)(de)(de)(de)(de)(de)(de)(de)使(shi)(shi)(shi)用(yong)(yong)(yong)(yong)率又高，會(hui)使(shi)(shi)(shi)門(men)(men)(men)(men)(men)(men)(men)底(di)部(bu)過(guo)早(zao)腐(fu)爛(lan)損壞(huai)。十(shi)(shi)一(yi)(yi)(yi)(yi)(yi)(yi)、檢(jian)(jian)(jian)(jian)(jian)(jian)(jian)查(cha)(cha)(cha)樓(lou)(lou)道(dao)(dao)(dao)(dao)(dao)窗(chuang)(chuang)(chuang)(chuang)戶(hu)  看(kan)(kan)(kan)樓(lou)(lou)道(dao)(dao)(dao)(dao)(dao)窗(chuang)(chuang)(chuang)(chuang)戶(hu)是(shi)(shi)(shi)(shi)否(fou)(fou)(fou)(fou)(fou)(fou)(fou)(fou)有(you)(you)(you)(you)(you)(you)紗窗(chuang)(chuang)(chuang)(chuang)，如(ru)(ru)(ru)(ru)果(guo)(guo)沒有(you)(you)(you)(you)(you)(you)，應(ying)及(ji)(ji)時(shi)(shi)(shi)(shi)(shi)(shi)(shi)提出(chu)(chu)補(bu)(bu)上(shang)(shang)(shang)(shang)。十(shi)(shi)二、檢(jian)(jian)(jian)(jian)(jian)(jian)(jian)查(cha)(cha)(cha)防(fang)盜(dao)門(men)(men)(men)(men)(men)(men)(men)  檢(jian)(jian)(jian)(jian)(jian)(jian)(jian)查(cha)(cha)(cha)防(fang)盜(dao)門(men)(men)(men)(men)(men)(men)(men)有(you)(you)(you)(you)(you)(you)無(wu)劃(hua)痕，門(men)(men)(men)(men)(men)(men)(men)邊是(shi)(shi)(shi)(shi)否(fou)(fou)(fou)(fou)(fou)(fou)(fou)(fou)變(bian)形，門(men)(men)(men)(men)(men)(men)(men)與(yu)框(kuang)的(de)(de)(de)(de)(de)(de)(de)(de)密(mi)封是(shi)(shi)(shi)(shi)否(fou)(fou)(fou)(fou)(fou)(fou)(fou)(fou)嚴(yan)密(mi)，同(tong)時(shi)(shi)(shi)(shi)(shi)(shi)(shi)門(men)(men)(men)(men)(men)(men)(men)和(he)(he)(he)鎖開(kai)(kai)(kai)(kai)(kai)關(guan)(guan)(guan)應(ying)靈活。十(shi)(shi)三(san)、檢(jian)(jian)(jian)(jian)(jian)(jian)(jian)查(cha)(cha)(cha)門(men)(men)(men)(men)(men)(men)(men)窗(chuang)(chuang)(chuang)(chuang)的(de)(de)(de)(de)(de)(de)(de)(de)密(mi)封性  用(yong)(yong)(yong)(yong)一(yi)(yi)(yi)(yi)(yi)(yi)長紙條放(fang)在(zai)(zai)密(mi)封點(dian)(dian)上(shang)(shang)(shang)(shang)，關(guan)(guan)(guan)門(men)(men)(men)(men)(men)(men)(men)壓(ya)住紙條用(yong)(yong)(yong)(yong)力抽出(chu)(chu)，多次試(shi)(shi)驗(yan)看(kan)(kan)(kan)密(mi)封條的(de)(de)(de)(de)(de)(de)(de)(de)壓(ya)力是(shi)(shi)(shi)(shi)否(fou)(fou)(fou)(fou)(fou)(fou)(fou)(fou)均勻。 十(shi)(shi)四(si)(si)(si)、檢(jian)(jian)(jian)(jian)(jian)(jian)(jian)查(cha)(cha)(cha)窗(chuang)(chuang)(chuang)(chuang)戶(hu)　推拉窗(chuang)(chuang)(chuang)(chuang)上(shang)(shang)(shang)(shang)的(de)(de)(de)(de)(de)(de)(de)(de)紗窗(chuang)(chuang)(chuang)(chuang)和(he)(he)(he)窗(chuang)(chuang)(chuang)(chuang)扇，應(ying)推動(dong)(dong)靈活，相(xiang)互無(wu)碰撞才對(dui)。窗(chuang)(chuang)(chuang)(chuang)戶(hu)的(de)(de)(de)(de)(de)(de)(de)(de)外窗(chuang)(chuang)(chuang)(chuang)框(kuang)上(shang)(shang)(shang)(shang)應(ying)有(you)(you)(you)(you)(you)(you)防(fang)堵(du)帽，防(fang)止異物堵(du)塞影(ying)響(xiang)排(pai)(pai)水(shui)(shui)，導致(zhi)下(xia)(xia)雨(yu)時(shi)(shi)(shi)(shi)(shi)(shi)(shi)窗(chuang)(chuang)(chuang)(chuang)戶(hu)進水(shui)(shui)。雙層玻璃里外都(dou)(dou)(dou)擦不(bu)(bu)(bu)(bu)干凈時(shi)(shi)(shi)(shi)(shi)(shi)(shi)應(ying)提出(chu)(chu)拆(chai)換玻璃，否(fou)(fou)(fou)(fou)(fou)(fou)(fou)(fou)則(ze)(ze)以后(hou)(hou)就(jiu)(jiu)(jiu)更不(bu)(bu)(bu)(bu)容易解決了。 十(shi)(shi)五(wu)、檢(jian)(jian)(jian)(jian)(jian)(jian)(jian)查(cha)(cha)(cha)管(guan)道(dao)(dao)(dao)(dao)(dao)安裝(zhuang)(zhuang)、排(pai)(pai)水(shui)(shui)和(he)(he)(he)密(mi)封　用(yong)(yong)(yong)(yong)手(shou)使(shi)(shi)(shi)勁晃動(dong)(dong)暖(nuan)(nuan)(nuan)氣(qi)管(guan)和(he)(he)(he)上(shang)(shang)(shang)(shang)水(shui)(shui)管(guan)，應(ying)固(gu)(gu)定(ding)牢固(gu)(gu)。如(ru)(ru)(ru)(ru)果(guo)(guo)松動(dong)(dong)，應(ying)重新固(gu)(gu)定(ding)。打開(kai)(kai)(kai)(kai)(kai)水(shui)(shui)閥看(kan)(kan)(kan)排(pai)(pai)水(shui)(shui)是(shi)(shi)(shi)(shi)否(fou)(fou)(fou)(fou)(fou)(fou)(fou)(fou)流暢(chang)(因為下(xia)(xia)水(shui)(shui)管(guan)有(you)(you)(you)(you)(you)(you)可(ke)能(neng)(neng)(neng)被建筑垃(la)(la)圾(ji)堵(du)塞)，放(fang)水(shui)(shui)的(de)(de)(de)(de)(de)(de)(de)(de)同(tong)時(shi)(shi)(shi)(shi)(shi)(shi)(shi)用(yong)(yong)(yong)(yong)衛(wei)生(sheng)(sheng)(sheng)(sheng)(sheng)(sheng)紙擦拭上(shang)(shang)(shang)(shang)下(xia)(xia)管(guan)道(dao)(dao)(dao)(dao)(dao)，看(kan)(kan)(kan)底(di)部(bu)有(you)(you)(you)(you)(you)(you)無(wu)滲漏(lou)(lou)。 十(shi)(shi)六(liu)、檢(jian)(jian)(jian)(jian)(jian)(jian)(jian)查(cha)(cha)(cha)廚(chu)房(fang)(fang)(fang)和(he)(he)(he)衛(wei)生(sheng)(sheng)(sheng)(sheng)(sheng)(sheng)間(jian)(jian)(jian)的(de)(de)(de)(de)(de)(de)(de)(de)瓷(ci)磚(zhuan)(zhuan)　廚(chu)房(fang)(fang)(fang)和(he)(he)(he)衛(wei)生(sheng)(sheng)(sheng)(sheng)(sheng)(sheng)間(jian)(jian)(jian)的(de)(de)(de)(de)(de)(de)(de)(de)瓷(ci)磚(zhuan)(zhuan)是(shi)(shi)(shi)(shi)到(dao)(dao)(dao)頂(ding)的(de)(de)(de)(de)(de)(de)(de)(de)，要(yao)(yao)(yao)(yao)檢(jian)(jian)(jian)(jian)(jian)(jian)(jian)查(cha)(cha)(cha)陰角陽(yang)角是(shi)(shi)(shi)(shi)否(fou)(fou)(fou)(fou)(fou)(fou)(fou)(fou)達90度(du)，四(si)(si)(si)角應(ying)無(wu)磕碰(房(fang)(fang)(fang)頂(ding)四(si)(si)(si)角和(he)(he)(he)地面(mian)(mian)(mian)(mian)四(si)(si)(si)角)，地磚(zhuan)(zhuan)墻(qiang)(qiang)(qiang)(qiang)(qiang)磚(zhuan)(zhuan)是(shi)(shi)(shi)(shi)否(fou)(fou)(fou)(fou)(fou)(fou)(fou)(fou)變(bian)形開(kai)(kai)(kai)(kai)(kai)裂和(he)(he)(he)空(kong)(kong)鼓(gu)。