At the beginning of 2021, policy adjustments related to housing loans have become a hot topic among many friends. For Chinese people, buying a house has always been a major event. Due to the current high housing prices, most people can only get loans to buy houses. There is news that banks will no longer lend money to buy houses in 2021. Is it true? Will mortgages be allowed to buy houses in 2021?

Will banks no longer lend money to buy houses in 2021

At the end of 2020, the Central Bank and the China Banking and Insurance Regulatory Commission issued the "Notice on Establishing a Concentration Management System for Real Estate Loans of Banking Financial Institutions". Experts analyzed that, overall, it will mainly involve the amount of housing loans and the number of housing loans. interest rate. Mortgage interest rates will still rise slightly in a short period of time, but then they will gradually decrease overall, and the mortgage quota will definitely be tightened a lot.

The notice will be implemented from January 1, 2021. The central bank has set a red line for the scale of real estate loans. Among all bank loans, the proportion of real estate loans cannot exceed a certain value. Among all bank loans, the proportion of personal housing loans cannot exceed a certain value.

The amount of bank mortgages has been limited. For home buyers, it is becoming more difficult to apply for loans. Currently, many banks have announced a suspension of loan applications, and many banks have already experienced shortages in lending quotas. It is announced that the loan period will be extended, and some small banks will even increase loan interest rates in order to control loan applications.

At the beginning of 2021, due to the influence of policies, most banks will give priority to lending to borrowers who have applied for loans last year. This does not mean that they will not provide housing loans, but they will need to make business adjustments based on the loan amount. .

Are mortgages not allowed to buy houses in 2021?

After the centralized management of housing loans, this means that banks cannot issue loan quotas at will. Now the existing loans of each bank are There is a "red line". Once the limit is exceeded, no loans can be made. Therefore, it is not allowed to buy a house with a mortgage in 2021. "Loan suspension" means that the bank has no loan limit. If you want to get a loan to buy a house, you can only wait!

To put it simply, this " The phenomenon of "multiple banks suspending lending" is actually a situation that will inevitably occur after the implementation of the "centralized management of housing loans" policy under the central bank's "new regulations".

However, the bank has no choice at this time. One bank has no quota, and customers can only find other banks.

Finally, no one should be surprised by the news that "many banks have been forced to suspend lending". This fully reflects our country's determination to "cool down" the real estate market, and it also illustrates the real estate market launched by the country. The policy is being slowly implemented!

After all, the current flow of funds to the property market in our country is quite obvious. Chinese people are also burdened with a lot of debt because of taking out loans to buy houses. After forcing centralized management of housing loans, the purpose is to require banks to "restrict their acceptance of orders."

As for the relevant content, will banks no longer lend money to buy a house in 2021, and will no mortgages be allowed to buy a house in 2021, I will introduce it to you here.