住房租赁贷款

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招商局蛇口工业区控股股份有限公司 关于为桃花园置业提供担保的公告
Zhong Guo Zheng Quan Bao - Zhong Zheng Wang· 2025-09-27 00:39
登录新浪财经APP 搜索【信披】查看更多考评等级 证券代码:001979 证券简称:招商蛇口 公告编号:【CMSK】2025-096 招商局蛇口工业区控股股份有限公司 关于为桃花园置业提供担保的公告 本公司及董事会全体成员保证公告内容真实、准确和完整,没有虚假记载、误导性陈述或重大遗漏。 为满足经营需要,招商局蛇口工业区控股股份有限公司(以下简称"公司"或"本公司")之全资子公司深 圳市桃花园置业有限公司(以下简称"桃花园置业")向兴业银行股份有限公司深圳分行申请住房租赁贷 款人民币10亿元,贷款期限为15年。本公司拟按100%的股权比例为上述住房租赁贷款提供连带责任保 证,担保本金金额不超过人民币10亿元,保证期间为每期债权到期之日起三年。 一、担保情况概述 本公司拟按100%的股权比例为桃花园置业向兴业银行股份有限公司深圳分行申请的10亿元借款提供连 带责任保证,担保本金金额不超过10亿元,保证期间为每期债权到期之日起三年。 四、公司意见 桃花园置业因项目经营需要,向金融机构借款以补充资金,有利于促进公司经营发展。桃花园置业为公 司全资子公司,公司按照股权比例为其提供担保的行为风险可控,不会对本公司的正常 ...
李云泽:今年一季度新增个人住房贷款创2022年以来单季最大增幅
news flash· 2025-05-07 01:49
Group 1 - The core point of the article highlights that the new personal housing loans in the first quarter of this year reached the largest quarterly increase since 2022, indicating a significant recovery in the housing market [1] - The total balance of real estate loans increased by more than 750 billion yuan in the first quarter [1] - Housing rental loans experienced a year-on-year growth of 28%, reflecting a rising demand in the rental market [1]
建设银行(601939):“三大战略”纵深推进,新金融行动创新未来引擎
Guoxin Securities· 2025-04-13 05:10
Investment Rating - The report assigns an "Outperform the Market" rating to the company, marking its first coverage [5]. Core Insights - The company is expected to achieve a revenue of 760.15 billion yuan in 2024, reflecting a year-over-year decline of 2.54%, while the net profit attributable to shareholders is projected at 335.58 billion yuan, showing a slight increase of 0.88% [1][53]. - The company's total assets are anticipated to grow by 5.86% to 40.57 trillion yuan in 2024, with deposits and loans increasing by 3.73% and 8.33%, respectively [1]. - The net interest margin is projected to be 1.51% in 2024, down by 19 basis points year-over-year, but the decline is expected to slow down in the fourth quarter [2][56]. - Non-interest income is expected to grow by 5.09% in 2024, contributing significantly to overall revenue [2]. - The non-performing loan ratio is forecasted to be 1.34% at the end of 2024, indicating stable asset quality [3][58]. Financial Performance Summary - Revenue and net profit for 2024 are projected at 760.15 billion yuan and 335.58 billion yuan, respectively, with a year-over-year revenue decline of 2.54% and a net profit increase of 0.88% [1][53]. - The company’s return on equity (ROE) is expected to be 10.69%, a decrease of 0.87 percentage points from the previous year [1][54]. - The company’s total assets are expected to reach 40.57 trillion yuan, with a year-over-year growth of 5.86% [1]. - The net interest income is projected to decline by 4.43% year-over-year due to a narrowing net interest margin and insufficient effective credit demand [2][56]. - The non-performing loan ratio is expected to decrease slightly, reflecting the company's stable asset quality [3][58]. Future Earnings Forecast - The company’s net profit for 2025, 2026, and 2027 is projected to be 343.34 billion yuan, 353.37 billion yuan, and 368.82 billion yuan, respectively, with corresponding year-over-year growth rates of 2.3%, 2.9%, and 4.4% [3][62]. - The diluted earnings per share (EPS) for the same years are expected to be 1.36 yuan, 1.40 yuan, and 1.46 yuan [3][62]. Valuation and Investment Recommendation - The absolute valuation using a three-stage DDM model suggests a value range of 9.8 to 13.6 yuan per share [69]. - Relative valuation indicates a reasonable value range of 9.3 to 10.1 yuan per share, considering a premium for the company's leading position in the market [71]. - The report concludes that the company's reasonable stock price for 2025 is between 9.6 and 11.9 yuan, indicating a potential upside of approximately 7% to 33% from the current price [73].