用(yong)(yong)(yong)(yong)小錘敲擊(ji)地磚(zhuan)(zhuan)和(he)(he)(he)墻(qiang)(qiang)(qiang)(qiang)(qiang)磚(zhuan)(zhuan)，聽到(dao)(dao)(dao)有(you)(you)(you)(you)(you)(you)空(kong)(kong)洞的(de)(de)(de)(de)(de)(de)(de)(de)聲(sheng)音，說明(ming)(ming)沒有(you)(you)(you)(you)(you)(you)鋪設(she)好，這樣(yang)時(shi)(shi)(shi)(shi)(shi)(shi)(shi)間(jian)(jian)(jian)久了可(ke)能(neng)(neng)(neng)會(hui)出(chu)(chu)現(xian)(xian)(xian)(xian)瓷(ci)磚(zhuan)(zhuan)開(kai)(kai)(kai)(kai)(kai)裂和(he)(he)(he)脫落，應(ying)重新鋪設(she)。十(shi)(shi)七(qi)、做閉水(shui)(shui)試(shi)(shi)驗(yan)　將(jiang)廚(chu)房(fang)(fang)(fang)、衛(wei)生(sheng)(sheng)(sheng)(sheng)(sheng)(sheng)間(jian)(jian)(jian)的(de)(de)(de)(de)(de)(de)(de)(de)地漏(lou)(lou)塞住(可(ke)用(yong)(yong)(yong)(yong)膠袋裝(zhuang)(zhuang)上(shang)(shang)(shang)(shang)沙土(tu)封閉)，同(tong)時(shi)(shi)(shi)(shi)(shi)(shi)(shi)在(zai)(zai)地漏(lou)(lou)邊上(shang)(shang)(shang)(shang)和(he)(he)(he)門(men)(men)(men)(men)(men)(men)(men)口(kou)砌一(yi)(yi)(yi)(yi)(yi)(yi)個(ge)小墩以隔水(shui)(shui)，在(zai)(zai)室內注(zhu)不(bu)(bu)(bu)(bu)低于2厘米深的(de)(de)(de)(de)(de)(de)(de)(de)水(shui)(shui)，經過(guo)24小時(shi)(shi)(shi)(shi)(shi)(shi)(shi)后(hou)(hou)看(kan)(kan)(kan)樓(lou)(lou)下(xia)(xia)是(shi)(shi)(shi)(shi)否(fou)(fou)(fou)(fou)(fou)(fou)(fou)(fou)漏(lou)(lou)水(shui)(shui)。如(ru)(ru)(ru)(ru)果(guo)(guo)有(you)(you)(you)(you)(you)(you)滲漏(lou)(lou)情(qing)況，應(ying)立即(ji)告知(zhi)物業，要(yao)(yao)(yao)(yao)求(qiu)維修(xiu)(xiu)。  十(shi)(shi)八、檢(jian)(jian)(jian)(jian)(jian)(jian)(jian)查(cha)(cha)(cha)衛(wei)生(sheng)(sheng)(sheng)(sheng)(sheng)(sheng)間(jian)(jian)(jian)   衛(wei)生(sheng)(sheng)(sheng)(sheng)(sheng)(sheng)間(jian)(jian)(jian)如(ru)(ru)(ru)(ru)果(guo)(guo)在(zai)(zai)樓(lou)(lou)道(dao)(dao)(dao)(dao)(dao)內且有(you)(you)(you)(you)(you)(you)窗(chuang)(chuang)(chuang)(chuang)戶(hu)，應(ying)該安裝(zhuang)(zhuang)防(fang)盜(dao)網；如(ru)(ru)(ru)(ru)若(ruo)沒有(you)(you)(you)(you)(you)(you)窗(chuang)(chuang)(chuang)(chuang)戶(hu)，則(ze)(ze)應(ying)有(you)(you)(you)(you)(you)(you)通風(feng)(feng)孔。通風(feng)(feng)孔設(she)在(zai)(zai)吊頂(ding)下(xia)(xia)面(mian)(mian)(mian)(mian)。離通風(feng)(feng)孔＊近(jin)的(de)(de)(de)(de)(de)(de)(de)(de)插(cha)(cha)座(zuo)(zuo)(zuo)一(yi)(yi)(yi)(yi)(yi)(yi)定(ding)要(yao)(yao)(yao)(yao)是(shi)(shi)(shi)(shi)防(fang)水(shui)(shui)插(cha)(cha)座(zuo)(zuo)(zuo)。十(shi)(shi)九(jiu)、檢(jian)(jian)(jian)(jian)(jian)(jian)(jian)查(cha)(cha)(cha)暖(nuan)(nuan)(nuan)氣(qi)片(pian)(pian)(pian)(pian)　暖(nuan)(nuan)(nuan)氣(qi)片(pian)(pian)(pian)(pian)上(shang)(shang)(shang)(shang)方(fang)(fang)應(ying)有(you)(you)(you)(you)(you)(you)排(pai)(pai)氣(qi)孔，使(shi)(shi)(shi)用(yong)(yong)(yong)(yong)時(shi)(shi)(shi)(shi)(shi)(shi)(shi)應(ying)可(ke)以擰動(dong)(dong)將(jiang)氣(qi)體排(pai)(pai)掉。如(ru)(ru)(ru)(ru)果(guo)(guo)擰不(bu)(bu)(bu)(bu)動(dong)(dong)就(jiu)(jiu)(jiu)需(xu)要(yao)(yao)(yao)(yao)修(xiu)(xiu)理，否(fou)(fou)(fou)(fou)(fou)(fou)(fou)(fou)則(ze)(ze)氣(qi)排(pai)(pai)不(bu)(bu)(bu)(bu)出(chu)(chu)來(lai)，暖(nuan)(nuan)(nuan)氣(qi)片(pian)(pian)(pian)(pian)不(bu)(bu)(bu)(bu)熱;暖(nuan)(nuan)(nuan)氣(qi)片(pian)(pian)(pian)(pian)安裝(zhuang)(zhuang)時(shi)(shi)(shi)(shi)(shi)(shi)(shi)進水(shui)(shui)管(guan)和(he)(he)(he)回水(shui)(shui)管(guan)的(de)(de)(de)(de)(de)(de)(de)(de)坡度(du)要(yao)(yao)(yao)(yao)符合(he)要(yao)(yao)(yao)(yao)求(qiu)，否(fou)(fou)(fou)(fou)(fou)(fou)(fou)(fou)則(ze)(ze)會(hui)影(ying)響(xiang)采(cai)暖(nuan)(nuan)(nuan)。

房貸實施新規 多家銀行個人按揭額度收緊:有銀行放款“無限期”[房(fang)產百(bai)科(ke)]

房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)貸(dai)(dai)(dai)(dai)(dai)實(shi)施(shi)(shi)新(xin)(xin)規(gui) 多(duo)家(jia)銀(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)個(ge)(ge)(ge)(ge)人(ren)(ren)(ren)(ren)(ren)按(an)(an)揭額(e)度(du)(du)(du)(du)(du)收緊(jin)(jin)(jin)(jin)(jin) 每(mei)經記(ji)(ji)(ji)者(zhe)(zhe)實(shi)探滬(hu)深(shen)兩地(di)(di)(di)(di)(di)(di)(di)(di)(di)(di)(di)：有(you)(you)銀(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)＊早3月(yue)(yue)放(fang)(fang)(fang)(fang)款(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)，有(you)(you)銀(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)“無(wu)限(xian)(xian)(xian)(xian)期(qi)(qi)(qi)(qi)”每(mei)日經濟(ji)新(xin)(xin)聞每(mei)經記(ji)(ji)(ji)者(zhe)(zhe) 胡琳 李(li)玉(yu)雯????每(mei)經編輯 廖丹(dan)????在(zai)2020年(nian)(nian)(nian)(nian)(nian)＊后(hou)(hou)(hou)一(yi)(yi)(yi)天(tian)，人(ren)(ren)(ren)(ren)(ren)民銀(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)、銀(yin)(yin)(yin)保監(jian)(jian)會(hui)(hui)聯手放(fang)(fang)(fang)(fang)出(chu)(chu)大招(zhao)(zhao)(zhao)，《關于(yu)(yu)(yu)建(jian)(jian)立銀(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)業(ye)(ye)(ye)(ye)(ye)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)機(ji)(ji)(ji)(ji)構房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)地(di)(di)(di)(di)(di)(di)(di)(di)(di)(di)(di)產(chan)(chan)(chan)(chan)(chan)貸(dai)(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)集中(zhong)度(du)(du)(du)(du)(du)管(guan)(guan)(guan)(guan)理(li)(li)制(zhi)(zhi)度(du)(du)(du)(du)(du)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)通(tong)知(zhi)(zhi)》重磅出(chu)(chu)臺。