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一、加强对房地产开发商的资信审查与项目审查。即银行应先与发展商签定个人住房担保贷款合作协议。银行应审查发展商的资信等级、企业法人及班子整体素质、领导决策能力等;还应加强审查项目的合法性、工程施工力量、开发资金来源、项目区位优势、销售方案、价格定位等因素。
First, to strengthen the real estate developers credit review and project review. That is, the bank should first sign a cooperation agreement for personal housing secured loans with the developer. The bank shall review the credit rating of the developer, the overall quality of the corporate legal person and team, and the leadership decision-making ability. The legality of the project, the construction project strength, the source of the development fund, the project location advantage, the sales plan and the price positioning shall also be strengthened.