央行副行長潘功勝:房地產市場的場外配資都是違法行爲

The central bank will prohibit real estate brokerages and Property developers from running financing services if they do not have relevant licenses, People's Bank of China Deputy Governor Pan Gongsheng said on last Wednesday.

央行副行長潘功勝上週三表示，央行將禁止不具備相關資質的房產中介機構和開發商提供金融服務。

Media reports said a number of brokerages and financial institutions, including Lianjia and 5i5j, have lent their clients money to allow them pay the down payment.

有媒體稱，包括鏈家和我愛我家在內的許多房產中介向客戶提供所謂的"首付貸"。

This move, which artificially increases the leverage in home purchases, will fuel a price hike and cause a big worry when a price correction occurs, industry experts said.

根據行業專家表示，這一舉動是人爲的在購房上增加槓桿。此外還將會使得價格上漲，並在出現價格調整的時候引起更大的恐慌。

"We are communicating with the Ministry of Housing and Urban-Rural Development to regulate such behaviors. Real estate brokerages and property developers are not allowed to run financing services before they obtained relevant licenses," said Pan.

潘功勝表示：“我們正在與住房和城鄉建設部進行溝通，以期管理類似的行爲。房地產經紀公司和房地產開發商在取得相關許可證之前，不允許提供金融服務。”

According to Zhang Dawei, chief analyst at Centaline Property, the size of such financing services in Beijing will be around 1.8 billion yuan ($277 million).

中原地產首席分析師張大偉認爲，在北京，像這樣的金融服務將會達到大約18億元（摺合2.77億美元）。

"The down payment could be actually lowered by 10 to 20 percent with those financing products, thus allowing financially unqualified buyers to enter the market." said Huang Qifan, mayor of Chongqing and a deputy to the National People's Congress, during a panel discussion at the NPC.

重慶市市長、人民代表大會代表黃奇帆在全國人大會議小組討論時表示：“這些融資產品將會使得首付降低百分之10至20，這樣就會使得財政不合格的買家進入市場。”

Home prices in cities like Shenzhen, Beijing and Shanghai have seen a surge in recent months. The supply-demand imbalance and the easing of monetary policy are regarded as major reasons for this round of price surge.

深圳、北京和上海等城市的房價最近幾個月已經有所上漲。而供求失衡、貨幣政策放鬆被認爲是本輪房價上漲的主要原因。