There is no rule that banks are not allowed to lend from 2022. Loan refers to a form of credit activity in which banks or other financial institutions lend monetary funds according to certain interest rates and repayment conditions. This is the main source of bank income. Without loan business, banks can't even afford to pay interest on deposits, and there is no reason for banks to stop lending.

Loans can still be issued, but the threshold requirements have been raised by more than one level. If you want to get a smooth loan, you should not only have good credit information and stable income, but also have evidence to prove the legality of the down payment.