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全款房抵押貸款需要什么條件[房產百科]

1、有(you)正(zheng)當職業(ye)和(he)穩定(ding)(ding)的(de)(de)(de)(de)(de)(de)(de)收入(ru)來源，具(ju)有(you)按期償(chang)還貸(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)本(ben)息的(de)(de)(de)(de)(de)(de)(de)能(neng)力(li)(li)。2、沒有(you)違(wei)法(fa)(fa)行(xing)(xing)(xing)為和(he)不(bu)(bu)良信用記(ji)錄。3、能(neng)夠(gou)提(ti)供銀(yin)行(xing)(xing)(xing)認可的(de)(de)(de)(de)(de)(de)(de)有(you)效權利(li)質(zhi)押(ya)(ya)(ya)(ya)(ya)擔保(bao)或能(neng)以合(he)(he)法(fa)(fa)有(you)效的(de)(de)(de)(de)(de)(de)(de)房(fang)(fang)(fang)產作抵(di)押(ya)(ya)(ya)(ya)(ya)擔保(bao)或具(ju)有(you)代償(chang)能(neng)力(li)(li)的(de)(de)(de)(de)(de)(de)(de)第三方保(bao)證(zheng)(zheng)。4、開立中國工商銀(yin)行(xing)(xing)(xing)個(ge)(ge)人(ren)(ren)結算賬戶，并(bing)(bing)且同(tong)意銀(yin)行(xing)(xing)(xing)從(cong)其指定(ding)(ding)的(de)(de)(de)(de)(de)(de)(de)個(ge)(ge)人(ren)(ren)結算賬戶扣收貸(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)本(ben)息。5、銀(yin)行(xing)(xing)(xing)規定(ding)(ding)的(de)(de)(de)(de)(de)(de)(de)其他條件。全款(kuan)(kuan)(kuan)(kuan)(kuan)房(fang)(fang)(fang)怎么辦理(li)抵(di)押(ya)(ya)(ya)(ya)(ya)貸(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)1、全款(kuan)(kuan)(kuan)(kuan)(kuan)房(fang)(fang)(fang)抵(di)押(ya)(ya)(ya)(ya)(ya)貸(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)需(xu)(xu)(xu)要(yao)借(jie)(jie)(jie)款(kuan)(kuan)(kuan)(kuan)(kuan)人(ren)(ren)辦理(li)抵(di)押(ya)(ya)(ya)(ya)(ya)貸(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)前需(xu)(xu)(xu)要(yao)填(tian)寫(xie)居民(min)(min)住房(fang)(fang)(fang)抵(di)押(ya)(ya)(ya)(ya)(ya)申請(qing)書(shu)，并(bing)(bing)且需(xu)(xu)(xu)要(yao)向銀(yin)行(xing)(xing)(xing)提(ti)交下列證(zheng)(zheng)明材料：借(jie)(jie)(jie)示人(ren)(ren)所在單位出具(ju)的(de)(de)(de)(de)(de)(de)(de)借(jie)(jie)(jie)款(kuan)(kuan)(kuan)(kuan)(kuan)人(ren)(ren)固定(ding)(ding)經濟(ji)收入(ru)證(zheng)(zheng)明。借(jie)(jie)(jie)款(kuan)(kuan)(kuan)(kuan)(kuan)的(de)(de)(de)(de)(de)(de)(de)擔保(bao)人(ren)(ren)的(de)(de)(de)(de)(de)(de)(de)營業(ye)執照以及法(fa)(fa)人(ren)(ren)證(zheng)(zheng)明等資信證(zheng)(zheng)明文件。2、借(jie)(jie)(jie)款(kuan)(kuan)(kuan)(kuan)(kuan)人(ren)(ren)具(ju)有(you)法(fa)(fa)律效力(li)(li)的(de)(de)(de)(de)(de)(de)(de)身份證(zheng)(zheng)明。符合(he)(he)法(fa)(fa)律規定(ding)(ding)的(de)(de)(de)(de)(de)(de)(de)有(you)關住房(fang)(fang)(fang)所有(you)房(fang)(fang)(fang)產的(de)(de)(de)(de)(de)(de)(de)房(fang)(fang)(fang)產抵(di)押(ya)(ya)(ya)(ya)(ya)貸(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)流程(cheng)(cheng)第一步。3、全款(kuan)(kuan)(kuan)(kuan)(kuan)房(fang)(fang)(fang)抵(di)押(ya)(ya)(ya)(ya)(ya)貸(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)需(xu)(xu)(xu)要(yao)根(gen)據銀(yin)行(xing)(xing)(xing)貸(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)流程(cheng)(cheng)，銀(yin)行(xing)(xing)(xing)對借(jie)(jie)(jie)款(kuan)(kuan)(kuan)(kuan)(kuan)人(ren)(ren)的(de)(de)(de)(de)(de)(de)(de)貸(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)申請(qing)、購(gou)房(fang)(fang)(fang)合(he)(he)同(tong)、協議(yi)(yi)及有(you)關材料進(jin)行(xing)(xing)(xing)審查。借(jie)(jie)(jie)款(kuan)(kuan)(kuan)(kuan)(kuan)人(ren)(ren)將(jiang)抵(di)押(ya)(ya)(ya)(ya)(ya)房(fang)(fang)(fang)產的(de)(de)(de)(de)(de)(de)(de)產權證(zheng)(zheng)書(shu)及保(bao)險單或有(you)價證(zheng)(zheng)券交銀(yin)行(xing)(xing)(xing)收押(ya)(ya)(ya)(ya)(ya)。借(jie)(jie)(jie)貸(dai)(dai)(dai)雙(shuang)方擔保(bao)人(ren)(ren)簽訂住房(fang)(fang)(fang)抵(di)押(ya)(ya)(ya)(ya)(ya)貸(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)合(he)(he)同(tong)并(bing)(bing)進(jin)行(xing)(xing)(xing)公證(zheng)(zheng)。4、根(gen)據以上房(fang)(fang)(fang)產抵(di)押(ya)(ya)(ya)(ya)(ya)貸(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)流程(cheng)(cheng)，貸(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)合(he)(he)同(tong)簽訂并(bing)(bing)經公證(zheng)(zheng)后，銀(yin)行(xing)(xing)(xing)對借(jie)(jie)(jie)貸(dai)(dai)(dai)人(ren)(ren)的(de)(de)(de)(de)(de)(de)(de)存款(kuan)(kuan)(kuan)(kuan)(kuan)和(he)貸(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)通(tong)過轉(zhuan)帳(zhang)方式劃入(ru)購(gou)房(fang)(fang)(fang)合(he)(he)同(tong)或協議(yi)(yi)指定(ding)(ding)的(de)(de)(de)(de)(de)(de)(de)售(shou)房(fang)(fang)(fang)單位或建房(fang)(fang)(fang)單位。5、對于(yu)辦理(li)貸(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)存在限制，年滿(man)18周(zhou)歲，全款(kuan)(kuan)(kuan)(kuan)(kuan)房(fang)(fang)(fang)抵(di)押(ya)(ya)(ya)(ya)(ya)貸(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)需(xu)(xu)(xu)要(yao)具(ju)有(you)完全民(min)(min)事行(xing)(xing)(xing)為能(neng)力(li)(li)的(de)(de)(de)(de)(de)(de)(de)自然(ran)人(ren)(ren)，職業(ye)收入(ru)不(bu)(bu)穩定(ding)(ding)、信用不(bu)(bu)好，無償(chang)還能(neng)力(li)(li)等對于(yu)個(ge)(ge)人(ren)(ren)信用的(de)(de)(de)(de)(de)(de)(de)限制，很多人(ren)(ren)都希(xi)望拿到高(gao)額度貸(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)，但你(ni)要(yao)有(you)相應的(de)(de)(de)(de)(de)(de)(de)收入(ru)與之匹配才行(xing)(xing)(xing)，若你(ni)的(de)(de)(de)(de)(de)(de)(de)個(ge)(ge)人(ren)(ren)信用有(you)不(bu)(bu)良記(ji)錄，同(tong)樣有(you)被(bei)拒貸(dai)(dai)(dai)的(de)(de)(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(bai)科]

現在(zai)(zai)(zai)(zai)(zai)房(fang)(fang)(fang)(fang)地(di)產(chan)市場上(shang)(shang)(shang)(shang)很(hen)(hen)多(duo)的(de)(de)(de)(de)(de)(de)(de)(de)(de)人(ren)(ren)(ren)們都會考慮購買(mai)(mai)(mai)二(er)手(shou)(shou)(shou)(shou)房(fang)(fang)(fang)(fang)，二(er)手(shou)(shou)(shou)(shou)房(fang)(fang)(fang)(fang)屋(wu)(wu)(wu)(wu)(wu)因為(wei)價(jia)(jia)格相(xiang)對(dui)便宜成(cheng)(cheng)為(wei)很(hen)(hen)多(duo)人(ren)(ren)(ren)們選購的(de)(de)(de)(de)(de)(de)(de)(de)(de)熱點。二(er)手(shou)(shou)(shou)(shou)房(fang)(fang)(fang)(fang)屋(wu)(wu)(wu)(wu)(wu)的(de)(de)(de)(de)(de)(de)(de)(de)(de)買(mai)(mai)(mai)賣(mai)和(he)交(jiao)(jiao)(jiao)(jiao)(jiao)(jiao)(jiao)易(yi)(yi)(yi)是(shi)(shi)(shi)(shi)(shi)(shi)要(yao)(yao)注(zhu)(zhu)(zhu)(zhu)意(yi)(yi)一(yi)下(xia)具體的(de)(de)(de)(de)(de)(de)(de)(de)(de)購買(mai)(mai)(mai)注(zhu)(zhu)(zhu)(zhu)意(yi)(yi)事項(xiang)的(de)(de)(de)(de)(de)(de)(de)(de)(de)，那么(me)(me)(me)二(er)手(shou)(shou)(shou)(shou)房(fang)(fang)(fang)(fang)交(jiao)(jiao)(jiao)(jiao)(jiao)(jiao)(jiao)易(yi)(yi)(yi)要(yao)(yao)交(jiao)(jiao)(jiao)(jiao)(jiao)(jiao)(jiao)什(shen)么(me)(me)(me)稅(shui)(shui)(shui)(shui)?二(er)手(shou)(shou)(shou)(shou)房(fang)(fang)(fang)(fang)交(jiao)(jiao)(jiao)(jiao)(jiao)(jiao)(jiao)易(yi)(yi)(yi)注(zhu)(zhu)(zhu)(zhu)意(yi)(yi)事項(xiang)有(you)(you)(you)什(shen)么(me)(me)(me)?我(wo)們來看(kan)看(kan)小(xiao)變的(de)(de)(de)(de)(de)(de)(de)(de)(de)相(xiang)關(guan)介紹與(yu)講(jiang)述(shu)吧。二(er)手(shou)(shou)(shou)(shou)房(fang)(fang)(fang)(fang)交(jiao)(jiao)(jiao)(jiao)(jiao)(jiao)(jiao)易(yi)(yi)(yi)要(yao)(yao)交(jiao)(jiao)(jiao)(jiao)(jiao)(jiao)(jiao)什(shen)么(me)(me)(me)稅(shui)(shui)(shui)(shui)1、折(zhe)疊(die)(die)契(qi)(qi)稅(shui)(shui)(shui)(shui):符合(he)我(wo)們住(zhu)(zhu)(zhu)宅(zhai)(zhai)(zhai)小(xiao)區建(jian)筑容積率在(zai)(zai)(zai)(zai)(zai)1.0(含(han))以(yi)(yi)(yi)(yi)上(shang)(shang)(shang)(shang)、單套的(de)(de)(de)(de)(de)(de)(de)(de)(de)建(jian)筑面(mian)積是(shi)(shi)(shi)(shi)(shi)(shi)在(zai)(zai)(zai)(zai)(zai)140(含(han))平方(fang)米以(yi)(yi)(yi)(yi)下(xia)(在(zai)(zai)(zai)(zai)(zai)120平方(fang)米基礎上(shang)(shang)(shang)(shang)上(shang)(shang)(shang)(shang)浮16.7%)、實際的(de)(de)(de)(de)(de)(de)(de)(de)(de)成(cheng)(cheng)交(jiao)(jiao)(jiao)(jiao)(jiao)(jiao)(jiao)價(jia)(jia)低(di)于同(tong)(tong)(tong)級的(de)(de)(de)(de)(de)(de)(de)(de)(de)別土(tu)地(di)上(shang)(shang)(shang)(shang)住(zhu)(zhu)(zhu)房(fang)(fang)(fang)(fang)平均交(jiao)(jiao)(jiao)(jiao)(jiao)(jiao)(jiao)易(yi)(yi)(yi)價(jia)(jia)格的(de)(de)(de)(de)(de)(de)(de)(de)(de)1.2倍(bei)以(yi)(yi)(yi)(yi)下(xia)等(deng)符合(he)三個(ge)條件(jian)的(de)(de)(de)(de)(de)(de)(de)(de)(de),則應視為(wei)普(pu)(pu)(pu)通住(zhu)(zhu)(zhu)宅(zhai)(zhai)(zhai),是(shi)(shi)(shi)(shi)(shi)(shi)要(yao)(yao)征收房(fang)(fang)(fang)(fang)屋(wu)(wu)(wu)(wu)(wu)成(cheng)(cheng)交(jiao)(jiao)(jiao)(jiao)(jiao)(jiao)(jiao)價(jia)(jia)的(de)(de)(de)(de)(de)(de)(de)(de)(de)1.5%的(de)(de)(de)(de)(de)(de)(de)(de)(de)契(qi)(qi)稅(shui)(shui)(shui)(shui)。反之則是(shi)(shi)(shi)(shi)(shi)(shi)按3%。