Recently, because of the news of "mortgage suspension", some property buyers are as anxious as ants on hot bricks: "Are all banks tightening up?" "Can you buy a house with a normal loan?" "Will the mortgage slowdown be counted as my default?" Public trust. Com consulted the mortgage business departments of many banks in the north, Guangzhou and Shenzhen, and found that the tightening or suspension of mortgage loans is not very common, and there are differences between different cities. Among the tightening reasons given by banks, "insufficient quota" appears frequently, but it does not mean that loans are completely stopped.

It is impossible to stop lending completely, and banks dare not do so. If this is done, the management will take out the whip and "whip". However, some banks also stop lending, slow lending and raise mortgage interest rates, especially the first home loan interest rate, which will cause considerable psychological pressure on property buyers.

"Insufficient quota" is of course the most effective and grandiose reason for banks. However, this reason is so old-fashioned that everyone can see it. This is prevarication. I want to fight against the "two ceilings" proposed by the management. I want to make buyers "boil" by stopping lending, slowing lending and raising the interest rate of the first home loan. Let buyers cooperate with the bank to "force the house" to the management, relax the "two ceilings", let the bank continue to gnaw at the house and continue to beg from the real estate market. Because, judging from the problems exposed by a financial institution that recently detonated the network when operating mortgage, mortgage is really the most enjoyable loan resource for commercial banks. Think about it, buyers have paid off their mortgage for seven years, but they have not paid back the principal at all, but all they have paid back is interest. What is interest? It's the bank's profit. The bank said it was a staff member's "operational error", but who believed it? Therefore, banks are certainly reluctant to give up mortgages and lower the mortgage ceiling. Naturally, we should try our best to maintain the quantity and scale of existing housing prices.

The problem is that using credit, slow loans and raising the interest rate of the first home loan to play a game of interests with management is obviously a performance that ignores the overall situation. Because the concentration management of real estate loans issued by the central bank and the China Banking Regulatory Commission not only puts forward "two upper limits", but also explicitly requires that rigid demand must be guaranteed, rather than "one size fits all", which is also in line with the positioning of "housing and not speculation". Because, the central government put forward the positioning that "the house is for living, not for speculation", not for just need, but for real estate speculators, which is to return the housing to the residential property. Naturally, we must actively support the newly-needed class to buy houses. We should not only support those who just need to buy houses, but also actively support some improved housing and rental housing to ensure that residents have housing.

Undoubtedly, the recent phenomenon that banks stop lending, slow lending and raise mortgage interest rates is not the proper business behavior of financial institutions, nor is it the result of market self-adjustment, but that banks are putting pressure on management in this way. Because a considerable number of financial institutions, due to excessive lending to the real estate market and excessive housing loans, have indeed seriously exceeded the upper limit set by the management and need to be adjusted. However, this does not mean to stop lending immediately. Especially in the case that the policy has not been liberalized for a long time, it is very abnormal to stop lending or slow lending and raise the loan interest rate. Because the management has given commercial banks a certain transition period, as long as the structural adjustment is completed during the transition period. But some banks just don't want to do this, and want to force the management to relax the policy ceiling by stopping lending and other means. This trick is really childish.

Because of this, the management should investigate the phenomenon that commercial banks stop lending, slow lending and raise mortgage interest rates to see what the reasons are. Among them, the interest rate of the first home loan has increased. What do you want to do? Why not implement the central government's policy of supporting the demand of just-needed class to buy houses, but also take policy tightening measures for just-needed class to buy houses. The regulation of the property market is by no means "one size fits all". In the final analysis, the central government wants to adopt different control policies according to the different conditions of different cities. In terms of credit policy, the same is true. We can only limit housing investment and real estate speculation. Otherwise, the policy will go astray.