1月(yue)(yue)15日，央行(xing)(xing)(xing)(xing)(xing)(xing)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)市(shi)(shi)場(chang)司(si)司(si)長(chang)鄒(zou)瀾在(zai)2020年(nian)(nian)(nian)(nian)(nian)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)統計(ji)數據新(xin)(xin)聞發(fa)(fa)(fa)(fa)(fa)(fa)(fa)布會(hui)(hui)上(shang)(shang)(shang)表(biao)(biao)(biao)(biao)(biao)示(shi)，近(jin)年(nian)(nian)(nian)(nian)(nian)來(lai)(lai)(lai)(lai)，人(ren)(ren)(ren)(ren)(ren)民銀(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)堅(jian)持(chi)“房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)子是(shi)(shi)(shi)(shi)(shi)(shi)(shi)(shi)(shi)用來(lai)(lai)(lai)(lai)住(zhu)(zhu)(zhu)(zhu)(zhu)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)，不(bu)(bu)(bu)是(shi)(shi)(shi)(shi)(shi)(shi)(shi)(shi)(shi)用來(lai)(lai)(lai)(lai)炒(chao)(chao)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)”定(ding)(ding)(ding)(ding)位(wei)(wei)，緊(jin)(jin)(jin)(jin)(jin)緊(jin)(jin)(jin)(jin)(jin)圍繞穩(wen)地(di)(di)(di)(di)(di)(di)(di)(di)(di)(di)(di)價(jia)、穩(wen)房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)價(jia)、穩(wen)預期(qi)(qi)(qi)(qi)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)目標(biao)全面落(luo)實(shi)房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)地(di)(di)(di)(di)(di)(di)(di)(di)(di)(di)(di)產(chan)(chan)(chan)(chan)(chan)長(chang)效(xiao)機(ji)(ji)(ji)(ji)制(zhi)(zhi)，加(jia)強房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)地(di)(di)(di)(di)(di)(di)(di)(di)(di)(di)(di)產(chan)(chan)(chan)(chan)(chan)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)管(guan)(guan)(guan)(guan)理(li)(li)。實(shi)際上(shang)(shang)(shang)，近(jin)年(nian)(nian)(nian)(nian)(nian)來(lai)(lai)(lai)(lai)，政(zheng)策層面一(yi)(yi)(yi)直(zhi)強調(diao)(diao)(diao)(diao)從(cong)嚴(yan)調(diao)(diao)(diao)(diao)控(kong)(kong)(kong)房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)地(di)(di)(di)(di)(di)(di)(di)(di)(di)(di)(di)產(chan)(chan)(chan)(chan)(chan)市(shi)(shi)場(chang)，建(jian)(jian)立房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)地(di)(di)(di)(di)(di)(di)(di)(di)(di)(di)(di)產(chan)(chan)(chan)(chan)(chan)調(diao)(diao)(diao)(diao)控(kong)(kong)(kong)長(chang)效(xiao)機(ji)(ji)(ji)(ji)制(zhi)(zhi)并(bing)防范(fan)過(guo)熱風險。堅(jian)持(chi)“房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)住(zhu)(zhu)(zhu)(zhu)(zhu)不(bu)(bu)(bu)炒(chao)(chao)”的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)定(ding)(ding)(ding)(ding)位(wei)(wei)無(wu)疑(yi)有(you)(you)利(li)(li)(li)于(yu)(yu)(yu)市(shi)(shi)場(chang)主體(ti)形(xing)成(cheng)(cheng)穩(wen)定(ding)(ding)(ding)(ding)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)政(zheng)策預期(qi)(qi)(qi)(qi)，有(you)(you)利(li)(li)(li)于(yu)(yu)(yu)房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)地(di)(di)(di)(di)(di)(di)(di)(di)(di)(di)(di)產(chan)(chan)(chan)(chan)(chan)市(shi)(shi)場(chang)平穩(wen)健(jian)康(kang)可(ke)持(chi)續發(fa)(fa)(fa)(fa)(fa)(fa)(fa)展(zhan)(zhan)。但(dan)同時(shi)(shi)也給相(xiang)關銀(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)業(ye)(ye)(ye)(ye)(ye)務(wu)(wu)戴上(shang)(shang)(shang)了(le)緊(jin)(jin)(jin)(jin)(jin)箍咒。近(jin)期(qi)(qi)(qi)(qi)，《每(mei)日經濟(ji)新(xin)(xin)聞》記(ji)(ji)(ji)者(zhe)(zhe)調(diao)(diao)(diao)(diao)查了(le)上(shang)(shang)(shang)海(hai)(hai)、深(shen)圳(zhen)兩地(di)(di)(di)(di)(di)(di)(di)(di)(di)(di)(di)個(ge)(ge)(ge)(ge)人(ren)(ren)(ren)(ren)(ren)住(zhu)(zhu)(zhu)(zhu)(zhu)房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)貸(dai)(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)情況，發(fa)(fa)(fa)(fa)(fa)(fa)(fa)現(xian)多(duo)家(jia)銀(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)額(e)度(du)(du)(du)(du)(du)收緊(jin)(jin)(jin)(jin)(jin)，甚(shen)者(zhe)(zhe)在(zai)上(shang)(shang)(shang)海(hai)(hai)地(di)(di)(di)(di)(di)(di)(di)(di)(di)(di)(di)區(qu)有(you)(you)股份(fen)行(xing)(xing)(xing)(xing)(xing)(xing)表(biao)(biao)(biao)(biao)(biao)示(shi)放(fang)(fang)(fang)(fang)款(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)時(shi)(shi)間(jian)(jian)無(wu)限(xian)(xian)(xian)(xian)期(qi)(qi)(qi)(qi)。新(xin)(xin)華(hua)社圖有(you)(you)銀(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)放(fang)(fang)(fang)(fang)款(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)時(shi)(shi)間(jian)(jian)“無(wu)限(xian)(xian)(xian)(xian)期(qi)(qi)(qi)(qi)”招(zhao)(zhao)(zhao)商(shang)銀(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)上(shang)(shang)(shang)海(hai)(hai)地(di)(di)(di)(di)(di)(di)(di)(di)(di)(di)(di)區(qu)一(yi)(yi)(yi)支行(xing)(xing)(xing)(xing)(xing)(xing)工(gong)作(zuo)(zuo)人(ren)(ren)(ren)(ren)(ren)員(yuan)(yuan)(yuan)告訴(su)記(ji)(ji)(ji)者(zhe)(zhe)，房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)貸(dai)(dai)(dai)(dai)(dai)新(xin)(xin)規(gui)出(chu)(chu)來(lai)(lai)(lai)(lai)以(yi)(yi)(yi)后(hou)(hou)(hou)，其(qi)所在(zai)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)銀(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)在(zai)房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)貸(dai)(dai)(dai)(dai)(dai)額(e)度(du)(du)(du)(du)(du)上(shang)(shang)(shang)劃得非(fei)常(chang)緊(jin)(jin)(jin)(jin)(jin)，現(xian)在(zai)放(fang)(fang)(fang)(fang)款(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)很(hen)慢，沒(mei)辦(ban)(ban)法(fa)確(que)(que)保時(shi)(shi)效(xiao)。