2、新政下(xia)的(de)(de)(de)(de)(de)(de)(de)(de)(de)契(qi)(qi)稅(shui)(shui)(shui)(shui):普(pu)(pu)(pu)宅(zhai)(zhai)(zhai):90平米以(yi)(yi)(yi)(yi)下(xia):1%、90平米以(yi)(yi)(yi)(yi)上(shang)(shang)(shang)(shang):1.5%、非普(pu)(pu)(pu)宅(zhai)(zhai)(zhai):3%、商業房(fang)(fang)(fang)(fang)或公司(si)產(chan)權:3%折(zhe)疊(die)(die)城建(jian)稅(shui)(shui)(shui)(shui):營(ying)業稅(shui)(shui)(shui)(shui)的(de)(de)(de)(de)(de)(de)(de)(de)(de)7%;費附加稅(shui)(shui)(shui)(shui);營(ying)業稅(shui)(shui)(shui)(shui)的(de)(de)(de)(de)(de)(de)(de)(de)(de)3%。折(zhe)疊(die)(die)個(ge)人(ren)(ren)(ren)所得(de)稅(shui)(shui)(shui)(shui):普(pu)(pu)(pu)通住(zhu)(zhu)(zhu)宅(zhai)(zhai)(zhai)2年(nian)(nian)之內(nei):{售房(fang)(fang)(fang)(fang)收入(ru)(ru)-購房(fang)(fang)(fang)(fang)總(zong)(zong)額(e)(e)-(營(ying)業稅(shui)(shui)(shui)(shui)+城建(jian)稅(shui)(shui)(shui)(shui)+費附加稅(shui)(shui)(shui)(shui)+印花稅(shui)(shui)(shui)(shui))}×20%;2年(nian)(nian)以(yi)(yi)(yi)(yi)上(shang)(shang)(shang)(shang)(含(han))5年(nian)(nian)以(yi)(yi)(yi)(yi)下(xia)的(de)(de)(de)(de)(de)(de)(de)(de)(de)普(pu)(pu)(pu)通住(zhu)(zhu)(zhu)宅(zhai)(zhai)(zhai):(售房(fang)(fang)(fang)(fang)收入(ru)(ru)-購房(fang)(fang)(fang)(fang)總(zong)(zong)額(e)(e)-印花稅(shui)(shui)(shui)(shui))×20%。3、二(er)手(shou)(shou)(shou)(shou)房(fang)(fang)(fang)(fang)交(jiao)(jiao)(jiao)(jiao)(jiao)(jiao)(jiao)易(yi)(yi)(yi)稅(shui)(shui)(shui)(shui)費:非普(pu)(pu)(pu)通住(zhu)(zhu)(zhu)宅(zhai)(zhai)(zhai)2年(nian)(nian)內(nei):房(fang)(fang)(fang)(fang)屋(wu)(wu)(wu)(wu)(wu)成(cheng)(cheng)交(jiao)(jiao)(jiao)(jiao)(jiao)(jiao)(jiao)總(zong)(zong)額(e)(e)×5.55% 2年(nian)(nian)或2年(nian)(nian)以(yi)(yi)(yi)(yi)上(shang)(shang)(shang)(shang):差(cha)額(e)(e) ×5.55% ;個(ge)人(ren)(ren)(ren)所得(de)稅(shui)(shui)(shui)(shui): 普(pu)(pu)(pu)通住(zhu)(zhu)(zhu)宅(zhai)(zhai)(zhai)房(fang)(fang)(fang)(fang)屋(wu)(wu)(wu)(wu)(wu)成(cheng)(cheng)交(jiao)(jiao)(jiao)(jiao)(jiao)(jiao)(jiao)總(zong)(zong)額(e)(e)的(de)(de)(de)(de)(de)(de)(de)(de)(de)1%或利潤部(bu)分(fen)×20%;非普(pu)(pu)(pu)通住(zhu)(zhu)(zhu)宅(zhai)(zhai)(zhai)房(fang)(fang)(fang)(fang)屋(wu)(wu)(wu)(wu)(wu)成(cheng)(cheng)交(jiao)(jiao)(jiao)(jiao)(jiao)(jiao)(jiao)總(zong)(zong)額(e)(e)的(de)(de)(de)(de)(de)(de)(de)(de)(de)2%或利潤部(bu)分(fen)×20%;土(tu)地(di)稅(shui)(shui)(shui)(shui):普(pu)(pu)(pu)通住(zhu)(zhu)(zhu)宅(zhai)(zhai)(zhai)免(mian)征,非普(pu)(pu)(pu)通住(zhu)(zhu)(zhu)宅(zhai)(zhai)(zhai)3年(nian)(nian)內(nei):房(fang)(fang)(fang)(fang)屋(wu)(wu)(wu)(wu)(wu)成(cheng)(cheng)交(jiao)(jiao)(jiao)(jiao)(jiao)(jiao)(jiao)總(zong)(zong)額(e)(e)×0.5% ,3年(nian)(nian)至(zhi)5年(nian)(nian):房(fang)(fang)(fang)(fang)屋(wu)(wu)(wu)(wu)(wu)成(cheng)(cheng)交(jiao)(jiao)(jiao)(jiao)(jiao)(jiao)(jiao)總(zong)(zong)額(e)(e)×0.25% 5年(nian)(nian)或5年(nian)(nian)以(yi)(yi)(yi)(yi)上(shang)(shang)(shang)(shang):免(mian)征。二(er)手(shou)(shou)(shou)(shou)房(fang)(fang)(fang)(fang)交(jiao)(jiao)(jiao)(jiao)(jiao)(jiao)(jiao)易(yi)(yi)(yi)注(zhu)(zhu)(zhu)(zhu)意(yi)(yi)事項(xiang)有(you)(you)(you)什(shen)么(me)(me)(me)1、房(fang)(fang)(fang)(fang)屋(wu)(wu)(wu)(wu)(wu)產(chan)權是(shi)(shi)(shi)(shi)(shi)(shi)否(fou)(fou)明(ming)晰：有(you)(you)(you)些房(fang)(fang)(fang)(fang)屋(wu)(wu)(wu)(wu)(wu)有(you)(you)(you)好多(duo)個(ge)共(gong)有(you)(you)(you)人(ren)(ren)(ren),如有(you)(you)(you)繼承人(ren)(ren)(ren)共(gong)有(you)(you)(you)的(de)(de)(de)(de)(de)(de)(de)(de)(de)、有(you)(you)(you)家(jia)庭共(gong)有(you)(you)(you)的(de)(de)(de)(de)(de)(de)(de)(de)(de)、還(huan)(huan)有(you)(you)(you)夫妻共(gong)有(you)(you)(you)的(de)(de)(de)(de)(de)(de)(de)(de)(de),對(dui)此買(mai)(mai)(mai)受(shou)人(ren)(ren)(ren)應當(dang)和(he)全部(bu)共(gong)有(you)(you)(you)人(ren)(ren)(ren)簽訂房(fang)(fang)(fang)(fang)屋(wu)(wu)(wu)(wu)(wu)買(mai)(mai)(mai)賣(mai)合(he)同(tong)(tong)(tong)。如果只是(shi)(shi)(shi)(shi)(shi)(shi)部(bu)分(fen)共(gong)有(you)(you)(you)人(ren)(ren)(ren)擅自(zi)處(chu)分(fen)共(gong)有(you)(you)(you)財產(chan),買(mai)(mai)(mai)受(shou)人(ren)(ren)(ren)與(yu)其簽訂的(de)(de)(de)(de)(de)(de)(de)(de)(de)買(mai)(mai)(mai)賣(mai)合(he)同(tong)(tong)(tong)未在(zai)(zai)(zai)(zai)(zai)其他共(gong)有(you)(you)(you)人(ren)(ren)(ren)同(tong)(tong)(tong)意(yi)(yi)的(de)(de)(de)(de)(de)(de)(de)(de)(de)情(qing)況(kuang)下(xia)一(yi)般是(shi)(shi)(shi)(shi)(shi)(shi)無效的(de)(de)(de)(de)(de)(de)(de)(de)(de)。2、交(jiao)(jiao)(jiao)(jiao)(jiao)(jiao)(jiao)易(yi)(yi)(yi)房(fang)(fang)(fang)(fang)屋(wu)(wu)(wu)(wu)(wu)是(shi)(shi)(shi)(shi)(shi)(shi)否(fou)(fou)在(zai)(zai)(zai)(zai)(zai)租(zu)：有(you)(you)(you)些二(er)手(shou)(shou)(shou)(shou)房(fang)(fang)(fang)(fang)在(zai)(zai)(zai)(zai)(zai)轉(zhuan)讓時(shi),存在(zai)(zai)(zai)(zai)(zai)物上(shang)(shang)(shang)(shang)負(fu)擔,即(ji)還(huan)(huan)被別人(ren)(ren)(ren)租(zu)賃(lin)。如果買(mai)(mai)(mai)受(shou)人(ren)(ren)(ren)只看(kan)房(fang)(fang)(fang)(fang)產(chan)證,只注(zhu)(zhu)(zhu)(zhu)重(zhong)過戶手(shou)(shou)(shou)(shou)續,而不(bu)注(zhu)(zhu)(zhu)(zhu)意(yi)(yi)是(shi)(shi)(shi)(shi)(shi)(shi)否(fou)(fou)存在(zai)(zai)(zai)(zai)(zai)租(zu)賃(lin)時(shi),買(mai)(mai)(mai)受(shou)人(ren)(ren)(ren)極有(you)(you)(you)可(ke)能(neng)得(de)到一(yi)個(ge)不(bu)能(neng)及時(shi)入(ru)(ru)住(zhu)(zhu)(zhu)的(de)(de)(de)(de)(de)(de)(de)(de)(de)或使用的(de)(de)(de)(de)(de)(de)(de)(de)(de)房(fang)(fang)(fang)(fang)產(chan)。因為(wei)我(wo)國包括大部(bu)分(fen)國家(jia)均認可(ke)“買(mai)(mai)(mai)賣(mai)不(bu)破租(zu)賃(lin)”,也就(jiu)是(shi)(shi)(shi)(shi)(shi)(shi)說房(fang)(fang)(fang)(fang)屋(wu)(wu)(wu)(wu)(wu)買(mai)(mai)(mai)賣(mai)合(he)同(tong)(tong)(tong)不(bu)能(neng)對(dui)抗在(zai)(zai)(zai)(zai)(zai)先(xian)成(cheng)(cheng)立的(de)(de)(de)(de)(de)(de)(de)(de)(de)租(zu)賃(lin)合(he)同(tong)(tong)(tong)。3、市政規(gui)劃是(shi)(shi)(shi)(shi)(shi)(shi)否(fou)(fou)影(ying)(ying)響(xiang)：有(you)(you)(you)些房(fang)(fang)(fang)(fang)主出售二(er)手(shou)(shou)(shou)(shou)房(fang)(fang)(fang)(fang)可(ke)能(neng)是(shi)(shi)(shi)(shi)(shi)(shi)已了解該房(fang)(fang)(fang)(fang)屋(wu)(wu)(wu)(wu)(wu)在(zai)(zai)(zai)(zai)(zai)5到10年(nian)(nian)左(zuo)右要(yao)(yao)面(mian)臨拆遷,或者房(fang)(fang)(fang)(fang)屋(wu)(wu)(wu)(wu)(wu)要(yao)(yao)建(jian)高層(ceng)住(zhu)(zhu)(zhu)宅(zhai)(zhai)(zhai),可(ke)能(neng)影(ying)(ying)響(xiang)采(cai)光、價(jia)(jia)格等(deng)市政規(gui)劃情(qing)況(kuang),才急(ji)于出售,作為(wei)買(mai)(mai)(mai)受(shou)人(ren)(ren)(ren)在(zai)(zai)(zai)(zai)(zai)購買(mai)(mai)(mai)時(shi)應全面(mian)了解詳細(xi)情(qing)況(kuang)。在(zai)(zai)(zai)(zai)(zai)購買(mai)(mai)(mai)二(er)手(shou)(shou)(shou)(shou)房(fang)(fang)(fang)(fang)屋(wu)(wu)(wu)(wu)(wu)的(de)(de)(de)(de)(de)(de)(de)(de)(de)時(shi)候，一(yi)定(ding)要(yao)(yao)注(zhu)(zhu)(zhu)(zhu)意(yi)(yi)一(yi)下(xia)具體的(de)(de)(de)(de)(de)(de)(de)(de)(de)買(mai)(mai)(mai)賣(mai)流程，要(yao)(yao)注(zhu)(zhu)(zhu)(zhu)意(yi)(yi)一(yi)下(xia)交(jiao)(jiao)(jiao)(jiao)(jiao)(jiao)(jiao)易(yi)(yi)(yi)的(de)(de)(de)(de)(de)(de)(de)(de)(de)細(xi)節問題，避免(mian)影(ying)(ying)響(xiang)了自(zi)身的(de)(de)(de)(de)(de)(de)(de)(de)(de)權益(yi)，也影(ying)(ying)響(xiang)房(fang)(fang)(fang)(fang)屋(wu)(wu)(wu)(wu)(wu)的(de)(de)(de)(de)(de)(de)(de)(de)(de)交(jiao)(jiao)(jiao)(jiao)(jiao)(jiao)(jiao)易(yi)(yi)(yi)。以(yi)(yi)(yi)(yi)上(shang)(shang)(shang)(shang)就(jiu)是(shi)(shi)(shi)(shi)(shi)(shi)小(xiao)編(bian)關(guan)于二(er)手(shou)(shou)(shou)(shou)房(fang)(fang)(fang)(fang)交(jiao)(jiao)(jiao)(jiao)(jiao)(jiao)(jiao)易(yi)(yi)(yi)要(yao)(yao)交(jiao)(jiao)(jiao)(jiao)(jiao)(jiao)(jiao)什(shen)么(me)(me)(me)稅(shui)(shui)(shui)(shui)?二(er)手(shou)(shou)(shou)(shou)房(fang)(fang)(fang)(fang)交(jiao)(jiao)(jiao)(jiao)(jiao)(jiao)(jiao)易(yi)(yi)(yi)注(zhu)(zhu)(zhu)(zhu)意(yi)(yi)事項(xiang)有(you)(you)(you)什(shen)么(me)(me)(me)?的(de)(de)(de)(de)(de)(de)(de)(de)(de)相(xiang)關(guan)介紹，希(xi)望對(dui)于大家(jia)選購二(er)手(shou)(shou)(shou)(shou)房(fang)(fang)(fang)(fang)屋(wu)(wu)(wu)(wu)(wu)有(you)(you)(you)一(yi)定(ding)的(de)(de)(de)(de)(de)(de)(de)(de)(de)幫(bang)助。

關于驗房 這些方法你知道嗎[房(fang)產百科]

