First, the new mortgage regulations were introduced, and the amount of real estate loans was limited by 1, followed by the financing of housing enterprises in August 2020. Three red lines? After that, from 202 1 1 1, the loan amount was restricted and the real estate loan was partitioned. Two red lines? ;

2. Some netizens broke the news that they received short messages from banks, the bank loan quota was tightened, and the mortgage interest rate was raised.

The loan amount is limited. Draw it? Two red lines? !

From 202 1, limit the amount of real estate loans. On June 365438+February 3, 20201day, the China Banking Regulatory Commission and the China Insurance Regulatory Commission jointly issued a document, and new regulations on mortgage concentration were issued to adjust the upper limit of real estate loans and personal mortgages in the banking industry. According to the circular, the two departments will manage the concentration of real estate loans by grades according to the asset size and institutional type of banks, and draw the upper limit of real estate loans and personal housing loans. Two red lines? .

Among them, the upper limit of real estate loan is 40%, and the lowest is12.5%; The highest proportion of individual housing loans is 32.5%, and the lowest is 7.5%.

In response to a reporter's question, the Central Bank and the China Banking Regulatory Commission said that the purpose of establishing a centralized management system for real estate loans is to improve the resilience and stability of the financial system and promote the stable and healthy development of the real estate market.

Second, the marketization of interest rates has been gradually liberalized, and the cost of bank funds has increased 1.

The price of interbank lending market is rising, and the cost of its own financing is also rising. If the mortgage interest rate does not increase, there will be losses immediately, and banks will certainly not want to do unprofitable business.

2. The storage capacity is reduced.

Now the deposit interest rate is relatively low, plus the inflation rate is high, is it actually? Negative interest rate? Putting money in the bank will not only make no money, but also depreciate. More and more people do not choose to keep their money in the bank, and the decline in storage capacity forces the scale of mortgage loans to be limited. The scale of the quota is limited. In order to complete the income, we can only raise interest rate pricing to screen customers and get the highest price.

As we all know, the government is now cooling the property market, and all kinds of strong regulation are still going on. For banks, in response to national policies, floating loan interest rates with financial instruments is the most direct means to cooperate with regulation.

In addition, the whole financial environment emphasizes risk prevention and deleveraging. The attitude of banks towards housing mortgage loans has changed greatly. From the previous high-quality credit to? Chicken ribs? . There is a simple reason. On the one hand, the leverage of real estate is getting longer and longer, and now the housing price in hot cities is tens of millions, which makes the mortgage risk faced by banks soar much more than in the past.