The upper limit of real estate loan ratio is adjusted to 40%, and the upper limit of personal housing loan is 32.5%. Other relatively small banks will gradually reduce the ceiling of real estate loans and personal housing loans. In other words, whether developers or individuals, the smaller the bank, the less able it is to lend all the funds to the house. Many friends said angrily that it would be great if we could simply buy and sell houses without loans. Don't worry about unfinished houses or real estate speculation. But friends, let's think it over. For today's housing prices, if loans are not allowed, in fact, most people in China can't afford to buy a house. After all, many people want to get married and register their children for school. Stopping real estate loans completely does have great disadvantages.

Therefore, this measure is actually quite useful in China, which can make banks reduce the loan ratio and make many people unable to get loans. You have to wait in line to get a loan. Only after the previous lender has returned the money to the bank can the bank issue new loans. Just like taking a bus, the space above the bus is fixed, whether it is a station ticket or a ticket. Anyway, when it's full, people can't get on. If you want to get on the bus, you must get off after someone arrives at the station so that someone can get on the bus. This adjustment of bank loans has a similar effect. Therefore, after 202 1 New Year's Day, if you want to buy a house with a bank loan, the approval time may be longer. The mortgage loan cannot be approved. There is little possibility that house prices will skyrocket. Because real estate speculators want to buy a house in full, the possibility of real estate speculation is very, very small and the risk is extremely high. After all, most first-tier cities in China have limited sales, restricted purchases and settled down to limit the soaring housing prices.

202 1 plus the reduction of bank loans. Its main purpose is to let friends who really need housing buy houses, instead of letting the property in high-quality cities fall into the hands of real estate speculators. Therefore, real estate speculation will become more and more dangerous in the future. Because banks can't lend, what is the loan interest rate? It can directly affect the rise and fall of house prices in any city. If banks gradually issue loans only for new houses, and second-hand housing transactions cancel loans, or greatly increase loan interest rates, this is possible. This is not a wild guess, because in many cities, the bank loan interest rate of the second suite is already higher than that of the first suite.