內地指導商業銀行向優質房企出具保函置換預售監管資金 優先用於項目工程建設及償還到期債務等
中銀保監會、住建部及人行發布《關於商業銀行出具保函置換預售監管資金有關工作的通知》,指導商業銀行按市場化、法治化原則,向優質房地產企業出具保函置換預售監管資金。
《通知》指出,監管賬戶內資金達到住房和城鄉建設部門規定的監管額度後,房地產企業可向商業銀行申請出具保函置換監管額度內資金。商業銀行可按市場化、法治化原則,在充分評估房地產企業信用風險、財務狀況、聲譽風險等的基礎上進行自主決策,與優質房地產企業開展保函置換預售監管資金業務。
當中列明,監管賬戶內資金達到住建部規定的監管額度後,房地產企業可向商業銀行申請出具保函置換監管額度內資金,保函置換金額不得超過監管賬戶中確保項目竣工交付所需的資金額度的30%,置換後的監管資金不得低於監管賬戶中確保項目竣工交付所需的資金額度的70%。
監管評級4級及以下或資產規模低於5,000億元人民幣的商業銀行不得開展保函置換預售監管資金業務。商業銀行不得向作為本銀行主要股東、控股股東或關聯方的房地產企業出具保函置換預售監管資金。企業集團財務公司等非銀行金融機構不得出具保函置換預售監管資金。
房地產企業要按規定使用保函置換的預售監管資金,優先用於項目工程建設、償還項目到期債務等,不得用於購置土地、新增其他投資、償還股東借款等。房地產企業要按約定承擔監管賬戶內的資金補足義務,確保項目建設資金充足。
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