A lot of news about mortgage on the internet is actually false news, and now the bank's response has come. Large banks in many areas, including some private banks, said that they had not received the information of stopping issuing mortgage loans. In view of this, they can fight back against online rumors because it is unrealistic. At the same time, banks also said that they are now cooperating with the instructions of their superiors to a certain extent, indicating that the mortgage business has been tightened to a certain extent, but mortgage is still one of the main businesses of banks at present.
According to the bank's response, they have not received any business news about the suspension of loans, saying that they can still borrow money if they buy a house. After all, the house price is still very high now. Without loan business, many people simply can't afford to buy a house. At present, families or individuals with decent income can still apply for mortgage business, and will not stop or the house price will plummet in a short time.
Although banks haven't received information about the suspension of mortgage loans, many places, especially first-tier cities, have gradually put pressure on local real estate speculators to control the momentum of rising house prices, and the growth of house prices has gradually tightened. Now it is mainly reflected in first-tier cities, and will gradually spread to second-and third-tier cities in the future. That is, many people in the industry are saying that some of them are ready to withdraw their funds, and I am afraid that the real estate industry will not earn as much money as before. With the gradual tightening of the price increase, the future trend will be gentle, stable and even declining.
After all, banks, as financial institutions, have a wide range of business in the country, and it is unlikely that large-scale mortgage suspension will occur. This is also unrealistic. After all, house prices have not fallen sharply, and ordinary people can't afford to buy a house without a mortgage, which will also lose huge economic benefits to banks. This will not happen overnight. This is a gradual process. At present, the personal mortgage business has not been affected and the overall service order is in a normal state.
Mortgage exists in many countries, even in developed capital countries. The real estate industry has promoted the social and economic growth of China and stimulated the circulation of the domestic market. In the past, a lot of money flowed into the real estate industry, which made the industry rise rapidly. The phenomenon of buying and selling houses is increasing. For real estate speculators, there is more and more money in their pockets, and house prices are rising gradually, which makes the bottom people even more unable to afford houses, seriously affecting their future lives. The soaring housing prices have led to an increase in the amount of loans people need. From the perspective of people themselves, the work pressure and intensity will increase.
As a financial institution that issues mortgage loans, banks will implement them as long as they receive instructions from their superiors. At present, many places are practicing the principle of "stable and healthy development of the real estate market", especially in cities like Shanghai. According to the existing national policies, the pace of personal housing loans will gradually slow down, and personal loans will be issued according to a stable trend. Industry experts said that the gradual tightening of China's mortgage policy is the general trend, while adhering to the principle of tightening.