現(xian)(xian)在一(yi)(yi)(yi)些一(yi)(yi)(yi)、二線(xian)城(cheng)市買房(fang)(fang)(fang)(fang)(fang)都(dou)送精(jing)裝(zhuang)修(xiu)，由于精(jing)裝(zhuang)房(fang)(fang)(fang)(fang)(fang)帶(dai)有(you)(you)(you)(you)(you)(you)(you)(you)精(jing)致(zhi)裝(zhuang)修(xiu)，與毛坯(pi)房(fang)(fang)(fang)(fang)(fang)相比，能(neng)節省業(ye)主(zhu)(zhu)裝(zhuang)修(xiu)所(suo)需(xu)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)時(shi)(shi)(shi)(shi)(shi)(shi)間(jian)(jian)及(ji)(ji)＊＊，自然受到(dao)一(yi)(yi)(yi)些剛性(xing)(xing)需(xu)求(qiu)人群的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)追捧(peng)。然而，精(jing)致(zhi)裝(zhuang)修(xiu)能(neng)暫時(shi)(shi)(shi)(shi)(shi)(shi)掩蓋房(fang)(fang)(fang)(fang)(fang)子(zi)(zi)本身的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)缺(que)憾，這(zhe)(zhe)就(jiu)(jiu)(jiu)(jiu)需(xu)要(yao)(yao)(yao)業(ye)主(zhu)(zhu)驗(yan)房(fang)(fang)(fang)(fang)(fang)時(shi)(shi)(shi)(shi)(shi)(shi)候多(duo)注(zhu)意注(zhu)意。下(xia)(xia)(xia)我就(jiu)(jiu)(jiu)(jiu)給(gei)大(da)家介紹19種(zhong)精(jing)裝(zhuang)房(fang)(fang)(fang)(fang)(fang)驗(yan)房(fang)(fang)(fang)(fang)(fang)方法，既(ji)簡單(dan)又容易操作。　一(yi)(yi)(yi)、檢(jian)(jian)查(cha)(cha)(cha)(cha)廚房(fang)(fang)(fang)(fang)(fang)煙(yan)(yan)道(dao)(dao)(dao)用(yong)(yong)(yong)紙(zhi)(zhi)卷點火(huo)后滅(mie)火(huo)冒煙(yan)(yan)，放(fang)(fang)在煙(yan)(yan)道(dao)(dao)(dao)口(kou)下(xia)(xia)(xia)方10厘米(mi)(mi)(mi)左右，看(kan)(kan)(kan)(kan)(kan)煙(yan)(yan)是(shi)(shi)(shi)(shi)否(fou)(fou)(fou)(fou)(fou)(fou)(fou)(fou)(fou)(fou)上(shang)(shang)(shang)升到(dao)煙(yan)(yan)道(dao)(dao)(dao)口(kou)就(jiu)(jiu)(jiu)(jiu)立刻(ke)(ke)拐彎(wan)被(bei)吸走。二、檢(jian)(jian)查(cha)(cha)(cha)(cha)衛生(sheng)(sheng)(sheng)(sheng)(sheng)間(jian)(jian)通(tong)(tong)(tong)風(feng)　應(ying)(ying)在吊(diao)頂(ding)下(xia)(xia)(xia)留(liu)通(tong)(tong)(tong)風(feng)口(kou)。留(liu)在吊(diao)頂(ding)上(shang)(shang)(shang)面(mian)(mian)時(shi)(shi)(shi)(shi)(shi)(shi)要(yao)(yao)(yao)用(yong)(yong)(yong)手(shou)燈(deng)(deng)查(cha)(cha)(cha)(cha)看(kan)(kan)(kan)(kan)(kan)是(shi)(shi)(shi)(shi)否(fou)(fou)(fou)(fou)(fou)(fou)(fou)(fou)(fou)(fou)具備安裝(zhuang)性(xing)(xing)，同(tong)(tong)(tong)時(shi)(shi)(shi)(shi)(shi)(shi)用(yong)(yong)(yong)第一(yi)(yi)(yi)種(zhong)方法測(ce)(ce)抽力(li)。在煙(yan)(yan)道(dao)(dao)(dao)、通(tong)(tong)(tong)風(feng)口(kou)處還(huan)要(yao)(yao)(yao)用(yong)(yong)(yong)手(shou)電(dian)(dian)筒查(cha)(cha)(cha)(cha)看(kan)(kan)(kan)(kan)(kan)是(shi)(shi)(shi)(shi)否(fou)(fou)(fou)(fou)(fou)(fou)(fou)(fou)(fou)(fou)存(cun)有(you)(you)(you)(you)(you)(you)(you)(you)建筑垃(la)圾(ji)。三、檢(jian)(jian)查(cha)(cha)(cha)(cha)管(guan)(guan)道(dao)(dao)(dao)煤氣(qi)(qi)　用(yong)(yong)(yong)冒煙(yan)(yan)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)卷紙(zhi)(zhi)放(fang)(fang)到(dao)報(bao)警(jing)裝(zhuang)置附近，看(kan)(kan)(kan)(kan)(kan)報(bao)警(jing)裝(zhuang)置是(shi)(shi)(shi)(shi)否(fou)(fou)(fou)(fou)(fou)(fou)(fou)(fou)(fou)(fou)靈(ling)敏，在報(bao)警(jing)提(ti)(ti)示(shi)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)同(tong)(tong)(tong)時(shi)(shi)(shi)(shi)(shi)(shi)關(guan)閉進(jin)氣(qi)(qi)電(dian)(dian)磁閥。這(zhe)(zhe)時(shi)(shi)(shi)(shi)(shi)(shi)如(ru)(ru)(ru)果(guo)(guo)(guo)只有(you)(you)(you)(you)(you)(you)(you)(you)聲(sheng)音(yin)不(bu)能(neng)動(dong)(dong)作，須及(ji)(ji)時(shi)(shi)(shi)(shi)(shi)(shi)修(xiu)復。四(si)、檢(jian)(jian)查(cha)(cha)(cha)(cha)是(shi)(shi)(shi)(shi)否(fou)(fou)(fou)(fou)(fou)(fou)(fou)(fou)(fou)(fou)空(kong)鼓(gu)(gu)   將伸縮響(xiang)鼓(gu)(gu)錘(chui)(chui)墊(dian)上(shang)(shang)(shang)幾(ji)(ji)層(ceng)(ceng)紙(zhi)(zhi)(避免(mian)留(liu)下(xia)(xia)(xia)錘(chui)(chui)印)敲擊墻(qiang)壁(bi)，以(yi)(yi)檢(jian)(jian)查(cha)(cha)(cha)(cha)墻(qiang)面(mian)(mian)是(shi)(shi)(shi)(shi)否(fou)(fou)(fou)(fou)(fou)(fou)(fou)(fou)(fou)(fou)存(cun)在空(kong)鼓(gu)(gu)現(xian)(xian)象(xiang)(xiang)。如(ru)(ru)(ru)果(guo)(guo)(guo)空(kong)鼓(gu)(gu)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)話，可(ke)(ke)能(neng)會(hui)有(you)(you)(you)(you)(you)(you)(you)(you)整體面(mian)(mian)層(ceng)(ceng)脫落或(huo)(huo)(huo)者(zhe)(zhe)說(shuo)開(kai)(kai)(kai)裂這(zhe)(zhe)樣(yang)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)風(feng)險。則(ze)必須要(yao)(yao)(yao)加以(yi)(yi)重視(shi)(shi)。五(wu)、驗(yan)電(dian)(dian)1.檢(jian)(jian)查(cha)(cha)(cha)(cha)插(cha)(cha)(cha)(cha)(cha)座：　五(wu)孔(kong)插(cha)(cha)(cha)(cha)(cha)座上(shang)(shang)(shang)分(fen)別插(cha)(cha)(cha)(cha)(cha)上(shang)(shang)(shang)帶(dai)有(you)(you)(you)(you)(you)(you)(you)(you)指(zhi)示(shi)燈(deng)(deng)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)排(pai)插(cha)(cha)(cha)(cha)(cha)，燈(deng)(deng)亮，表(biao)示(shi)有(you)(you)(you)(you)(you)(you)(you)(you)電(dian)(dian)。此(ci)時(shi)(shi)(shi)(shi)(shi)(shi)拉下(xia)(xia)(xia)總(zong)開(kai)(kai)(kai)關(guan)箱(xiang)內(nei)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)插(cha)(cha)(cha)(cha)(cha)座開(kai)(kai)(kai)關(guan)，指(zhi)示(shi)燈(deng)(deng)滅(mie)，頻繁測(ce)(ce)試幾(ji)(ji)次(ci)證(zheng)明(ming)開(kai)(kai)(kai)關(guan)、接(jie)(jie)線(xian)良(liang)好(hao)，說(shuo)明(ming)插(cha)(cha)(cha)(cha)(cha)座安全。如(ru)(ru)(ru)果(guo)(guo)(guo)開(kai)(kai)(kai)關(guan)拉下(xia)(xia)(xia)，插(cha)(cha)(cha)(cha)(cha)座指(zhi)示(shi)燈(deng)(deng)仍(reng)亮或(huo)(huo)(huo)在閃爍(shuo)，說(shuo)明(ming)開(kai)(kai)(kai)關(guan)質量有(you)(you)(you)(you)(you)(you)(you)(you)問題或(huo)(huo)(huo)接(jie)(jie)線(xian)有(you)(you)(you)(you)(you)(you)(you)(you)誤，要(yao)(yao)(yao)立刻(ke)(ke)修(xiu)復，否(fou)(fou)(fou)(fou)(fou)(fou)(fou)(fou)(fou)(fou)則(ze)誤觸(chu)(chu)電(dian)(dian)時(shi)(shi)(shi)(shi)(shi)(shi)無(wu)(wu)(wu)法及(ji)(ji)時(shi)(shi)(shi)(shi)(shi)(shi)斷電(dian)(dian)會(hui)危(wei)及(ji)(ji)生(sheng)(sheng)(sheng)(sheng)(sheng)命。插(cha)(cha)(cha)(cha)(cha)座還(huan)應(ying)(ying)用(yong)(yong)(yong)搖表(biao)來(lai)測(ce)(ce)試對(dui)地(di)(di)(di)絕緣(yuan)情(qing)況(kuang)是(shi)(shi)(shi)(shi)否(fou)(fou)(fou)(fou)(fou)(fou)(fou)(fou)(fou)(fou)良(liang)好(hao)。2.開(kai)(kai)(kai)關(guan)箱(xiang)內(nei)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)個(ge)分(fen)路開(kai)(kai)(kai)關(guan)應(ying)(ying)有(you)(you)(you)(you)(you)(you)(you)(you)明(ming)顯的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)標示(shi)，如(ru)(ru)(ru)果(guo)(guo)(guo)沒(mei)(mei)有(you)(you)(you)(you)(you)(you)(you)(you)或(huo)(huo)(huo)不(bu)明(ming)確，應(ying)(ying)立刻(ke)(ke)處理。3.開(kai)(kai)(kai)關(guan)箱(xiang)內(nei)開(kai)(kai)(kai)關(guan)應(ying)(ying)安裝(zhuang)牢固(gu)(gu)(gu)，每個(ge)都(dou)要(yao)(yao)(yao)用(yong)(yong)(yong)力(li)左右晃動(dong)(dong)檢(jian)(jian)查(cha)(cha)(cha)(cha)，如(ru)(ru)(ru)果(guo)(guo)(guo)發現(xian)(xian)松動(dong)(dong)，應(ying)(ying)緊固(gu)(gu)(gu)或(huo)(huo)(huo)更(geng)換。否(fou)(fou)(fou)(fou)(fou)(fou)(fou)(fou)(fou)(fou)則(ze)日后在使用(yong)(yong)(yong)中出(chu)現(xian)(xian)打火(huo)接(jie)(jie)觸(chu)(chu)不(bu)良(liang)現(xian)(xian)象(xiang)(xiang)時(shi)(shi)(shi)(shi)(shi)(shi)，會(hui)造成(cheng)更(geng)大(da)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)危(wei)險。4.檢(jian)(jian)查(cha)(cha)(cha)(cha)有(you)(you)(you)(you)(you)(you)(you)(you)線(xian)電(dian)(dian)視(shi)(shi)插(cha)(cha)(cha)(cha)(cha)座、寬帶(dai)插(cha)(cha)(cha)(cha)(cha)座，看(kan)(kan)(kan)(kan)(kan)插(cha)(cha)(cha)(cha)(cha)頭(tou)插(cha)(cha)(cha)(cha)(cha)進(jin)去(qu)有(you)(you)(you)(you)(you)(you)(you)(you)無(wu)(wu)(wu)松動(dong)(dong)或(huo)(huo)(huo)是(shi)(shi)(shi)(shi)否(fou)(fou)(fou)(fou)(fou)(fou)(fou)(fou)(fou)(fou)有(you)(you)(you)(you)(you)(you)(you)(you)插(cha)(cha)(cha)(cha)(cha)頭(tou)插(cha)(cha)(cha)(cha)(cha)不(bu)進(jin)去(qu)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)現(xian)(xian)象(xiang)(xiang)。六、檢(jian)(jian)查(cha)(cha)(cha)(cha)貓眼(yan)(yan) 入戶(hu)(hu)后觀察貓眼(yan)(yan)是(shi)(shi)(shi)(shi)否(fou)(fou)(fou)(fou)(fou)(fou)(fou)(fou)(fou)(fou)松動(dong)(dong)、視(shi)(shi)野是(shi)(shi)(shi)(shi)否(fou)(fou)(fou)(fou)(fou)(fou)(fou)(fou)(fou)(fou)不(bu)全或(huo)(huo)(huo)因有(you)(you)(you)(you)(you)(you)(you)(you)異(yi)物(wu)無(wu)(wu)(wu)法看(kan)(kan)(kan)(kan)(kan)清(qing)楚等情(qing)況(kuang)。七(qi)、測(ce)(ce)高度　用(yong)(yong)(yong)盒尺(chi)檢(jian)(jian)查(cha)(cha)(cha)(cha)房(fang)(fang)(fang)(fang)(fang)頂(ding)，取4~5個(ge)點進(jin)行測(ce)(ce)量，若數值一(yi)(yi)(yi)致(zhi)，比如(ru)(ru)(ru)房(fang)(fang)(fang)(fang)(fang)高均(jun)為2.5米(mi)(mi)(mi)(或(huo)(huo)(huo)者(zhe)(zhe)2.6米(mi)(mi)(mi))，說(shuo)明(ming)房(fang)(fang)(fang)(fang)(fang)頂(ding)沒(mei)(mei)有(you)(you)(you)(you)(you)(you)(you)(you)傾斜。八、測(ce)(ce)墻(qiang)壁(bi)地(di)(di)(di)面(mian)(mian)  用(yong)(yong)(yong)長尺(chi)(或(huo)(huo)(huo)者(zhe)(zhe)帶(dai)有(you)(you)(you)(you)(you)(you)(you)(you)水(shui)(shui)(shui)(shui)平(ping)(ping)(ping)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)專(zhuan)用(yong)(yong)(yong)直尺(chi))靠墻(qiang)壁(bi)地(di)(di)(di)面(mian)(mian)，檢(jian)(jian)查(cha)(cha)(cha)(cha)是(shi)(shi)(shi)(shi)否(fou)(fou)(fou)(fou)(fou)(fou)(fou)(fou)(fou)(fou)平(ping)(ping)(ping)整，同(tong)(tong)(tong)時(shi)(shi)(shi)(shi)(shi)(shi)觀察是(shi)(shi)(shi)(shi)否(fou)(fou)(fou)(fou)(fou)(fou)(fou)(fou)(fou)(fou)有(you)(you)(you)(you)(you)(you)(you)(you)劃痕(hen)、裂紋，墻(qiang)面(mian)(mian)是(shi)(shi)(shi)(shi)否(fou)(fou)(fou)(fou)(fou)(fou)(fou)(fou)(fou)(fou)有(you)(you)(you)(you)(you)(you)(you)(you)爆(bao)(bao)點(生(sheng)(sheng)(sheng)(sheng)(sheng)石灰在生(sheng)(sheng)(sheng)(sheng)(sheng)成(cheng)熟石灰時(shi)(shi)(shi)(shi)(shi)(shi)因攪拌不(bu)勻沒(mei)(mei)發好(hao)，抹在墻(qiang)上(shang)(shang)(shang)干(gan)后就(jiu)(jiu)(jiu)(jiu)會(hui)形(xing)成(cheng)爆(bao)(bao)點)。