On March 2nd, it was learned that Shenzhen Branch of Bank of China and Shenzhen Branch of Bank of Shanghai have started to price the properties mortgaged by loans according to the official guidance price, and the loan amount is 70% of the official guidance price. China Bank Shenzhen Branch has not officially confirmed this latest change.
"We estimate that it will be adjusted soon. Everyone is watching the big line, and we will follow it with great probability. " A person from a stock bank in Shenzhen said that although many banks have made it clear that mortgage loans refer to the official guidance price of second-hand houses, it is not clear whether the same policy will be implemented for operating loans, and there are no implementation rules. However, after the state-owned banks are identified, more banks may follow suit.
Since the official guidance price of second-hand houses is lower than the actual market price and the evaluation price, the amount of mortgage loans applied for in Shenzhen will be reduced in the future, which may have a certain impact on the financing of small and micro enterprises actually operating.
The implementation of commercial loans by big banks has been guided.
"If you want to do it now, you can only do it according to the guiding price, not according to the previous rules." The lender of China Bank Shenzhen Branch said that although there are no detailed rules for how to value the mortgaged property, the bank has lent money according to the reference price mechanism of second-hand housing transactions, and the amount is 70% of the official guidance price of the mortgaged property.
According to recent media reports, China Bank Shenzhen Branch has issued a notice, including second-hand housing mortgage loans, real estate mortgage and other housing-related loans, and the quota is implemented according to the reference price of second-hand housing transactions issued by the government. The reporter asked China Bank Shenzhen Branch for verification. As of press time, the bank has not officially replied.
In addition to China Bank Shenzhen Branch, some banks' operating loans were also valued with reference to the official guidance price, including Shanghai Bank.
"How much you can borrow depends on the pricing of the mortgaged house. Check the unit price of the real estate on the mobile phone and then look at the area of the house, and you can calculate how much you can borrow. " A person from Shenzhen Branch of Shanghai Bank said that the bank's operating loan amount is also 70% of the valuation after referring to the official guidance price of second-hand real estate.
It is not the mainstream practice of banks to set the operating mortgage property price according to the guiding price of second-hand houses. Another big bank, Shenzhen Branch, replied that the bank has taken the official guidance price as an important reference for second-hand housing mortgage loans. However, due to unclear regulatory policies and no implementation rules, real estate mortgage loans and corporate loans have not been adjusted so far. Another big bank, Shenzhen Branch, did not say whether the operating loan policy has been adjusted.
The lender of a stock bank in the north said that due to the unclear policy, the threshold of bank operating loans has been improved, but it is still going on normally. Different businesses are treated differently, and business loans can no longer be made when the equity of the enterprise has just been transferred and the business cannot support the loan.
And more banks are still waiting to see. After the establishment of the reference price mechanism for second-hand housing transactions, many banks hold a wait-and-see attitude towards loan business due to unclear policies and lack of implementation rules. According to a person from a small and medium-sized bank, due to the above reasons, although the bank is still taking orders, there is no loan. A person from Shenzhen Branch of a joint-stock bank in South China said that with the adjustment of the second-hand housing mortgage loan policy, whether and how to follow up the business loan is still under discussion within the bank, but the final result has not yet been formed.
Bankers expect that small and medium-sized banks such as stock banks and city commercial banks are watching the big state-owned banks. With China Bank starting to use the official guide price of second-hand houses as the basis for operating mortgaged properties and determining the loan amount, more banks may follow suit in the future.
"Everyone is watching the big banks, and we will follow it with great probability. As long as the big banks are identified, we will follow up. " The president of Shenzhen Branch of a stock bank said that in the field of operating loans and small and micro enterprise loans, state-owned big banks are the main force, and small and medium-sized banks will follow up and adjust after the big banks are determined.
Many links are affected.
Whether it is housing transaction or mortgage loan, housing valuation and pricing are key links. After the establishment of the official guidance price, the pricing mechanism has begun to be transmitted to all aspects related to second-hand housing transactions, evaluation, mortgage loans and mortgage-related corporate loans.
"If the real estate mortgage loan is the same as the second-hand housing mortgage loan, it will be priced directly at the official guidance price." The president of the branch of the above-mentioned stock bank said that when the bank issues the mortgage loan of real estate, it must entrust the appraisal company to conduct the appraisal, and finally lend at 70% of the appraisal price. If the official guidance price of the second-hand house is used as the pricing basis of the mortgaged property, there is no need to evaluate this procedure.
China Everbright Bank Shenzhen Branch informed internally on February 20th that the official transaction price of second-hand houses was used as a reference for mortgage loans. Subsequently, the second-hand housing loans of Shenzhen Branch of the four major banks have all implemented guided-price mortgages.
Among the joint-stock banks, Shenzhen Branch of Ping An Bank also announced on February 27th that the reference price of second-hand housing transactions in residential areas of the bank was taken as the identification standard for handling the mortgage loan business of second-hand buildings in Shenzhen. In other words, unlike the four major banks, banks not only regard the reference price of second-hand housing transactions as a reference standard, but also as an approval standard.
The industry believes that in the loan link, in addition to the increase in the down payment ratio actually borne by buyers, commercial loans and real estate mortgages will also be affected to some extent.
A senior person from a city commercial bank said that although the evaluation price is lower than the actual market price, it is still higher than the newly released guidance price. In the future, the number of applications for real estate mortgage loans in Shenzhen will be significantly reduced, and the financing of some small and micro enterprises and small and medium-sized enterprises that actually operate may be affected.
A person from a city commercial bank previously said that the bank's personal housing mortgage loan ceiling has been adjusted from 6.5438+million yuan a year ago to 8 million yuan to 6.5438+million yuan, and the review and lending conditions are more stringent. Only big banks have quotas, and the interest rate is slightly loose. It was learned from the lender of a large and medium-sized bank that the current operating loan amount of the bank is generally 7 million yuan.
"It mainly has a greater impact on small and micro enterprises and will not have much impact on large and medium-sized enterprises." On the one hand, the financing channels of large and medium-sized enterprises are diversified, and real estate mortgage loans are not the main source of financing; On the other hand, in practice, large and medium-sized enterprises rarely use funds for real estate speculation.
Small and micro enterprises financing or affected
"If the mortgaged property directly refers to the guiding price of second-hand housing, it may be difficult for small and micro enterprises to raise funds for some time to come." The above-mentioned city commercial banks said that the guiding price of second-hand housing is not only lower than the market price, but also lower than the evaluation price, which will lead to a decline in the operating loan amount of personal housing mortgage loans.
According to bankers, the appraisal price of mortgaged personal housing is usually 70% of the market price, with a maximum of 80%, and then a 20% discount. The final loan is equivalent to about 60% of the property value. For example, he said that a property with a market price of 6.5438+million yuan can get a loan of 6 million yuan from the bank. Referring to the official guidance price as the evaluation price, the loan amount may be only 5 million yuan.
"In order to prevent small and micro enterprises with actual operations from being' wrongly killed', targeted measures could not be introduced at that time, so as not to adversely affect the real economy." The president of the above-mentioned branch of the stock bank said that after the detailed rules for the implementation of individual housing mortgage loans come out, banks will also strike a balance between market demand and their own business development.
The above-mentioned lender of Beigu Bank also said that the bank still adopts preferential policies for mortgage loans with excellent operating conditions and credit records, and can issue loans at 70% of the market evaluation price.
The lender of the above-mentioned big bank said that although the maximum operating loan amount of the bank is 7 million yuan, the amount of enterprises with excellent qualifications and matching business conditions with the loan amount and purpose can be relaxed to more than 7 million yuan, up to 6,543,800 yuan.