“我(wo)們(men)這(zhe)邊現(xian)在(zai)額(e)度(du)(du)(du)(du)(du)相(xiang)當少(shao)，如(ru)果客戶(hu)決定(ding)(ding)(ding)(ding)現(xian)在(zai)做，我(wo)們(men)不(bu)(bu)(bu)確(que)(que)定(ding)(ding)(ding)(ding)什(shen)么(me)(me)時(shi)(shi)候(hou)能放(fang)(fang)(fang)(fang)款(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)，給到(dao)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)回復只能是(shi)(shi)(shi)(shi)(shi)(shi)(shi)(shi)(shi)無(wu)限(xian)(xian)(xian)(xian)期(qi)(qi)(qi)(qi)。”類似地(di)(di)(di)(di)(di)(di)(di)(di)(di)(di)(di)，興業(ye)(ye)(ye)(ye)(ye)銀(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)上(shang)(shang)(shang)海(hai)(hai)某支行(xing)(xing)(xing)(xing)(xing)(xing)信(xin)(xin)貸(dai)(dai)(dai)(dai)(dai)人(ren)(ren)(ren)(ren)(ren)員(yuan)(yuan)(yuan)表(biao)(biao)(biao)(biao)(biao)示(shi)：“個(ge)(ge)(ge)(ge)人(ren)(ren)(ren)(ren)(ren)首(shou)套房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)目前(qian)(qian)沒(mei)有(you)(you)貸(dai)(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)額(e)度(du)(du)(du)(du)(du)，現(xian)在(zai)放(fang)(fang)(fang)(fang)不(bu)(bu)(bu)了(le)款(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)，起(qi)碼要(yao)到(dao)6月(yue)(yue)份(fen)才能放(fang)(fang)(fang)(fang)款(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)。如(ru)果是(shi)(shi)(shi)(shi)(shi)(shi)(shi)(shi)(shi)二(er)套房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)可(ke)能會(hui)(hui)快一(yi)(yi)(yi)點(dian)，但(dan)是(shi)(shi)(shi)(shi)(shi)(shi)(shi)(shi)(shi)現(xian)在(zai)額(e)度(du)(du)(du)(du)(du)也很(hen)緊(jin)(jin)(jin)(jin)(jin)張(zhang)，什(shen)么(me)(me)時(shi)(shi)候(hou)放(fang)(fang)(fang)(fang)款(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)我(wo)們(men)也不(bu)(bu)(bu)好(hao)說(shuo)。”這(zhe)并(bing)非(fei)個(ge)(ge)(ge)(ge)例，該信(xin)(xin)貸(dai)(dai)(dai)(dai)(dai)人(ren)(ren)(ren)(ren)(ren)員(yuan)(yuan)(yuan)告訴(su)記(ji)(ji)(ji)者(zhe)(zhe)，上(shang)(shang)(shang)海(hai)(hai)地(di)(di)(di)(di)(di)(di)(di)(di)(di)(di)(di)區(qu)該行(xing)(xing)(xing)(xing)(xing)(xing)各(ge)家(jia)網點(dian)基本(ben)都(dou)是(shi)(shi)(shi)(shi)(shi)(shi)(shi)(shi)(shi)同樣的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)情況。記(ji)(ji)(ji)者(zhe)(zhe)從(cong)浦(pu)發(fa)(fa)(fa)(fa)(fa)(fa)(fa)銀(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)上(shang)(shang)(shang)海(hai)(hai)一(yi)(yi)(yi)支行(xing)(xing)(xing)(xing)(xing)(xing)了(le)解(jie)到(dao)，該行(xing)(xing)(xing)(xing)(xing)(xing)每(mei)個(ge)(ge)(ge)(ge)月(yue)(yue)對房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)貸(dai)(dai)(dai)(dai)(dai)會(hui)(hui)控(kong)(kong)(kong)額(e)，目前(qian)(qian)從(cong)受理(li)(li)到(dao)放(fang)(fang)(fang)(fang)款(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)整(zheng)個(ge)(ge)(ge)(ge)過(guo)程需要(yao)一(yi)(yi)(yi)個(ge)(ge)(ge)(ge)多(duo)月(yue)(yue)。“這(zhe)是(shi)(shi)(shi)(shi)(shi)(shi)(shi)(shi)(shi)＊起(qi)碼的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)時(shi)(shi)間(jian)(jian)了(le)，跟以(yi)(yi)(yi)前(qian)(qian)差不(bu)(bu)(bu)多(duo)，我(wo)們(men)還好(hao)一(yi)(yi)(yi)些，本(ben)來(lai)(lai)(lai)(lai)就一(yi)(yi)(yi)直(zhi)在(zai)控(kong)(kong)(kong)（額(e)度(du)(du)(du)(du)(du)），現(xian)在(zai)有(you)(you)些銀(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)（放(fang)(fang)(fang)(fang)款(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)）要(yao)三四個(ge)(ge)(ge)(ge)月(yue)(yue)。”對比(bi)(bi)(bi)(bi)上(shang)(shang)(shang)海(hai)(hai)無(wu)限(xian)(xian)(xian)(xian)期(qi)(qi)(qi)(qi)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)放(fang)(fang)(fang)(fang)款(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)時(shi)(shi)間(jian)(jian)，深(shen)圳(zhen)地(di)(di)(di)(di)(di)(di)(di)(di)(di)(di)(di)區(qu)倒是(shi)(shi)(shi)(shi)(shi)(shi)(shi)(shi)(shi)給了(le)明確(que)(que)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)時(shi)(shi)間(jian)(jian)線。《每(mei)日經濟(ji)新(xin)(xin)聞》采訪了(le)4家(jia)銀(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)二(er)手樓(lou)住(zhu)(zhu)(zhu)(zhu)(zhu)房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)貸(dai)(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)業(ye)(ye)(ye)(ye)(ye)務(wu)(wu)，除了(le)農(nong)業(ye)(ye)(ye)(ye)(ye)銀(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)工(gong)作(zuo)(zuo)人(ren)(ren)(ren)(ren)(ren)員(yuan)(yuan)(yuan)表(biao)(biao)(biao)(biao)(biao)示(shi)具體(ti)放(fang)(fang)(fang)(fang)貸(dai)(dai)(dai)(dai)(dai)時(shi)(shi)間(jian)(jian)不(bu)(bu)(bu)好(hao)說(shuo)以(yi)(yi)(yi)外，工(gong)商(shang)銀(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)、交(jiao)通(tong)銀(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)、招(zhao)(zhao)(zhao)商(shang)銀(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)給出(chu)(chu)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)時(shi)(shi)間(jian)(jian)都(dou)是(shi)(shi)(shi)(shi)(shi)(shi)(shi)(shi)(shi)3月(yue)(yue)可(ke)能會(hui)(hui)放(fang)(fang)(fang)(fang)貸(dai)(dai)(dai)(dai)(dai)下來(lai)(lai)(lai)(lai)。