九、測(ce)(ce)乳(ru)膠漆(qi)質量　墻(qiang)面(mian)(mian)天花板是(shi)(shi)(shi)(shi)否(fou)(fou)(fou)(fou)(fou)(fou)(fou)(fou)(fou)(fou)平(ping)(ping)(ping)整，周圍(wei)光(guang)線(xian)暗時(shi)(shi)(shi)(shi)(shi)(shi)自己帶(dai)大(da)功率燈(deng)(deng)泡(200w)照射，燈(deng)(deng)一(yi)(yi)(yi)亮，墻(qiang)壁(bi)天花板是(shi)(shi)(shi)(shi)否(fou)(fou)(fou)(fou)(fou)(fou)(fou)(fou)(fou)(fou)平(ping)(ping)(ping)整通(tong)(tong)(tong)過光(guang)線(xian)陰暗立刻(ke)(ke)就(jiu)(jiu)(jiu)(jiu)能(neng)看(kan)(kan)(kan)(kan)(kan)出(chu)。如(ru)(ru)(ru)果(guo)(guo)(guo)不(bu)平(ping)(ping)(ping)，要(yao)(yao)(yao)提(ti)(ti)出(chu)重新補膩子(zi)(zi)刷油(you)漆(qi)，如(ru)(ru)(ru)果(guo)(guo)(guo)局部(bu)(bu)剛剛修(xiu)補過會(hui)與墻(qiang)壁(bi)原色(se)產生(sheng)(sheng)(sheng)(sheng)(sheng)差異(yi)。十(shi)(shi)、檢(jian)(jian)查(cha)(cha)(cha)(cha)門(men)(men)上(shang)(shang)(shang)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)油(you)漆(qi)　用(yong)(yong)(yong)鏡子(zi)(zi)放(fang)(fang)到(dao)門(men)(men)頂(ding)部(bu)(bu)和(he)(he)(he)門(men)(men)底(di)部(bu)(bu)，檢(jian)(jian)查(cha)(cha)(cha)(cha)這(zhe)(zhe)些平(ping)(ping)(ping)時(shi)(shi)(shi)(shi)(shi)(shi)看(kan)(kan)(kan)(kan)(kan)不(bu)到(dao)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)地(di)(di)(di)方是(shi)(shi)(shi)(shi)否(fou)(fou)(fou)(fou)(fou)(fou)(fou)(fou)(fou)(fou)刷過油(you)漆(qi)。如(ru)(ru)(ru)果(guo)(guo)(guo)衛生(sheng)(sheng)(sheng)(sheng)(sheng)間(jian)(jian)門(men)(men)底(di)部(bu)(bu)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)油(you)漆(qi)沒(mei)(mei)有(you)(you)(you)(you)(you)(you)(you)(you)刷全，時(shi)(shi)(shi)(shi)(shi)(shi)間(jian)(jian)一(yi)(yi)(yi)長，因環(huan)境潮(chao)濕，衛生(sheng)(sheng)(sheng)(sheng)(sheng)間(jian)(jian)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)使用(yong)(yong)(yong)率又高，會(hui)使門(men)(men)底(di)部(bu)(bu)過早(zao)腐爛損壞。十(shi)(shi)一(yi)(yi)(yi)、檢(jian)(jian)查(cha)(cha)(cha)(cha)樓(lou)道(dao)(dao)(dao)窗(chuang)(chuang)(chuang)(chuang)戶(hu)(hu)  看(kan)(kan)(kan)(kan)(kan)樓(lou)道(dao)(dao)(dao)窗(chuang)(chuang)(chuang)(chuang)戶(hu)(hu)是(shi)(shi)(shi)(shi)否(fou)(fou)(fou)(fou)(fou)(fou)(fou)(fou)(fou)(fou)有(you)(you)(you)(you)(you)(you)(you)(you)紗(sha)窗(chuang)(chuang)(chuang)(chuang)，如(ru)(ru)(ru)果(guo)(guo)(guo)沒(mei)(mei)有(you)(you)(you)(you)(you)(you)(you)(you)，應(ying)(ying)及(ji)(ji)時(shi)(shi)(shi)(shi)(shi)(shi)提(ti)(ti)出(chu)補上(shang)(shang)(shang)。十(shi)(shi)二、檢(jian)(jian)查(cha)(cha)(cha)(cha)防(fang)(fang)(fang)盜(dao)(dao)門(men)(men)  檢(jian)(jian)查(cha)(cha)(cha)(cha)防(fang)(fang)(fang)盜(dao)(dao)門(men)(men)有(you)(you)(you)(you)(you)(you)(you)(you)無(wu)(wu)(wu)劃痕(hen)，門(men)(men)邊是(shi)(shi)(shi)(shi)否(fou)(fou)(fou)(fou)(fou)(fou)(fou)(fou)(fou)(fou)變(bian)形(xing)，門(men)(men)與框的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)密封(feng)是(shi)(shi)(shi)(shi)否(fou)(fou)(fou)(fou)(fou)(fou)(fou)(fou)(fou)(fou)嚴密，同(tong)(tong)(tong)時(shi)(shi)(shi)(shi)(shi)(shi)門(men)(men)和(he)(he)(he)鎖開(kai)(kai)(kai)關(guan)應(ying)(ying)靈(ling)活。十(shi)(shi)三、檢(jian)(jian)查(cha)(cha)(cha)(cha)門(men)(men)窗(chuang)(chuang)(chuang)(chuang)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)密封(feng)性(xing)(xing)  用(yong)(yong)(yong)一(yi)(yi)(yi)長紙(zhi)(zhi)條放(fang)(fang)在密封(feng)點上(shang)(shang)(shang)，關(guan)門(men)(men)壓(ya)住紙(zhi)(zhi)條用(yong)(yong)(yong)力(li)抽出(chu)，多(duo)次(ci)試驗(yan)看(kan)(kan)(kan)(kan)(kan)密封(feng)條的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)壓(ya)力(li)是(shi)(shi)(shi)(shi)否(fou)(fou)(fou)(fou)(fou)(fou)(fou)(fou)(fou)(fou)均(jun)勻。 十(shi)(shi)四(si)、檢(jian)(jian)查(cha)(cha)(cha)(cha)窗(chuang)(chuang)(chuang)(chuang)戶(hu)(hu)　推(tui)拉窗(chuang)(chuang)(chuang)(chuang)上(shang)(shang)(shang)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)紗(sha)窗(chuang)(chuang)(chuang)(chuang)和(he)(he)(he)窗(chuang)(chuang)(chuang)(chuang)扇(shan)，應(ying)(ying)推(tui)動(dong)(dong)靈(ling)活，相互無(wu)(wu)(wu)碰撞才對(dui)。窗(chuang)(chuang)(chuang)(chuang)戶(hu)(hu)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)外窗(chuang)(chuang)(chuang)(chuang)框上(shang)(shang)(shang)應(ying)(ying)有(you)(you)(you)(you)(you)(you)(you)(you)防(fang)(fang)(fang)堵帽，防(fang)(fang)(fang)止異(yi)物(wu)堵塞(sai)(sai)影響(xiang)排(pai)水(shui)(shui)(shui)(shui)，導致(zhi)下(xia)(xia)(xia)雨時(shi)(shi)(shi)(shi)(shi)(shi)窗(chuang)(chuang)(chuang)(chuang)戶(hu)(hu)進(jin)水(shui)(shui)(shui)(shui)。雙層(ceng)(ceng)玻(bo)璃里外都(dou)擦(ca)不(bu)干(gan)凈時(shi)(shi)(shi)(shi)(shi)(shi)應(ying)(ying)提(ti)(ti)出(chu)拆(chai)換玻(bo)璃，否(fou)(fou)(fou)(fou)(fou)(fou)(fou)(fou)(fou)(fou)則(ze)以(yi)(yi)后就(jiu)(jiu)(jiu)(jiu)更(geng)不(bu)容易解決了。 十(shi)(shi)五(wu)、檢(jian)(jian)查(cha)(cha)(cha)(cha)管(guan)(guan)道(dao)(dao)(dao)安裝(zhuang)、排(pai)水(shui)(shui)(shui)(shui)和(he)(he)(he)密封(feng)　用(yong)(yong)(yong)手(shou)使勁晃動(dong)(dong)暖氣(qi)(qi)管(guan)(guan)和(he)(he)(he)上(shang)(shang)(shang)水(shui)(shui)(shui)(shui)管(guan)(guan)，應(ying)(ying)固(gu)(gu)(gu)定牢固(gu)(gu)(gu)。如(ru)(ru)(ru)果(guo)(guo)(guo)松動(dong)(dong)，應(ying)(ying)重新固(gu)(gu)(gu)定。打開(kai)(kai)(kai)水(shui)(shui)(shui)(shui)閥看(kan)(kan)(kan)(kan)(kan)排(pai)水(shui)(shui)(shui)(shui)是(shi)(shi)(shi)(shi)否(fou)(fou)(fou)(fou)(fou)(fou)(fou)(fou)(fou)(fou)流(liu)暢(因為下(xia)(xia)(xia)水(shui)(shui)(shui)(shui)管(guan)(guan)有(you)(you)(you)(you)(you)(you)(you)(you)可(ke)(ke)能(neng)被(bei)建筑垃(la)圾(ji)堵塞(sai)(sai))，放(fang)(fang)水(shui)(shui)(shui)(shui)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)同(tong)(tong)(tong)時(shi)(shi)(shi)(shi)(shi)(shi)用(yong)(yong)(yong)衛生(sheng)(sheng)(sheng)(sheng)(sheng)紙(zhi)(zhi)擦(ca)拭上(shang)(shang)(shang)下(xia)(xia)(xia)管(guan)(guan)道(dao)(dao)(dao)，看(kan)(kan)(kan)(kan)(kan)底(di)部(bu)(bu)有(you)(you)(you)(you)(you)(you)(you)(you)無(wu)(wu)(wu)滲漏(lou)。 十(shi)(shi)六、檢(jian)(jian)查(cha)(cha)(cha)(cha)廚房(fang)(fang)(fang)(fang)(fang)和(he)(he)(he)衛生(sheng)(sheng)(sheng)(sheng)(sheng)間(jian)(jian)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)瓷(ci)磚(zhuan)　廚房(fang)(fang)(fang)(fang)(fang)和(he)(he)(he)衛生(sheng)(sheng)(sheng)(sheng)(sheng)間(jian)(jian)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)瓷(ci)磚(zhuan)是(shi)(shi)(shi)(shi)到(dao)頂(ding)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)，要(yao)(yao)(yao)檢(jian)(jian)查(cha)(cha)(cha)(cha)陰角(jiao)陽角(jiao)是(shi)(shi)(shi)(shi)否(fou)(fou)(fou)(fou)(fou)(fou)(fou)(fou)(fou)(fou)達90度，四(si)角(jiao)應(ying)(ying)無(wu)(wu)(wu)磕碰(房(fang)(fang)(fang)(fang)(fang)頂(ding)四(si)角(jiao)和(he)(he)(he)地(di)(di)(di)面(mian)(mian)四(si)角(jiao))，地(di)(di)(di)磚(zhuan)墻(qiang)磚(zhuan)是(shi)(shi)(shi)(shi)否(fou)(fou)(fou)(fou)(fou)(fou)(fou)(fou)(fou)(fou)變(bian)形(xing)開(kai)(kai)(kai)裂和(he)(he)(he)空(kong)鼓(gu)(gu)。用(yong)(yong)(yong)小錘(chui)(chui)敲擊地(di)(di)(di)磚(zhuan)和(he)(he)(he)墻(qiang)磚(zhuan)，聽到(dao)有(you)(you)(you)(you)(you)(you)(you)(you)空(kong)洞(dong)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)聲(sheng)音(yin)，說(shuo)明(ming)沒(mei)(mei)有(you)(you)(you)(you)(you)(you)(you)(you)鋪設(she)好(hao)，這(zhe)(zhe)樣(yang)時(shi)(shi)(shi)(shi)(shi)(shi)間(jian)(jian)久了可(ke)(ke)能(neng)會(hui)出(chu)現(xian)(xian)瓷(ci)磚(zhuan)開(kai)(kai)(kai)裂和(he)(he)(he)脫落，應(ying)(ying)重新鋪設(she)。十(shi)(shi)七(qi)、做閉水(shui)(shui)(shui)(shui)試驗(yan)　將廚房(fang)(fang)(fang)(fang)(fang)、衛生(sheng)(sheng)(sheng)(sheng)(sheng)間(jian)(jian)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)地(di)(di)(di)漏(lou)塞(sai)(sai)住(可(ke)(ke)用(yong)(yong)(yong)膠袋裝(zhuang)上(shang)(shang)(shang)沙土(tu)封(feng)閉)，同(tong)(tong)(tong)時(shi)(shi)(shi)(shi)(shi)(shi)在地(di)(di)(di)漏(lou)邊上(shang)(shang)(shang)和(he)(he)(he)門(men)(men)口(kou)砌一(yi)(yi)(yi)個(ge)小墩以(yi)(yi)隔水(shui)(shui)(shui)(shui)，在室(shi)內(nei)注(zhu)不(bu)低于2厘米(mi)(mi)(mi)深的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)水(shui)(shui)(shui)(shui)，經過24小時(shi)(shi)(shi)(shi)(shi)(shi)后看(kan)(kan)(kan)(kan)(kan)樓(lou)下(xia)(xia)(xia)是(shi)(shi)(shi)(shi)否(fou)(fou)(fou)(fou)(fou)(fou)(fou)(fou)(fou)(fou)漏(lou)水(shui)(shui)(shui)(shui)。