Huang qifan: added leverage to housing stock made financial disaster | Huang qifan | mortgages _ news
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Huang qifan. Information chart The national people's Congress, Chongqing Mayor Huang qifan said –
Housing market to leverage risk reduction must pay attention to
Beijing (Xinhua Zhuang Guanrong) 2015 stock market volatility, investors have lingering psychological consequences. The CPPCC group discussion of Chongqing, the national people's Congress, Chongqing Mayor Huang qifan said that left some parts of the current housing market leverage, would be another financial disaster.
Due to housing volume larger, involves more inclusive, plus mortgage rules, lack of risk identification and monitoring, the damage to the national economy and the broad masses will be even greater, especially the Bank's bad debt risk.
Huang qifan said the deleveraging of our nation at present, including government debt, including debts to business enterprises, including leverage within the financial system, paying particular attention to financial innovation, leverage and financial products in order to profit from it and leverage, with special attention to financing the project transboundary formation of superimposed high leverage.
For example, Huang qifan said, such as some real estate developers--some recent real estate transactions in real estate sales agents, they provide buyers with down payment support. We some Bank of purchase loan down payment has from original of 40% down to 30%, now some has down to 20%, if property business or intermediary again to buy room of people provides 10% to 20% of down payment, actually on makes buy room of people into zero first pay or 5% to 10% of down payment--United States subprime crisis of source is zero first pay, prices also on mindless to a two months, and three months soared has 30%, and 50%. And last year, 3,000 to 5,000 of the stock market due to a high leverage effect is the same.
He pointed out that, to pay more attention to reducing risk deleveraging, and must not be used and leveraged approach to promote sales and inventory. "If used and leveraged to inventory, central authorities run counter to the spirit and pose a great risk to the economy. "Huang qifan stressed.
Responsible editor: Chen yan SN225
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黄奇帆：加杠杆去楼市库存会酿金融灾难|黄奇帆|房贷_新闻资讯
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黄奇帆。资料图 全国人大代表、重庆市市长黄奇帆表示——
房市去杠杆降风险须引起重视
本报北京讯（记者庄冠蓉）2015年的股市波动剧烈，给投资者造成挥之不去的心理阴影。在两会重庆团讨论时，全国人大代表、重庆市市长黄奇帆指出，如果听任当前一些地方的房市高杠杆，将会是另一场金融灾难。
由于房市体量更大，牵涉面更广，加上房贷游戏规则、风险识别和监管上的不足，对国民经济和广大人民群众造成的危害会更大，尤其是银行的坏账风险。
黄奇帆说，当前我们国家去杠杆，包括去政府债务、包括去工商企业债务，还包括金融系统内部的各种杠杆，尤其要注意金融创新的杠杆和理财产品为了牟利而加的杠杆，特别要注意一些融资项目跨界叠加形成的高杠杆。
黄奇帆举例说，比如最近房地产交易中有一些房产商——也有些房地产买卖中的中介公司，他们给购房者提供首付支持。我们一些银行的购房贷款首付已经从原来的40%降到30%，现在有些已经降到20%，如果房产商或者中介再给买房的人提供10%到20%的首付，实际上就使得买房的人变成零首付或者5%到10%的首付——美国次贷危机的源头就是零首付，房价也就没头没脑地一两个月、三个月暴涨了30%、50%。这和去年股市高杠杆造成的3000点到5000点的后果是一样的。
他指出，要更注重去杠杆降风险，绝不能用加杠杆的办法来促销售、去库存。“如果用加杠杆的方式去库存，跟中央精神是背道而驰的，会给经济带来巨大风险。”黄奇帆强调。
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文章关键词： 黄奇帆 房贷
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