“現(xian)在(zai)如(ru)果你辦(ban)(ban)理(li)(li)，預計(ji)在(zai)3月(yue)(yue)份(fen)放(fang)(fang)(fang)(fang)款(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)。”招(zhao)(zhao)(zhao)商(shang)銀(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)工(gong)作(zuo)(zuo)人(ren)(ren)(ren)(ren)(ren)員(yuan)(yuan)(yuan)補充(chong)道，之后(hou)(hou)(hou)就不(bu)(bu)(bu)確(que)(que)定(ding)(ding)(ding)(ding)了(le)，因(yin)為這(zhe)個(ge)(ge)(ge)(ge)事隨時(shi)(shi)都(dou)會(hui)(hui)變化(hua)(hua)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)。招(zhao)(zhao)(zhao)商(shang)銀(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)工(gong)作(zuo)(zuo)人(ren)(ren)(ren)(ren)(ren)員(yuan)(yuan)(yuan)并(bing)未過(guo)多(duo)透(tou)露(lu)額(e)度(du)(du)(du)(du)(du)緊(jin)(jin)(jin)(jin)(jin)張(zhang)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)原(yuan)(yuan)因(yin)，工(gong)商(shang)銀(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)工(gong)作(zuo)(zuo)人(ren)(ren)(ren)(ren)(ren)員(yuan)(yuan)(yuan)稱(cheng)則(ze)(ze)是(shi)(shi)(shi)(shi)(shi)(shi)(shi)(shi)(shi)因(yin)為月(yue)(yue)底(di)沒(mei)額(e)度(du)(du)(du)(du)(du)加(jia)上(shang)(shang)(shang)過(guo)年(nian)(nian)(nian)(nian)(nian)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)原(yuan)(yuan)因(yin)。“一(yi)(yi)(yi)個(ge)(ge)(ge)(ge)月(yue)(yue)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)樣子吧(ba)，從(cong)你遞(di)資料(liao)、審批到(dao)放(fang)(fang)(fang)(fang)款(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)，一(yi)(yi)(yi)般一(yi)(yi)(yi)個(ge)(ge)(ge)(ge)月(yue)(yue)左右吧(ba)。”記(ji)(ji)(ji)者(zhe)(zhe)進一(yi)(yi)(yi)步詢問是(shi)(shi)(shi)(shi)(shi)(shi)(shi)(shi)(shi)否大概2月(yue)(yue)底(di)能夠放(fang)(fang)(fang)(fang)款(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)，該工(gong)作(zuo)(zuo)人(ren)(ren)(ren)(ren)(ren)員(yuan)(yuan)(yuan)稱(cheng)，估計(ji)要(yao)等3月(yue)(yue)初，一(yi)(yi)(yi)般月(yue)(yue)底(di)沒(mei)有(you)(you)款(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)放(fang)(fang)(fang)(fang)。實(shi)際上(shang)(shang)(shang)，記(ji)(ji)(ji)者(zhe)(zhe)在(zai)去(qu)(qu)年(nian)(nian)(nian)(nian)(nian)年(nian)(nian)(nian)(nian)(nian)末(mo)走訪各(ge)大銀(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)時(shi)(shi)，不(bu)(bu)(bu)少(shao)銀(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)就表(biao)(biao)(biao)(biao)(biao)示(shi)年(nian)(nian)(nian)(nian)(nian)底(di)額(e)度(du)(du)(du)(du)(du)緊(jin)(jin)(jin)(jin)(jin)張(zhang)。這(zhe)一(yi)(yi)(yi)說(shuo)法(fa)也得到(dao)交(jiao)通(tong)銀(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)工(gong)作(zuo)(zuo)人(ren)(ren)(ren)(ren)(ren)員(yuan)(yuan)(yuan)印證，據交(jiao)通(tong)銀(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)工(gong)作(zuo)(zuo)人(ren)(ren)(ren)(ren)(ren)員(yuan)(yuan)(yuan)透(tou)露(lu)，去(qu)(qu)年(nian)(nian)(nian)(nian)(nian)10月(yue)(yue)，部分(fen)(fen)(fen)銀(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)個(ge)(ge)(ge)(ge)人(ren)(ren)(ren)(ren)(ren)住(zhu)(zhu)(zhu)(zhu)(zhu)房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)貸(dai)(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)業(ye)(ye)(ye)(ye)(ye)務(wu)(wu)到(dao)目前(qian)(qian)都(dou)還沒(mei)有(you)(you)放(fang)(fang)(fang)(fang)款(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)。“我(wo)們(men)現(xian)在(zai)放(fang)(fang)(fang)(fang)款(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)沒(mei)那么(me)(me)快的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)。”交(jiao)通(tong)銀(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)工(gong)作(zuo)(zuo)人(ren)(ren)(ren)(ren)(ren)員(yuan)(yuan)(yuan)表(biao)(biao)(biao)(biao)(biao)示(shi)。當記(ji)(ji)(ji)者(zhe)(zhe)問起(qi)3月(yue)(yue)能否放(fang)(fang)(fang)(fang)款(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)時(shi)(shi)，該工(gong)作(zuo)(zuo)人(ren)(ren)(ren)(ren)(ren)員(yuan)(yuan)(yuan)告訴(su)記(ji)(ji)(ji)者(zhe)(zhe)：“3月(yue)(yue)可(ke)能是(shi)(shi)(shi)(shi)(shi)(shi)(shi)(shi)(shi)＊快的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)了(le)，今(jin)年(nian)(nian)(nian)(nian)(nian)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)形(xing)勢(shi)特別嚴(yan)峻，總體(ti)上(shang)(shang)(shang)央行(xing)(xing)(xing)(xing)(xing)(xing)會(hui)(hui)壓(ya)降房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)貸(dai)(dai)(dai)(dai)(dai)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)額(e)度(du)(du)(du)(du)(du)。”堅(jian)持(chi)“房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)住(zhu)(zhu)(zhu)(zhu)(zhu)不(bu)(bu)(bu)炒(chao)(chao)”定(ding)(ding)(ding)(ding)位(wei)(wei)有(you)(you)銀(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)工(gong)作(zuo)(zuo)人(ren)(ren)(ren)(ren)(ren)員(yuan)(yuan)(yuan)提及(ji)，房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)貸(dai)(dai)(dai)(dai)(dai)額(e)度(du)(du)(du)(du)(du)緊(jin)(jin)(jin)(jin)(jin)張(zhang)是(shi)(shi)(shi)(shi)(shi)(shi)(shi)(shi)(shi)受房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)貸(dai)(dai)(dai)(dai)(dai)新(xin)(xin)規(gui)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)影響。