如(ru)(ru)(ru)果(guo)(guo)(guo)有(you)(you)(you)(you)(you)(you)(you)(you)滲漏(lou)情(qing)況(kuang)，應(ying)(ying)立即告知物(wu)業(ye)，要(yao)(yao)(yao)求(qiu)維修(xiu)。  十(shi)(shi)八、檢(jian)(jian)查(cha)(cha)(cha)(cha)衛生(sheng)(sheng)(sheng)(sheng)(sheng)間(jian)(jian)   衛生(sheng)(sheng)(sheng)(sheng)(sheng)間(jian)(jian)如(ru)(ru)(ru)果(guo)(guo)(guo)在樓(lou)道(dao)(dao)(dao)內(nei)且(qie)有(you)(you)(you)(you)(you)(you)(you)(you)窗(chuang)(chuang)(chuang)(chuang)戶(hu)(hu)，應(ying)(ying)該安裝(zhuang)防(fang)(fang)(fang)盜(dao)(dao)網；如(ru)(ru)(ru)若沒(mei)(mei)有(you)(you)(you)(you)(you)(you)(you)(you)窗(chuang)(chuang)(chuang)(chuang)戶(hu)(hu)，則(ze)應(ying)(ying)有(you)(you)(you)(you)(you)(you)(you)(you)通(tong)(tong)(tong)風(feng)孔(kong)。通(tong)(tong)(tong)風(feng)孔(kong)設(she)在吊(diao)頂(ding)下(xia)(xia)(xia)面(mian)(mian)。離通(tong)(tong)(tong)風(feng)孔(kong)＊近的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)插(cha)(cha)(cha)(cha)(cha)座一(yi)(yi)(yi)定要(yao)(yao)(yao)是(shi)(shi)(shi)(shi)防(fang)(fang)(fang)水(shui)(shui)(shui)(shui)插(cha)(cha)(cha)(cha)(cha)座。十(shi)(shi)九、檢(jian)(jian)查(cha)(cha)(cha)(cha)暖氣(qi)(qi)片　暖氣(qi)(qi)片上(shang)(shang)(shang)方應(ying)(ying)有(you)(you)(you)(you)(you)(you)(you)(you)排(pai)氣(qi)(qi)孔(kong)，使用(yong)(yong)(yong)時(shi)(shi)(shi)(shi)(shi)(shi)應(ying)(ying)可(ke)(ke)以(yi)(yi)擰動(dong)(dong)將氣(qi)(qi)體排(pai)掉。如(ru)(ru)(ru)果(guo)(guo)(guo)擰不(bu)動(dong)(dong)就(jiu)(jiu)(jiu)(jiu)需(xu)要(yao)(yao)(yao)修(xiu)理，否(fou)(fou)(fou)(fou)(fou)(fou)(fou)(fou)(fou)(fou)則(ze)氣(qi)(qi)排(pai)不(bu)出(chu)來(lai)，暖氣(qi)(qi)片不(bu)熱;暖氣(qi)(qi)片安裝(zhuang)時(shi)(shi)(shi)(shi)(shi)(shi)進(jin)水(shui)(shui)(shui)(shui)管(guan)(guan)和(he)(he)(he)回水(shui)(shui)(shui)(shui)管(guan)(guan)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)坡度要(yao)(yao)(yao)符合要(yao)(yao)(yao)求(qiu)，否(fou)(fou)(fou)(fou)(fou)(fou)(fou)(fou)(fou)(fou)則(ze)會(hui)影響(xiang)采(cai)暖。

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”[房產百科(ke)]

房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)貸(dai)(dai)(dai)實(shi)(shi)施(shi)(shi)(shi)新(xin)(xin)規 多(duo)(duo)家(jia)銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)個(ge)(ge)(ge)(ge)(ge)(ge)人(ren)(ren)(ren)按(an)揭額(e)(e)(e)度(du)(du)(du)(du)(du)收(shou)緊(jin)(jin) 每(mei)(mei)經記(ji)(ji)(ji)(ji)(ji)者(zhe)(zhe)實(shi)(shi)探(tan)滬深兩地(di)(di)(di)(di)(di)(di)(di)(di)(di)：有(you)(you)(you)(you)(you)銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)＊早3月(yue)(yue)(yue)放(fang)(fang)(fang)(fang)款(kuan)(kuan)(kuan)(kuan)(kuan)，有(you)(you)(you)(you)(you)銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)“無(wu)(wu)限(xian)(xian)期(qi)(qi)(qi)(qi)(qi)”每(mei)(mei)日(ri)經濟(ji)新(xin)(xin)聞每(mei)(mei)經記(ji)(ji)(ji)(ji)(ji)者(zhe)(zhe) 胡琳(lin) 李玉(yu)雯????每(mei)(mei)經編輯 廖丹????在(zai)(zai)(zai)2020年(nian)(nian)(nian)(nian)(nian)(nian)(nian)(nian)＊后一(yi)(yi)(yi)天，人(ren)(ren)(ren)民銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)、銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)保(bao)監(jian)(jian)會(hui)(hui)(hui)(hui)聯手放(fang)(fang)(fang)(fang)出(chu)(chu)(chu)(chu)大(da)(da)招(zhao)(zhao)，《關于(yu)(yu)建(jian)立(li)銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)業(ye)(ye)(ye)金(jin)(jin)(jin)(jin)(jin)融機(ji)(ji)(ji)(ji)構(gou)(gou)房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)地(di)(di)(di)(di)(di)(di)(di)(di)(di)產(chan)(chan)(chan)(chan)(chan)貸(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)集(ji)(ji)中(zhong)(zhong)(zhong)度(du)(du)(du)(du)(du)管(guan)(guan)理(li)制(zhi)(zhi)(zhi)度(du)(du)(du)(du)(du)的(de)(de)(de)(de)(de)(de)(de)(de)(de)通(tong)(tong)(tong)知(zhi)》重磅出(chu)(chu)(chu)(chu)臺(tai)。1月(yue)(yue)(yue)15日(ri)，央(yang)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)金(jin)(jin)(jin)(jin)(jin)融市(shi)(shi)(shi)場(chang)司(si)司(si)長(chang)(chang)鄒(zou)瀾在(zai)(zai)(zai)2020年(nian)(nian)(nian)(nian)(nian)(nian)(nian)(nian)金(jin)(jin)(jin)(jin)(jin)融統計(ji)(ji)數(shu)據新(xin)(xin)聞發(fa)布會(hui)(hui)(hui)(hui)上(shang)(shang)(shang)(shang)(shang)(shang)表(biao)(biao)(biao)示(shi)(shi)，近年(nian)(nian)(nian)(nian)(nian)(nian)(nian)(nian)來(lai)，人(ren)(ren)(ren)民銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)堅持(chi)“房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)子(zi)(zi)是(shi)(shi)(shi)(shi)(shi)(shi)用來(lai)住(zhu)(zhu)的(de)(de)(de)(de)(de)(de)(de)(de)(de)，不(bu)(bu)(bu)(bu)是(shi)(shi)(shi)(shi)(shi)(shi)用來(lai)炒(chao)(chao)的(de)(de)(de)(de)(de)(de)(de)(de)(de)”定(ding)(ding)位(wei)，緊(jin)(jin)緊(jin)(jin)圍繞穩(wen)(wen)地(di)(di)(di)(di)(di)(di)(di)(di)(di)價、穩(wen)(wen)房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)價、穩(wen)(wen)預期(qi)(qi)(qi)(qi)(qi)的(de)(de)(de)(de)(de)(de)(de)(de)(de)目(mu)標全(quan)(quan)面(mian)落(luo)實(shi)(shi)房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)地(di)(di)(di)(di)(di)(di)(di)(di)(di)產(chan)(chan)(chan)(chan)(chan)長(chang)(chang)效(xiao)機(ji)(ji)(ji)(ji)制(zhi)(zhi)(zhi)，加(jia)強(qiang)房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)地(di)(di)(di)(di)(di)(di)(di)(di)(di)產(chan)(chan)(chan)(chan)(chan)金(jin)(jin)(jin)(jin)(jin)融管(guan)(guan)理(li)。實(shi)(shi)際上(shang)(shang)(shang)(shang)(shang)(shang)，近年(nian)(nian)(nian)(nian)(nian)(nian)(nian)(nian)來(lai)，政(zheng)策(ce)(ce)層(ceng)面(mian)一(yi)(yi)(yi)直(zhi)強(qiang)調(diao)從(cong)(cong)嚴(yan)調(diao)控(kong)房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)地(di)(di)(di)(di)(di)(di)(di)(di)(di)產(chan)(chan)(chan)(chan)(chan)市(shi)(shi)(shi)場(chang)，建(jian)立(li)房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)地(di)(di)(di)(di)(di)(di)(di)(di)(di)產(chan)(chan)(chan)(chan)(chan)調(diao)控(kong)長(chang)(chang)效(xiao)機(ji)(ji)(ji)(ji)制(zhi)(zhi)(zhi)并防范過(guo)(guo)熱(re)風險。堅持(chi)“房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)住(zhu)(zhu)不(bu)(bu)(bu)(bu)炒(chao)(chao)”的(de)(de)(de)(de)(de)(de)(de)(de)(de)定(ding)(ding)位(wei)無(wu)(wu)疑(yi)有(you)(you)(you)(you)(you)利(li)于(yu)(yu)市(shi)(shi)(shi)場(chang)主(zhu)體(ti)(ti)(ti)形成(cheng)(cheng)穩(wen)(wen)定(ding)(ding)的(de)(de)(de)(de)(de)(de)(de)(de)(de)政(zheng)策(ce)(ce)預期(qi)(qi)(qi)(qi)(qi)，有(you)(you)(you)(you)(you)利(li)于(yu)(yu)房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)地(di)(di)(di)(di)(di)(di)(di)(di)(di)產(chan)(chan)(chan)(chan)(chan)市(shi)(shi)(shi)場(chang)平穩(wen)(wen)健康(kang)(kang)可持(chi)續(xu)(xu)發(fa)展(zhan)(zhan)。但(dan)同時(shi)(shi)也給(gei)相(xiang)關銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)業(ye)(ye)(ye)務(wu)戴(dai)上(shang)(shang)(shang)(shang)(shang)(shang)了緊(jin)(jin)箍咒。近期(qi)(qi)(qi)(qi)(qi)，《每(mei)(mei)日(ri)經濟(ji)新(xin)(xin)聞》記(ji)(ji)(ji)(ji)(ji)者(zhe)(zhe)調(diao)查了上(shang)(shang)(shang)(shang)(shang)(shang)海(hai)(hai)、深圳兩地(di)(di)(di)(di)(di)(di)(di)(di)(di)個(ge)(ge)(ge)(ge)(ge)(ge)人(ren)(ren)(ren)住(zhu)(zhu)房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)貸(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)情況，發(fa)現(xian)多(duo)(duo)家(jia)銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)額(e)(e)(e)度(du)(du)(du)(du)(du)收(shou)緊(jin)(jin)，甚(shen)者(zhe)(zhe)在(zai)(zai)(zai)上(shang)(shang)(shang)(shang)(shang)(shang)海(hai)(hai)地(di)(di)(di)(di)(di)(di)(di)(di)(di)區有(you)(you)(you)(you)(you)股份行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)表(biao)(biao)(biao)示(shi)(shi)放(fang)(fang)(fang)(fang)款(kuan)(kuan)(kuan)(kuan)(kuan)時(shi)(shi)間(jian)(jian)(jian)無(wu)(wu)限(xian)(xian)期(qi)(qi)(qi)(qi)(qi)。