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今年以来,随着国务院发布住宅“限购令”及福州市政府禁止“商改住”等政策的出台,住房投资需求被抑制,商业用房的开发和投资则逐渐升温。在这种背景下,笔者尝试分析福州商业用房现状及政策背景,并结合我行个人商业用房贷款的情况,对下阶段个人商业用房贷款的发展及风险防范进行粗浅的探讨。商业用房,顾名思义,是指作为商业用途的房产。个人商业用房贷款是指银行向借款人发放的购置新建自营性商业用房和自用办公用房的贷款。个人购
Since the beginning of this year, as the State Council promulgates policies such as the Residential Restriction Order and the Prohibition of Commercial Redemption by the Fuzhou Municipal Government, the demand for housing investment is suppressed and commercial housing development and investment are gradually heating up. Against this background, the author attempts to analyze the status quo and policy background of commercial housing in Fuzhou and make a brief discussion on the development and risk prevention of personal commercial housing loans in the next stage in light of the personal commercial housing loans of our bank. Commercial space, as the name suggests, refers to real estate as a commercial use. Personal commercial housing loans refers to the bank loans to borrowers to purchase new self-employed commercial buildings and self-use office buildings. Personal purchase