在(zai)2020年(nian)(nian)(nian)(nian)(nian)＊后(hou)(hou)(hou)一(yi)(yi)(yi)天(tian)，人(ren)(ren)(ren)(ren)(ren)民銀(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)、銀(yin)(yin)(yin)保監(jian)(jian)會(hui)(hui)聯合(he)(he)放(fang)(fang)(fang)(fang)出(chu)(chu)大招(zhao)(zhao)(zhao)，出(chu)(chu)臺《關于(yu)(yu)(yu)建(jian)(jian)立銀(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)業(ye)(ye)(ye)(ye)(ye)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)機(ji)(ji)(ji)(ji)構房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)地(di)(di)(di)(di)(di)(di)(di)(di)(di)(di)(di)產(chan)(chan)(chan)(chan)(chan)貸(dai)(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)集中(zhong)度(du)(du)(du)(du)(du)管(guan)(guan)(guan)(guan)理(li)(li)制(zhi)(zhi)度(du)(du)(du)(du)(du)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)通(tong)知(zhi)(zhi)》，為銀(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)業(ye)(ye)(ye)(ye)(ye)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)機(ji)(ji)(ji)(ji)構房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)地(di)(di)(di)(di)(di)(di)(di)(di)(di)(di)(di)產(chan)(chan)(chan)(chan)(chan)貸(dai)(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)占(zhan)(zhan)(zhan)比(bi)(bi)(bi)(bi)、個(ge)(ge)(ge)(ge)人(ren)(ren)(ren)(ren)(ren)住(zhu)(zhu)(zhu)(zhu)(zhu)房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)貸(dai)(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)占(zhan)(zhan)(zhan)比(bi)(bi)(bi)(bi)劃定(ding)(ding)(ding)(ding)“紅線”，上(shang)(shang)(shang)述(shu)(shu)通(tong)知(zhi)(zhi)自2021年(nian)(nian)(nian)(nian)(nian)1月(yue)(yue)1日起(qi)實(shi)施(shi)(shi)。按(an)(an)照房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)地(di)(di)(di)(di)(di)(di)(di)(di)(di)(di)(di)產(chan)(chan)(chan)(chan)(chan)貸(dai)(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)集中(zhong)度(du)(du)(du)(du)(du)管(guan)(guan)(guan)(guan)理(li)(li)要(yao)求，房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)地(di)(di)(di)(di)(di)(di)(di)(di)(di)(di)(di)產(chan)(chan)(chan)(chan)(chan)貸(dai)(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)占(zhan)(zhan)(zhan)比(bi)(bi)(bi)(bi)上(shang)(shang)(shang)限(xian)(xian)(xian)(xian)和(he)(he)個(ge)(ge)(ge)(ge)人(ren)(ren)(ren)(ren)(ren)住(zhu)(zhu)(zhu)(zhu)(zhu)房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)貸(dai)(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)占(zhan)(zhan)(zhan)比(bi)(bi)(bi)(bi)上(shang)(shang)(shang)限(xian)(xian)(xian)(xian)分(fen)(fen)(fen)為五(wu)檔(dang)：中(zhong)資大型銀(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)分(fen)(fen)(fen)別是(shi)(shi)(shi)(shi)(shi)(shi)(shi)(shi)(shi)40%和(he)(he)32.5%，中(zhong)資中(zhong)型銀(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)分(fen)(fen)(fen)別是(shi)(shi)(shi)(shi)(shi)(shi)(shi)(shi)(shi)27.5%和(he)(he)20%，中(zhong)資小型銀(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)和(he)(he)非(fei)縣域(yu)農(nong)合(he)(he)機(ji)(ji)(ji)(ji)構分(fen)(fen)(fen)別是(shi)(shi)(shi)(shi)(shi)(shi)(shi)(shi)(shi)22.5%和(he)(he)17.5%，縣域(yu)農(nong)合(he)(he)機(ji)(ji)(ji)(ji)構分(fen)(fen)(fen)別是(shi)(shi)(shi)(shi)(shi)(shi)(shi)(shi)(shi)17.5%和(he)(he)12.5%，村鎮銀(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)分(fen)(fen)(fen)別是(shi)(shi)(shi)(shi)(shi)(shi)(shi)(shi)(shi)12.5%和(he)(he)7.5%。同時(shi)(shi)，“超標(biao)”的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)銀(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)業(ye)(ye)(ye)(ye)(ye)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)機(ji)(ji)(ji)(ji)構則(ze)(ze)須限(xian)(xian)(xian)(xian)期(qi)(qi)(qi)(qi)整(zheng)改。具體(ti)來(lai)(lai)(lai)(lai)看，2020年(nian)(nian)(nian)(nian)(nian)12月(yue)(yue)末(mo)，銀(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)業(ye)(ye)(ye)(ye)(ye)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)機(ji)(ji)(ji)(ji)構房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)地(di)(di)(di)(di)(di)(di)(di)(di)(di)(di)(di)產(chan)(chan)(chan)(chan)(chan)貸(dai)(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)占(zhan)(zhan)(zhan)比(bi)(bi)(bi)(bi)、個(ge)(ge)(ge)(ge)人(ren)(ren)(ren)(ren)(ren)住(zhu)(zhu)(zhu)(zhu)(zhu)房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)貸(dai)(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)占(zhan)(zhan)(zhan)比(bi)(bi)(bi)(bi)超出(chu)(chu)管(guan)(guan)(guan)(guan)理(li)(li)要(yao)求，超出(chu)(chu)2個(ge)(ge)(ge)(ge)百(bai)分(fen)(fen)(fen)點(dian)以(yi)(yi)(yi)內的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)，業(ye)(ye)(ye)(ye)(ye)務(wu)(wu)調(diao)(diao)(diao)(diao)整(zheng)過(guo)渡(du)期(qi)(qi)(qi)(qi)為自上(shang)(shang)(shang)述(shu)(shu)通(tong)知(zhi)(zhi)實(shi)施(shi)(shi)之日起(qi)2年(nian)(nian)(nian)(nian)(nian)；超出(chu)(chu)2個(ge)(ge)(ge)(ge)百(bai)分(fen)(fen)(fen)點(dian)及(ji)以(yi)(yi)(yi)上(shang)(shang)(shang)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)，業(ye)(ye)(ye)(ye)(ye)務(wu)(wu)調(diao)(diao)(diao)(diao)整(zheng)過(guo)渡(du)期(qi)(qi)(qi)(qi)為自上(shang)(shang)(shang)述(shu)(shu)通(tong)知(zhi)(zhi)實(shi)施(shi)(shi)之日起(qi)4年(nian)(nian)(nian)(nian)(nian)。