新(xin)(xin)華(hua)社圖有(you)(you)(you)(you)(you)銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)放(fang)(fang)(fang)(fang)款(kuan)(kuan)(kuan)(kuan)(kuan)時(shi)(shi)間(jian)(jian)(jian)“無(wu)(wu)限(xian)(xian)期(qi)(qi)(qi)(qi)(qi)”招(zhao)(zhao)商銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)上(shang)(shang)(shang)(shang)(shang)(shang)海(hai)(hai)地(di)(di)(di)(di)(di)(di)(di)(di)(di)區一(yi)(yi)(yi)支(zhi)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)工(gong)(gong)(gong)作(zuo)(zuo)(zuo)(zuo)(zuo)人(ren)(ren)(ren)員(yuan)告(gao)訴(su)(su)記(ji)(ji)(ji)(ji)(ji)者(zhe)(zhe)，房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)貸(dai)(dai)(dai)新(xin)(xin)規出(chu)(chu)(chu)(chu)來(lai)以后，其所在(zai)(zai)(zai)的(de)(de)(de)(de)(de)(de)(de)(de)(de)銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)在(zai)(zai)(zai)房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)貸(dai)(dai)(dai)額(e)(e)(e)度(du)(du)(du)(du)(du)上(shang)(shang)(shang)(shang)(shang)(shang)劃得(de)非常(chang)緊(jin)(jin)，現(xian)在(zai)(zai)(zai)放(fang)(fang)(fang)(fang)款(kuan)(kuan)(kuan)(kuan)(kuan)很慢，沒辦法確(que)保(bao)時(shi)(shi)效(xiao)。“我們這(zhe)(zhe)邊現(xian)在(zai)(zai)(zai)額(e)(e)(e)度(du)(du)(du)(du)(du)相(xiang)當少，如(ru)果客戶(hu)決(jue)定(ding)(ding)現(xian)在(zai)(zai)(zai)做，我們不(bu)(bu)(bu)(bu)確(que)定(ding)(ding)什么時(shi)(shi)候能(neng)(neng)放(fang)(fang)(fang)(fang)款(kuan)(kuan)(kuan)(kuan)(kuan)，給(gei)到(dao)(dao)(dao)(dao)的(de)(de)(de)(de)(de)(de)(de)(de)(de)回復(fu)只能(neng)(neng)是(shi)(shi)(shi)(shi)(shi)(shi)無(wu)(wu)限(xian)(xian)期(qi)(qi)(qi)(qi)(qi)。”類似地(di)(di)(di)(di)(di)(di)(di)(di)(di)，興業(ye)(ye)(ye)銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)上(shang)(shang)(shang)(shang)(shang)(shang)海(hai)(hai)某支(zhi)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)信(xin)貸(dai)(dai)(dai)人(ren)(ren)(ren)員(yuan)表(biao)(biao)(biao)示(shi)(shi)：“個(ge)(ge)(ge)(ge)(ge)(ge)人(ren)(ren)(ren)首(shou)套房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)目(mu)前沒有(you)(you)(you)(you)(you)貸(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)額(e)(e)(e)度(du)(du)(du)(du)(du)，現(xian)在(zai)(zai)(zai)放(fang)(fang)(fang)(fang)不(bu)(bu)(bu)(bu)了款(kuan)(kuan)(kuan)(kuan)(kuan)，起(qi)(qi)碼要(yao)到(dao)(dao)(dao)(dao)6月(yue)(yue)(yue)份才能(neng)(neng)放(fang)(fang)(fang)(fang)款(kuan)(kuan)(kuan)(kuan)(kuan)。如(ru)果是(shi)(shi)(shi)(shi)(shi)(shi)二(er)套房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)可能(neng)(neng)會(hui)(hui)(hui)(hui)快一(yi)(yi)(yi)點(dian)，但(dan)是(shi)(shi)(shi)(shi)(shi)(shi)現(xian)在(zai)(zai)(zai)額(e)(e)(e)度(du)(du)(du)(du)(du)也很緊(jin)(jin)張，什么時(shi)(shi)候放(fang)(fang)(fang)(fang)款(kuan)(kuan)(kuan)(kuan)(kuan)我們也不(bu)(bu)(bu)(bu)好說。”這(zhe)(zhe)并非個(ge)(ge)(ge)(ge)(ge)(ge)例，該(gai)信(xin)貸(dai)(dai)(dai)人(ren)(ren)(ren)員(yuan)告(gao)訴(su)(su)記(ji)(ji)(ji)(ji)(ji)者(zhe)(zhe)，上(shang)(shang)(shang)(shang)(shang)(shang)海(hai)(hai)地(di)(di)(di)(di)(di)(di)(di)(di)(di)區該(gai)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)各(ge)(ge)(ge)家(jia)網點(dian)基本都是(shi)(shi)(shi)(shi)(shi)(shi)同樣的(de)(de)(de)(de)(de)(de)(de)(de)(de)情況。記(ji)(ji)(ji)(ji)(ji)者(zhe)(zhe)從(cong)(cong)浦(pu)發(fa)銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)上(shang)(shang)(shang)(shang)(shang)(shang)海(hai)(hai)一(yi)(yi)(yi)支(zhi)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)了解(jie)到(dao)(dao)(dao)(dao)，該(gai)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)每(mei)(mei)個(ge)(ge)(ge)(ge)(ge)(ge)月(yue)(yue)(yue)對房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)貸(dai)(dai)(dai)會(hui)(hui)(hui)(hui)控(kong)額(e)(e)(e)，目(mu)前從(cong)(cong)受理(li)到(dao)(dao)(dao)(dao)放(fang)(fang)(fang)(fang)款(kuan)(kuan)(kuan)(kuan)(kuan)整(zheng)個(ge)(ge)(ge)(ge)(ge)(ge)過(guo)(guo)程需要(yao)一(yi)(yi)(yi)個(ge)(ge)(ge)(ge)(ge)(ge)多(duo)(duo)月(yue)(yue)(yue)。“這(zhe)(zhe)是(shi)(shi)(shi)(shi)(shi)(shi)＊起(qi)(qi)碼的(de)(de)(de)(de)(de)(de)(de)(de)(de)時(shi)(shi)間(jian)(jian)(jian)了，跟以前差不(bu)(bu)(bu)(bu)多(duo)(duo)，我們還好一(yi)(yi)(yi)些，本來(lai)就一(yi)(yi)(yi)直(zhi)在(zai)(zai)(zai)控(kong)（額(e)(e)(e)度(du)(du)(du)(du)(du)），現(xian)在(zai)(zai)(zai)有(you)(you)(you)(you)(you)些銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)（放(fang)(fang)(fang)(fang)款(kuan)(kuan)(kuan)(kuan)(kuan)）要(yao)三(san)四個(ge)(ge)(ge)(ge)(ge)(ge)月(yue)(yue)(yue)。”對比(bi)(bi)上(shang)(shang)(shang)(shang)(shang)(shang)海(hai)(hai)無(wu)(wu)限(xian)(xian)期(qi)(qi)(qi)(qi)(qi)的(de)(de)(de)(de)(de)(de)(de)(de)(de)放(fang)(fang)(fang)(fang)款(kuan)(kuan)(kuan)(kuan)(kuan)時(shi)(shi)間(jian)(jian)(jian)，深圳地(di)(di)(di)(di)(di)(di)(di)(di)(di)區倒(dao)是(shi)(shi)(shi)(shi)(shi)(shi)給(gei)了明(ming)確(que)的(de)(de)(de)(de)(de)(de)(de)(de)(de)時(shi)(shi)間(jian)(jian)(jian)線(xian)。《每(mei)(mei)日(ri)經濟(ji)新(xin)(xin)聞》采訪了4家(jia)銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)二(er)手樓住(zhu)(zhu)房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)貸(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)業(ye)(ye)(ye)務(wu)，除了農業(ye)(ye)(ye)銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)工(gong)(gong)(gong)作(zuo)(zuo)(zuo)(zuo)(zuo)人(ren)(ren)(ren)員(yuan)表(biao)(biao)(biao)示(shi)(shi)具體(ti)(ti)(ti)放(fang)(fang)(fang)(fang)貸(dai)(dai)(dai)時(shi)(shi)間(jian)(jian)(jian)不(bu)(bu)(bu)(bu)好說以外，工(gong)(gong)(gong)商銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)、交(jiao)(jiao)通(tong)(tong)(tong)銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)、招(zhao)(zhao)商銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)給(gei)出(chu)(chu)(chu)(chu)的(de)(de)(de)(de)(de)(de)(de)(de)(de)時(shi)(shi)間(jian)(jian)(jian)都是(shi)(shi)(shi)(shi)(shi)(shi)3月(yue)(yue)(yue)可能(neng)(neng)會(hui)(hui)(hui)(hui)放(fang)(fang)(fang)(fang)貸(dai)(dai)(dai)下來(lai)。“現(xian)在(zai)(zai)(zai)如(ru)果你辦理(li)，預計(ji)(ji)在(zai)(zai)(zai)3月(yue)(yue)(yue)份放(fang)(fang)(fang)(fang)款(kuan)(kuan)(kuan)(kuan)(kuan)。”招(zhao)(zhao)商銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)工(gong)(gong)(gong)作(zuo)(zuo)(zuo)(zuo)(zuo)人(ren)(ren)(ren)員(yuan)補(bu)充(chong)道(dao)，之后就不(bu)(bu)(bu)(bu)確(que)定(ding)(ding)了，因(yin)(yin)為(wei)(wei)這(zhe)(zhe)個(ge)(ge)(ge)(ge)(ge)(ge)事(shi)隨時(shi)(shi)都會(hui)(hui)(hui)(hui)變(bian)化的(de)(de)(de)(de)(de)(de)(de)(de)(de)。招(zhao)(zhao)商銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)工(gong)(gong)(gong)作(zuo)(zuo)(zuo)(zuo)(zuo)人(ren)(ren)(ren)員(yuan)并未(wei)過(guo)(guo)多(duo)(duo)透露額(e)(e)(e)度(du)(du)(du)(du)(du)緊(jin)(jin)張的(de)(de)(de)(de)(de)(de)(de)(de)(de)原因(yin)(yin)，工(gong)(gong)(gong)商銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)工(gong)(gong)(gong)作(zuo)(zuo)(zuo)(zuo)(zuo)人(ren)(ren)(ren)員(yuan)稱則是(shi)(shi)(shi)(shi)(shi)(shi)因(yin)(yin)為(wei)(wei)月(yue)(yue)(yue)底沒額(e)(e)(e)度(du)(du)(du)(du)(du)加(jia)上(shang)(shang)(shang)(shang)(shang)(shang)過(guo)(guo)年(nian)(nian)(nian)(nian)(nian)(nian)(nian)(nian)的(de)(de)(de)(de)(de)(de)(de)(de)(de)原因(yin)(yin)。“一(yi)(yi)(yi)個(ge)(ge)(ge)(ge)(ge)(ge)月(yue)(yue)(yue)的(de)(de)(de)(de)(de)(de)(de)(de)(de)樣子(zi)(zi)吧(ba)(ba)，從(cong)(cong)你遞(di)資料、審批(pi)到(dao)(dao)(dao)(dao)放(fang)(fang)(fang)(fang)款(kuan)(kuan)(kuan)(kuan)(kuan)，一(yi)(yi)(yi)般(ban)一(yi)(yi)(yi)個(ge)(ge)(ge)(ge)(ge)(ge)月(yue)(yue)(yue)左(zuo)右吧(ba)(ba)。”記(ji)(ji)(ji)(ji)(ji)者(zhe)(zhe)進(jin)一(yi)(yi)(yi)步(bu)(bu)詢問是(shi)(shi)(shi)(shi)(shi)(shi)否(fou)大(da)(da)概2月(yue)(yue)(yue)底能(neng)(neng)夠放(fang)(fang)(fang)(fang)款(kuan)(kuan)(kuan)(kuan)(kuan)，該(gai)工(gong)(gong)(gong)作(zuo)(zuo)(zuo)(zuo)(zuo)人(ren)(ren)(ren)員(yuan)稱，估(gu)計(ji)(ji)要(yao)等(deng)3月(yue)(yue)(yue)初，一(yi)(yi)(yi)般(ban)月(yue)(yue)(yue)底沒有(you)(you)(you)(you)(you)款(kuan)(kuan)(kuan)(kuan)(kuan)放(fang)(fang)(fang)(fang)。實(shi)(shi)際上(shang)(shang)(shang)(shang)(shang)(shang)，記(ji)(ji)(ji)(ji)(ji)者(zhe)(zhe)在(zai)(zai)(zai)去(qu)年(nian)(nian)(nian)(nian)(nian)(nian)(nian)(nian)年(nian)(nian)(nian)(nian)(nian)(nian)(nian)(nian)末走訪各(ge)(ge)(ge)大(da)(da)銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)時(shi)(shi)，不(bu)(bu)(bu)(bu)少銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)就表(biao)(biao)(biao)示(shi)(shi)年(nian)(nian)(nian)(nian)(nian)(nian)(nian)(nian)底額(e)(e)(e)度(du)(du)(du)(du)(du)緊(jin)(jin)張。這(zhe)(zhe)一(yi)(yi)(yi)說法也得(de)到(dao)(dao)(dao)(dao)交(jiao)(jiao)通(tong)(tong)(tong)銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)工(gong)(gong)(gong)作(zuo)(zuo)(zuo)(zuo)(zuo)人(ren)(ren)(ren)員(yuan)印證，據交(jiao)(jiao)通(tong)(tong)(tong)銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)工(gong)(gong)(gong)作(zuo)(zuo)(zuo)(zuo)(zuo)人(ren)(ren)(ren)員(yuan)透露，去(qu)年(nian)(nian)(nian)(nian)(nian)(nian)(nian)(nian)10月(yue)(yue)(yue)，部分銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)的(de)(de)(de)(de)(de)(de)(de)(de)(de)個(ge)(ge)(ge)(ge)(ge)(ge)人(ren)(ren)(ren)住(zhu)(zhu)房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)貸(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)業(ye)(ye)(ye)務(wu)到(dao)(dao)(dao)(dao)目(mu)前都還沒有(you)(you)(you)(you)(you)放(fang)(fang)(fang)(fang)款(kuan)(kuan)(kuan)(kuan)(kuan)。“我們現(xian)在(zai)(zai)(zai)放(fang)(fang)(fang)(fang)款(kuan)(kuan)(kuan)(kuan)(kuan)沒那(nei)么快的(de)(de)(de)(de)(de)(de)(de)(de)(de)。”交(jiao)(jiao)通(tong)(tong)(tong)銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)工(gong)(gong)(gong)作(zuo)(zuo)(zuo)(zuo)(zuo)人(ren)(ren)(ren)員(yuan)表(biao)(biao)(biao)示(shi)(shi)。當記(ji)(ji)(ji)(ji)(ji)者(zhe)(zhe)問起(qi)(qi)3月(yue)(yue)(yue)能(neng)(neng)否(fou)放(fang)(fang)(fang)(fang)款(kuan)(kuan)(kuan)(kuan)(kuan)時(shi)(shi)，該(gai)工(gong)(gong)(gong)作(zuo)(zuo)(zuo)(zuo)(zuo)人(ren)(ren)(ren)員(yuan)告(gao)訴(su)(su)記(ji)(ji)(ji)(ji)(ji)者(zhe)(zhe)：“3月(yue)(yue)(yue)可能(neng)(neng)是(shi)(shi)(shi)(shi)(shi)(shi)＊快的(de)(de)(de)(de)(de)(de)(de)(de)(de)了，今年(nian)(nian)(nian)(nian)(nian)(nian)(nian)(nian)的(de)(de)(de)(de)(de)(de)(de)(de)(de)形勢(shi)特別(bie)(bie)(bie)嚴(yan)峻，總體(ti)(ti)(ti)上(shang)(shang)(shang)(shang)(shang)(shang)央(yang)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)會(hui)(hui)(hui)(hui)壓降房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)貸(dai)(dai)(dai)的(de)(de)(de)(de)(de)(de)(de)(de)(de)額(e)(e)(e)度(du)(du)(du)(du)(du)。”堅持(chi)“房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)住(zhu)(zhu)不(bu)(bu)(bu)(bu)炒(chao)(chao)”定(ding)(ding)位(wei)有(you)(you)(you)(you)(you)銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)工(gong)(gong)(gong)作(zuo)(zuo)(zuo)(zuo)(zuo)人(ren)(ren)(ren)員(yuan)提及(ji)，房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)貸(dai)(dai)(dai)額(e)(e)(e)度(du)(du)(du)(du)(du)緊(jin)(jin)張是(shi)(shi)(shi)(shi)(shi)(shi)受房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)貸(dai)(dai)(dai)新(xin)(xin)規的(de)(de)(de)(de)(de)(de)(de)(de)(de)影(ying)響。在(zai)(zai)(zai)2020年(nian)(nian)(nian)(nian)(nian)(nian)(nian)(nian)＊后一(yi)(yi)(yi)天，人(ren)(ren)(ren)民銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)、銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)保(bao)監(jian)(jian)會(hui)(hui)(hui)(hui)聯合放(fang)(fang)(fang)(fang)出(chu)(chu)(chu)(chu)大(da)(da)招(zhao)(zhao)，出(chu)(chu)(chu)(chu)臺(tai)《關于(yu)(yu)建(jian)立(li)銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)業(ye)(ye)(ye)金(jin)(jin)(jin)(jin)(jin)融機(ji)(ji)(ji)(ji)構(gou)(gou)房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)地(di)(di)(di)(di)(di)(di)(di)(di)(di)產(chan)(chan)(chan)(chan)(chan)貸(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)集(ji)(ji)中(zhong)(zhong)(zhong)度(du)(du)(du)(du)(du)管(guan)(guan)理(li)制(zhi)(zhi)(zhi)度(du)(du)(du)(du)(du)的(de)(de)(de)(de)(de)(de)(de)(de)(de)通(tong)(tong)(tong)知(zhi)》，為(wei)(wei)銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)業(ye)(ye)(ye)金(jin)(jin)(jin)(jin)(jin)融機(ji)(ji)(ji)(ji)構(gou)(gou)房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)地(di)(di)(di)(di)(di)(di)(di)(di)(di)產(chan)(chan)(chan)(chan)(chan)貸(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)占(zhan)(zhan)(zhan)比(bi)(bi)、個(ge)(ge)(ge)(ge)(ge)(ge)人(ren)(ren)(ren)住(zhu)(zhu)房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)貸(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)占(zhan)(zhan)(zhan)比(bi)(bi)劃定(ding)(ding)“紅(hong)線(xian)”，上(shang)(shang)(shang)(shang)(shang)(shang)述通(tong)(tong)(tong)知(zhi)自2021年(nian)(nian)(nian)(nian)(nian)(nian)(nian)(nian)1月(yue)(yue)(yue)1日(ri)起(qi)(qi)實(shi)(shi)施(shi)(shi)(shi)。按(an)照(zhao)房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)地(di)(di)(di)(di)(di)(di)(di)(di)(di)產(chan)(chan)(chan)(chan)(chan)貸(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)集(ji)(ji)中(zhong)(zhong)(zhong)度(du)(du)(du)(du)(du)管(guan)(guan)理(li)要(yao)求，房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)地(di)(di)(di)(di)(di)(di)(di)(di)(di)產(chan)(chan)(chan)(chan)(chan)貸(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)占(zhan)(zhan)(zhan)比(bi)(bi)上(shang)(shang)(shang)(shang)(shang)(shang)限(xian)(xian)和(he)(he)個(ge)(ge)(ge)(ge)(ge)(ge)人(ren)(ren)(ren)住(zhu)(zhu)房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)貸(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)占(zhan)(zhan)(zhan)比(bi)(bi)上(shang)(shang)(shang)(shang)(shang)(shang)限(xian)(xian)分為(wei)(wei)五檔：中(zhong)(zhong)(zhong)資大(da)(da)型(xing)銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)分別(bie)(bie)(bie)是(shi)(shi)(shi)(shi)(shi)(shi)40%和(he)(he)32.5%，中(zhong)(zhong)(zhong)資中(zhong)(zhong)(zhong)型(xing)銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)分別(bie)(bie)(bie)是(shi)(shi)(shi)(shi)(shi)(shi)27.5%和(he)(he)20%，中(zhong)(zhong)(zhong)資小型(xing)銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)和(he)(he)非縣(xian)域(yu)農合機(ji)(ji)(ji)(ji)構(gou)(gou)分別(bie)(bie)(bie)是(shi)(shi)(shi)(shi)(shi)(shi)22.5%和(he)(he)17.5%，縣(xian)域(yu)農合機(ji)(ji)(ji)(ji)構(gou)(gou)分別(bie)(bie)(bie)是(shi)(shi)(shi)(shi)(shi)(shi)17.5%和(he)(he)12.5%，村鎮銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)分別(bie)(bie)(bie)是(shi)(shi)(shi)(shi)(shi)(shi)12.5%和(he)(he)7.5%。同時(shi)(shi)，“超(chao)標”的(de)(de)(de)(de)(de)(de)(de)(de)(de)銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)業(ye)(ye)(ye)金(jin)(jin)(jin)(jin)(jin)融機(ji)(ji)(ji)(ji)構(gou)(gou)則須限(xian)(xian)期(qi)(qi)(qi)(qi)(qi)整(zheng)改。具體(ti)(ti)(ti)來(lai)看，2020年(nian)(nian)(nian)(nian)(nian)(nian)(nian)(nian)12月(yue)(yue)(yue)末，銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)業(ye)(ye)(ye)金(jin)(jin)(jin)(jin)(jin)融機(ji)(ji)(ji)(ji)構(gou)(gou)房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)地(di)(di)(di)(di)(di)(di)(di)(di)(di)產(chan)(chan)(chan)(chan)(chan)貸(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)占(zhan)(zhan)(zhan)比(bi)(bi)、個(ge)(ge)(ge)(ge)(ge)(ge)人(ren)(ren)(ren)住(zhu)(zhu)房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)貸(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)占(zhan)(zhan)(zhan)比(bi)(bi)超(chao)出(chu)(chu)(chu)(chu)管(guan)(guan)理(li)要(yao)求，超(chao)出(chu)(chu)(chu)(chu)2個(ge)(ge)(ge)(ge)(ge)(ge)百(bai)分點(dian)以內的(de)(de)(de)(de)(de)(de)(de)(de)(de)，業(ye)(ye)(ye)務(wu)調(diao)整(zheng)過(guo)(guo)渡期(qi)(qi)(qi)(qi)(qi)為(wei)(wei)自上(shang)(shang)(shang)(shang)(shang)(shang)述通(tong)(tong)(tong)知(zhi)實(shi)(shi)施(shi)(shi)(shi)之日(ri)起(qi)(qi)2年(nian)(nian)(nian)(nian)(nian)(nian)(nian)(nian)；超(chao)出(chu)(chu)(chu)(chu)2個(ge)(ge)(ge)(ge)(ge)(ge)百(bai)分點(dian)及(ji)以上(shang)(shang)(shang)(shang)(shang)(shang)的(de)(de)(de)(de)(de)(de)(de)(de)(de)，業(ye)(ye)(ye)務(wu)調(diao)整(zheng)過(guo)(guo)渡期(qi)(qi)(qi)(qi)(qi)為(wei)(wei)自上(shang)(shang)(shang)(shang)(shang)(shang)述通(tong)(tong)(tong)知(zhi)實(shi)(shi)施(shi)(shi)(shi)之日(ri)起(qi)(qi)4年(nian)(nian)(nian)(nian)(nian)(nian)(nian)(nian)。房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)地(di)(di)(di)(di)(di)(di)(di)(di)(di)產(chan)(chan)(chan)(chan)(chan)貸(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)占(zhan)(zhan)(zhan)比(bi)(bi)、個(ge)(ge)(ge)(ge)(ge)(ge)人(ren)(ren)(ren)住(zhu)(zhu)房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)貸(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)占(zhan)(zhan)(zhan)比(bi)(bi)的(de)(de)(de)(de)(de)(de)(de)(de)(de)業(ye)(ye)(ye)務(wu)調(diao)整(zheng)過(guo)(guo)渡期(qi)(qi)(qi)(qi)(qi)分別(bie)(bie)(bie)設(she)置。