房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)地(di)(di)(di)(di)(di)(di)(di)(di)(di)(di)(di)產(chan)(chan)(chan)(chan)(chan)貸(dai)(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)占(zhan)(zhan)(zhan)比(bi)(bi)(bi)(bi)、個(ge)(ge)(ge)(ge)人(ren)(ren)(ren)(ren)(ren)住(zhu)(zhu)(zhu)(zhu)(zhu)房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)貸(dai)(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)占(zhan)(zhan)(zhan)比(bi)(bi)(bi)(bi)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)業(ye)(ye)(ye)(ye)(ye)務(wu)(wu)調(diao)(diao)(diao)(diao)整(zheng)過(guo)渡(du)期(qi)(qi)(qi)(qi)分(fen)(fen)(fen)別設置。人(ren)(ren)(ren)(ren)(ren)民銀(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)、銀(yin)(yin)(yin)保監(jian)(jian)會(hui)(hui)在(zai)答(da)記(ji)(ji)(ji)者(zhe)(zhe)問中(zhong)表(biao)(biao)(biao)(biao)(biao)示(shi)，建(jian)(jian)立房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)地(di)(di)(di)(di)(di)(di)(di)(di)(di)(di)(di)產(chan)(chan)(chan)(chan)(chan)貸(dai)(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)集中(zhong)度(du)(du)(du)(du)(du)管(guan)(guan)(guan)(guan)理(li)(li)制(zhi)(zhi)度(du)(du)(du)(du)(du)，有(you)(you)利(li)(li)(li)于(yu)(yu)(yu)市(shi)(shi)場(chang)主體(ti)形(xing)成(cheng)(cheng)穩(wen)定(ding)(ding)(ding)(ding)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)政(zheng)策預期(qi)(qi)(qi)(qi)，有(you)(you)利(li)(li)(li)于(yu)(yu)(yu)房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)地(di)(di)(di)(di)(di)(di)(di)(di)(di)(di)(di)產(chan)(chan)(chan)(chan)(chan)市(shi)(shi)場(chang)平穩(wen)健(jian)康(kang)可(ke)持(chi)續發(fa)(fa)(fa)(fa)(fa)(fa)(fa)展(zhan)(zhan)。近(jin)年(nian)(nian)(nian)(nian)(nian)來(lai)(lai)(lai)(lai)，監(jian)(jian)管(guan)(guan)(guan)(guan)對房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)地(di)(di)(di)(di)(di)(di)(di)(di)(di)(di)(di)產(chan)(chan)(chan)(chan)(chan)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)管(guan)(guan)(guan)(guan)控(kong)(kong)(kong)層層加(jia)碼，從(cong)房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)地(di)(di)(di)(di)(di)(di)(di)(di)(di)(di)(di)產(chan)(chan)(chan)(chan)(chan)開發(fa)(fa)(fa)(fa)(fa)(fa)(fa)商(shang)到(dao)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)機(ji)(ji)(ji)(ji)構已(yi)先(xian)后(hou)(hou)(hou)被納入監(jian)(jian)管(guan)(guan)(guan)(guan)。那么(me)(me)，2021年(nian)(nian)(nian)(nian)(nian)房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)地(di)(di)(di)(di)(di)(di)(di)(di)(di)(di)(di)產(chan)(chan)(chan)(chan)(chan)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)政(zheng)策會(hui)(hui)有(you)(you)哪些變化(hua)(hua)？1月(yue)(yue)15日，國新(xin)(xin)辦(ban)(ban)舉行(xing)(xing)(xing)(xing)(xing)(xing)2020年(nian)(nian)(nian)(nian)(nian)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)統計(ji)數據新(xin)(xin)聞發(fa)(fa)(fa)(fa)(fa)(fa)(fa)布會(hui)(hui)。會(hui)(hui)上(shang)(shang)(shang)，央行(xing)(xing)(xing)(xing)(xing)(xing)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)市(shi)(shi)場(chang)司(si)司(si)長(chang)鄒(zou)瀾表(biao)(biao)(biao)(biao)(biao)示(shi)，近(jin)年(nian)(nian)(nian)(nian)(nian)來(lai)(lai)(lai)(lai)，人(ren)(ren)(ren)(ren)(ren)民銀(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)堅(jian)持(chi)“房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)子是(shi)(shi)(shi)(shi)(shi)(shi)(shi)(shi)(shi)用來(lai)(lai)(lai)(lai)住(zhu)(zhu)(zhu)(zhu)(zhu)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)，不(bu)(bu)(bu)是(shi)(shi)(shi)(shi)(shi)(shi)(shi)(shi)(shi)用來(lai)(lai)(lai)(lai)炒(chao)(chao)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)”定(ding)(ding)(ding)(ding)位(wei)(wei)，緊(jin)(jin)(jin)(jin)(jin)緊(jin)(jin)(jin)(jin)(jin)圍繞穩(wen)地(di)(di)(di)(di)(di)(di)(di)(di)(di)(di)(di)價(jia)、穩(wen)房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)價(jia)、穩(wen)預期(qi)(qi)(qi)(qi)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)目標(biao)全面落(luo)實(shi)房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)地(di)(di)(di)(di)(di)(di)(di)(di)(di)(di)(di)產(chan)(chan)(chan)(chan)(chan)長(chang)效(xiao)機(ji)(ji)(ji)(ji)制(zhi)(zhi)，加(jia)強房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)地(di)(di)(di)(di)(di)(di)(di)(di)(di)(di)(di)產(chan)(chan)(chan)(chan)(chan)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)管(guan)(guan)(guan)(guan)理(li)(li)，重點(dian)開展(zhan)(zhan)了(le)幾方(fang)面的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)工(gong)作(zuo)(zuo)。一(yi)(yi)(yi)是(shi)(shi)(shi)(shi)(shi)(shi)(shi)(shi)(shi)加(jia)強了(le)房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)地(di)(di)(di)(di)(di)(di)(di)(di)(di)(di)(di)產(chan)(chan)(chan)(chan)(chan)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)調(diao)(diao)(diao)(diao)控(kong)(kong)(kong)。