人(ren)(ren)(ren)民銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)、銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)保(bao)監(jian)(jian)會(hui)(hui)(hui)(hui)在(zai)(zai)(zai)答(da)記(ji)(ji)(ji)(ji)(ji)者(zhe)(zhe)問中(zhong)(zhong)(zhong)表(biao)(biao)(biao)示(shi)(shi)，建(jian)立(li)房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)地(di)(di)(di)(di)(di)(di)(di)(di)(di)產(chan)(chan)(chan)(chan)(chan)貸(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)集(ji)(ji)中(zhong)(zhong)(zhong)度(du)(du)(du)(du)(du)管(guan)(guan)理(li)制(zhi)(zhi)(zhi)度(du)(du)(du)(du)(du)，有(you)(you)(you)(you)(you)利(li)于(yu)(yu)市(shi)(shi)(shi)場(chang)主(zhu)體(ti)(ti)(ti)形成(cheng)(cheng)穩(wen)(wen)定(ding)(ding)的(de)(de)(de)(de)(de)(de)(de)(de)(de)政(zheng)策(ce)(ce)預期(qi)(qi)(qi)(qi)(qi)，有(you)(you)(you)(you)(you)利(li)于(yu)(yu)房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)地(di)(di)(di)(di)(di)(di)(di)(di)(di)產(chan)(chan)(chan)(chan)(chan)市(shi)(shi)(shi)場(chang)平穩(wen)(wen)健康(kang)(kang)可持(chi)續(xu)(xu)發(fa)展(zhan)(zhan)。近年(nian)(nian)(nian)(nian)(nian)(nian)(nian)(nian)來(lai)，監(jian)(jian)管(guan)(guan)對房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)地(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)管(guan)(guan)控(kong)層(ceng)層(ceng)加(jia)碼，從(cong)(cong)房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)地(di)(di)(di)(di)(di)(di)(di)(di)(di)產(chan)(chan)(chan)(chan)(chan)開發(fa)商到(dao)(dao)(dao)(dao)金(jin)(jin)(jin)(jin)(jin)融機(ji)(ji)(ji)(ji)構(gou)(gou)已先(xian)后被納(na)入監(jian)(jian)管(guan)(guan)。那(nei)么，2021年(nian)(nian)(nian)(nian)(nian)(nian)(nian)(nian)房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)地(di)(di)(di)(di)(di)(di)(di)(di)(di)產(chan)(chan)(chan)(chan)(chan)金(jin)(jin)(jin)(jin)(jin)融政(zheng)策(ce)(ce)會(hui)(hui)(hui)(hui)有(you)(you)(you)(you)(you)哪些變(bian)化？1月(yue)(yue)(yue)15日(ri)，國新(xin)(xin)辦舉(ju)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)2020年(nian)(nian)(nian)(nian)(nian)(nian)(nian)(nian)金(jin)(jin)(jin)(jin)(jin)融統計(ji)(ji)數(shu)據新(xin)(xin)聞發(fa)布會(hui)(hui)(hui)(hui)。會(hui)(hui)(hui)(hui)上(shang)(shang)(shang)(shang)(shang)(shang)，央(yang)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)金(jin)(jin)(jin)(jin)(jin)融市(shi)(shi)(shi)場(chang)司(si)司(si)長(chang)(chang)鄒(zou)瀾表(biao)(biao)(biao)示(shi)(shi)，近年(nian)(nian)(nian)(nian)(nian)(nian)(nian)(nian)來(lai)，人(ren)(ren)(ren)民銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)堅持(chi)“房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)子(zi)(zi)是(shi)(shi)(shi)(shi)(shi)(shi)用來(lai)住(zhu)(zhu)的(de)(de)(de)(de)(de)(de)(de)(de)(de)，不(bu)(bu)(bu)(bu)是(shi)(shi)(shi)(shi)(shi)(shi)用來(lai)炒(chao)(chao)的(de)(de)(de)(de)(de)(de)(de)(de)(de)”定(ding)(ding)位(wei)，緊(jin)(jin)緊(jin)(jin)圍繞穩(wen)(wen)地(di)(di)(di)(di)(di)(di)(di)(di)(di)價、穩(wen)(wen)房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)價、穩(wen)(wen)預期(qi)(qi)(qi)(qi)(qi)的(de)(de)(de)(de)(de)(de)(de)(de)(de)目(mu)標全(quan)(quan)面(mian)落(luo)實(shi)(shi)房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)地(di)(di)(di)(di)(di)(di)(di)(di)(di)產(chan)(chan)(chan)(chan)(chan)長(chang)(chang)效(xiao)機(ji)(ji)(ji)(ji)制(zhi)(zhi)(zhi)，加(jia)強(qiang)房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)地(di)(di)(di)(di)(di)(di)(di)(di)(di)產(chan)(chan)(chan)(chan)(chan)金(jin)(jin)(jin)(jin)(jin)融管(guan)(guan)理(li)，重點(dian)開展(zhan)(zhan)了幾方(fang)(fang)面(mian)的(de)(de)(de)(de)(de)(de)(de)(de)(de)工(gong)(gong)(gong)作(zuo)(zuo)(zuo)(zuo)(zuo)。一(yi)(yi)(yi)是(shi)(shi)(shi)(shi)(shi)(shi)加(jia)強(qiang)了房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)地(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)金(jin)(jin)(jin)(jin)(jin)融調(diao)控(kong)。牽頭金(jin)(jin)(jin)(jin)(jin)融部門加(jia)強(qiang)對各(ge)(ge)(ge)類資金(jin)(jin)(jin)(jin)(jin)流入房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)地(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)統計(ji)(ji)監(jian)(jian)測，引導商業(ye)(ye)(ye)銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)地(di)(di)(di)(di)(di)(di)(di)(di)(di)產(chan)(chan)(chan)(chan)(chan)貸(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)合理(li)增(zeng)(zeng)長(chang)(chang)，推動金(jin)(jin)(jin)(jin)(jin)融資源更多(duo)(duo)流向(xiang)(xiang)制(zhi)(zhi)(zhi)造業(ye)(ye)(ye)、小微企業(ye)(ye)(ye)等(deng)重點(dian)領域(yu)和(he)(he)薄弱環節。去(qu)年(nian)(nian)(nian)(nian)(nian)(nian)(nian)(nian)房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)地(di)(di)(di)(di)(di)(di)(di)(di)(di)產(chan)(chan)(chan)(chan)(chan)貸(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)增(zeng)(zeng)速8年(nian)(nian)(nian)(nian)(nian)(nian)(nian)(nian)來(lai)首(shou)次低于(yu)(yu)各(ge)(ge)(ge)項(xiang)貸(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)增(zeng)(zeng)速，新(xin)(xin)增(zeng)(zeng)房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)地(di)(di)(di)(di)(di)(di)(di)(di)(di)產(chan)(chan)(chan)(chan)(chan)貸(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)占(zhan)(zhan)(zhan)各(ge)(ge)(ge)項(xiang)貸(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)比(bi)(bi)重從(cong)(cong)2016年(nian)(nian)(nian)(nian)(nian)(nian)(nian)(nian)的(de)(de)(de)(de)(de)(de)(de)(de)(de)44.8%下降到(dao)(dao)(dao)(dao)去(qu)年(nian)(nian)(nian)(nian)(nian)(nian)(nian)(nian)的(de)(de)(de)(de)(de)(de)(de)(de)(de)28%。二(er)是(shi)(shi)(shi)(shi)(shi)(shi)實(shi)(shi)施(shi)(shi)(shi)好房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)地(di)(di)(di)(di)(di)(di)(di)(di)(di)產(chan)(chan)(chan)(chan)(chan)金(jin)(jin)(jin)(jin)(jin)融審慎(shen)管(guan)(guan)理(li)制(zhi)(zhi)(zhi)度(du)(du)(du)(du)(du)。其一(yi)(yi)(yi)是(shi)(shi)(shi)(shi)(shi)(shi)落(luo)實(shi)(shi)長(chang)(chang)效(xiao)機(ji)(ji)(ji)(ji)制(zhi)(zhi)(zhi)，因(yin)(yin)城(cheng)施(shi)(shi)(shi)策(ce)(ce)，實(shi)(shi)施(shi)(shi)(shi)好差別(bie)(bie)(bie)化住(zhu)(zhu)房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)信(xin)貸(dai)(dai)(dai)政(zheng)策(ce)(ce)。其二(er)是(shi)(shi)(shi)(shi)(shi)(shi)按(an)照(zhao)規則化、透明(ming)化方(fang)(fang)向(xiang)(xiang)，形成(cheng)(cheng)了重點(dian)房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)地(di)(di)(di)(di)(di)(di)(di)(di)(di)產(chan)(chan)(chan)(chan)(chan)企業(ye)(ye)(ye)資金(jin)(jin)(jin)(jin)(jin)監(jian)(jian)測和(he)(he)融資管(guan)(guan)理(li)規則。其三(san)是(shi)(shi)(shi)(shi)(shi)(shi)建(jian)立(li)健全(quan)(quan)房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)地(di)(di)(di)(di)(di)(di)(di)(di)(di)產(chan)(chan)(chan)(chan)(chan)金(jin)(jin)(jin)(jin)(jin)融宏觀審慎(shen)管(guan)(guan)理(li)制(zhi)(zhi)(zhi)度(du)(du)(du)(du)(du)。三(san)是(shi)(shi)(shi)(shi)(shi)(shi)完善住(zhu)(zhu)房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)租(zu)(zu)賃(lin)金(jin)(jin)(jin)(jin)(jin)融政(zheng)策(ce)(ce)。按(an)照(zhao)“租(zu)(zu)購并舉(ju)”的(de)(de)(de)(de)(de)(de)(de)(de)(de)方(fang)(fang)向(xiang)(xiang)，加(jia)快研究金(jin)(jin)(jin)(jin)(jin)融支(zhi)持(chi)住(zhu)(zhu)房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)租(zu)(zu)賃(lin)市(shi)(shi)(shi)場(chang)的(de)(de)(de)(de)(de)(de)(de)(de)(de)政(zheng)策(ce)(ce)。鄒(zou)瀾表(biao)(biao)(biao)示(shi)(shi)，下一(yi)(yi)(yi)步(bu)(bu)，央(yang)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)將(jiang)認真貫徹落(luo)實(shi)(shi)十九(jiu)屆五中(zhong)(zhong)(zhong)全(quan)(quan)會(hui)(hui)(hui)(hui)、中(zhong)(zhong)(zhong)央(yang)經濟(ji)工(gong)(gong)(gong)作(zuo)(zuo)(zuo)(zuo)(zuo)會(hui)(hui)(hui)(hui)議部署，堅持(chi)“房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)住(zhu)(zhu)不(bu)(bu)(bu)(bu)炒(chao)(chao)”定(ding)(ding)位(wei)，租(zu)(zu)購并舉(ju)，因(yin)(yin)城(cheng)施(shi)(shi)(shi)策(ce)(ce)，保(bao)持(chi)房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)地(di)(di)(di)(di)(di)(di)(di)(di)(di)產(chan)(chan)(chan)(chan)(chan)金(jin)(jin)(jin)(jin)(jin)融政(zheng)策(ce)(ce)連續(xu)(xu)性(xing)、一(yi)(yi)(yi)致性(xing)、穩(wen)(wen)定(ding)(ding)性(xing)，穩(wen)(wen)妥實(shi)(shi)施(shi)(shi)(shi)好房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)地(di)(di)(di)(di)(di)(di)(di)(di)(di)產(chan)(chan)(chan)(chan)(chan)金(jin)(jin)(jin)(jin)(jin)融審慎(shen)管(guan)(guan)理(li)制(zhi)(zhi)(zhi)度(du)(du)(du)(du)(du)，加(jia)大(da)(da)住(zhu)(zhu)房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)租(zu)(zu)賃(lin)市(shi)(shi)(shi)場(chang)發(fa)展(zhan)(zhan)的(de)(de)(de)(de)(de)(de)(de)(de)(de)金(jin)(jin)(jin)(jin)(jin)融支(zhi)持(chi)，促(cu)進(jin)房(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)(fang)地(di)(di)(di)(di)(di)(di)(di)(di)(di)產(chan)(chan)(chan)(chan)(chan)市(shi)(shi)(shi)場(chang)平穩(wen)(wen)健康(kang)(kang)發(fa)展(zhan)(zhan)。