牽頭(tou)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)部門(men)加(jia)強對各(ge)類資金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)流(liu)入房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)地(di)(di)(di)(di)(di)(di)(di)(di)(di)(di)(di)產(chan)(chan)(chan)(chan)(chan)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)統計(ji)監(jian)(jian)測(ce)(ce)，引導商(shang)業(ye)(ye)(ye)(ye)(ye)銀(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)地(di)(di)(di)(di)(di)(di)(di)(di)(di)(di)(di)產(chan)(chan)(chan)(chan)(chan)貸(dai)(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)合(he)(he)理(li)(li)增長(chang)，推動金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)資源(yuan)更多(duo)流(liu)向制(zhi)(zhi)造業(ye)(ye)(ye)(ye)(ye)、小微企業(ye)(ye)(ye)(ye)(ye)等重點(dian)領域(yu)和(he)(he)薄弱環節。去(qu)(qu)年(nian)(nian)(nian)(nian)(nian)房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)地(di)(di)(di)(di)(di)(di)(di)(di)(di)(di)(di)產(chan)(chan)(chan)(chan)(chan)貸(dai)(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)增速8年(nian)(nian)(nian)(nian)(nian)來(lai)(lai)(lai)(lai)首(shou)次(ci)低于(yu)(yu)(yu)各(ge)項(xiang)貸(dai)(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)增速，新(xin)(xin)增房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)地(di)(di)(di)(di)(di)(di)(di)(di)(di)(di)(di)產(chan)(chan)(chan)(chan)(chan)貸(dai)(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)占(zhan)(zhan)(zhan)各(ge)項(xiang)貸(dai)(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)比(bi)(bi)(bi)(bi)重從(cong)2016年(nian)(nian)(nian)(nian)(nian)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)44.8%下降到(dao)去(qu)(qu)年(nian)(nian)(nian)(nian)(nian)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)28%。二(er)是(shi)(shi)(shi)(shi)(shi)(shi)(shi)(shi)(shi)實(shi)施(shi)(shi)好(hao)房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)地(di)(di)(di)(di)(di)(di)(di)(di)(di)(di)(di)產(chan)(chan)(chan)(chan)(chan)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)審慎(shen)管(guan)(guan)(guan)(guan)理(li)(li)制(zhi)(zhi)度(du)(du)(du)(du)(du)。其(qi)一(yi)(yi)(yi)是(shi)(shi)(shi)(shi)(shi)(shi)(shi)(shi)(shi)落(luo)實(shi)長(chang)效(xiao)機(ji)(ji)(ji)(ji)制(zhi)(zhi)，因(yin)城施(shi)(shi)策，實(shi)施(shi)(shi)好(hao)差別化(hua)(hua)住(zhu)(zhu)(zhu)(zhu)(zhu)房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)信(xin)(xin)貸(dai)(dai)(dai)(dai)(dai)政(zheng)策。其(qi)二(er)是(shi)(shi)(shi)(shi)(shi)(shi)(shi)(shi)(shi)按(an)(an)照規(gui)則(ze)(ze)化(hua)(hua)、透(tou)明化(hua)(hua)方(fang)向，形(xing)成(cheng)(cheng)了(le)重點(dian)房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)地(di)(di)(di)(di)(di)(di)(di)(di)(di)(di)(di)產(chan)(chan)(chan)(chan)(chan)企業(ye)(ye)(ye)(ye)(ye)資金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)監(jian)(jian)測(ce)(ce)和(he)(he)融(rong)資管(guan)(guan)(guan)(guan)理(li)(li)規(gui)則(ze)(ze)。其(qi)三是(shi)(shi)(shi)(shi)(shi)(shi)(shi)(shi)(shi)建(jian)(jian)立健(jian)全房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)地(di)(di)(di)(di)(di)(di)(di)(di)(di)(di)(di)產(chan)(chan)(chan)(chan)(chan)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)宏(hong)觀審慎(shen)管(guan)(guan)(guan)(guan)理(li)(li)制(zhi)(zhi)度(du)(du)(du)(du)(du)。三是(shi)(shi)(shi)(shi)(shi)(shi)(shi)(shi)(shi)完善住(zhu)(zhu)(zhu)(zhu)(zhu)房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)租(zu)(zu)賃金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)政(zheng)策。按(an)(an)照“租(zu)(zu)購并(bing)舉”的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)方(fang)向，加(jia)快研究金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)支持(chi)住(zhu)(zhu)(zhu)(zhu)(zhu)房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)租(zu)(zu)賃市(shi)(shi)場(chang)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)政(zheng)策。鄒(zou)瀾表(biao)(biao)(biao)(biao)(biao)示(shi)，下一(yi)(yi)(yi)步，央行(xing)(xing)(xing)(xing)(xing)(xing)將(jiang)認真貫(guan)徹落(luo)實(shi)十九屆五(wu)中(zhong)全會(hui)(hui)、中(zhong)央經濟(ji)工(gong)作(zuo)(zuo)會(hui)(hui)議(yi)部署(shu)，堅(jian)持(chi)“房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)住(zhu)(zhu)(zhu)(zhu)(zhu)不(bu)(bu)(bu)炒(chao)(chao)”定(ding)(ding)(ding)(ding)位(wei)(wei)，租(zu)(zu)購并(bing)舉，因(yin)城施(shi)(shi)策，保持(chi)房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)地(di)(di)(di)(di)(di)(di)(di)(di)(di)(di)(di)產(chan)(chan)(chan)(chan)(chan)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)政(zheng)策連續性(xing)、一(yi)(yi)(yi)致性(xing)、穩(wen)定(ding)(ding)(ding)(ding)性(xing)，穩(wen)妥實(shi)施(shi)(shi)好(hao)房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)地(di)(di)(di)(di)(di)(di)(di)(di)(di)(di)(di)產(chan)(chan)(chan)(chan)(chan)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)審慎(shen)管(guan)(guan)(guan)(guan)理(li)(li)制(zhi)(zhi)度(du)(du)(du)(du)(du)，加(jia)大住(zhu)(zhu)(zhu)(zhu)(zhu)房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)租(zu)(zu)賃市(shi)(shi)場(chang)發(fa)(fa)(fa)(fa)(fa)(fa)(fa)展(zhan)(zhan)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)支持(chi)，促(cu)進房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)地(di)(di)(di)(di)(di)(di)(di)(di)(di)(di)(di)產(chan)(chan)(chan)(chan)(chan)市(shi)(shi)場(chang)平穩(wen)健(jian)康(kang)發(fa)(fa)(fa)(fa)(fa)(fa)(fa)展(zhan)(zhan)。