The growth rate of individual housing loan balance has dropped for two consecutive years.
In 20 18, real estate loans increased by 6.45 trillion yuan, accounting for 39.9% of the increase of various loans in the same period, which was 1.2 percentage points lower than that in 20 17.
Under the background of "strict control" of the real estate market, the real estate credit situation is one of the focuses of the market. Ruan, director of the Survey and Statistics Department of the People's Bank of China, pointed out that the growth rate of real estate loans in 20 18 was steady and declining when answering a question from the Beijing News reporter at the financial statistics conference.
The growth rate of individual housing loans has dropped.
Ruan introduced that by the end of 20 18, the balance of RMB real estate loans was 38.7 trillion yuan, a year-on-year increase of 20%, and the growth rate was 0.9 percentage points lower than that of 20 17. Real estate loans increased by 6.45 trillion yuan in the whole year, accounting for 39.9% of the increase of various loans in the same period, which was 65,438+0.2 percentage points lower than that in 2065,438+07 and 4.9 percentage points lower than that in 2065,438+06.
She said that from the structural point of view, first, the growth rate of personal housing loans is lower than 20 17. At the end of 20 18, the balance of individual housing loans was 25.75 trillion yuan, up by 17.8% year-on-year, and the growth rate was 4.4 percentage points lower than that of 20 17. Second, the growth rate of real estate development loans is higher than 20 17. At the end of 20 18, the balance of real estate development loans was 10. 19 trillion yuan, a year-on-year increase of 22.6%, and the growth rate was 5.5 percentage points higher than that at the end of 20 17. Among them, the balance of affordable housing development loans was 4.32 trillion yuan, up 29.5% year-on-year, and the growth rate was 3. 1 percentage point lower than that in 20 17.
According to the previously published data, the balance of RMB real estate loans at the end of 20 17 and 12 was 32.25 trillion yuan, up 20.9% year-on-year, and the growth rate was 6. 1 percentage point lower than that at the end of 20 16, with an annual increase of 5.56 trillion yuan. 4 1.65438 of all loans in the same period was 3.7 percentage points lower than that in 20 16, of which the balance of individual housing loans was 2 1.86 trillion yuan, up 22.2% year-on-year, and the growth rate was 4.5 percentage points lower than that at the end of 20 16.
The first RRR cut was implemented in the new year. What is the impact on the property market?
On October 4th, 65438/kloc-0, the central bank announced its decision to reduce the deposit reserve ratio of financial institutions by 1 percentage point, including 0.5 percentage points in 20 19, 15 and 65438+25 years respectively.
Regarding the RRR cut for the first time in the New Year implemented yesterday, many market participants mentioned that the RRR cut may help guide the downward trend of mortgage interest rates. However, under the macro-control framework of "housing is not speculation, policies are implemented according to the city, and classified guidance", it is unlikely to take the old road of comprehensive property market again.
Previously, the news of loose mortgage interest rates in some parts of China has been widely concerned by the market. Zhang Dawei, chief analyst of Zhongyuan Real Estate, pointed out to the Beijing News reporter that the core of the real estate market is to look at leverage, that is, the qualification of the first suite and the loan amount of the first and second suites have not changed now, so the slight fluctuation of market interest rate has little impact on the market.
Looking forward to the future, under the general tone of strict control, the market's expectations of housing prices have also changed. The report on the questionnaire survey of urban depositors in the fourth quarter of 20 18 released by the central bank shows that for the next quarter, 27.4% residents expect to "rise", 49.6% residents expect to "remain basically unchanged" and 1 1.8% residents expect to "fall"./kloc-
Comparing the survey results of this quarter with the previous survey results, it is expected that the "rise" will decrease (33.7% in the last quarter) and the expected decline will increase (9.6% in the last quarter).
According to the Central Economic Work Conference held in February, 2065438+2008 by Xinhua News Agency, "It is necessary to build a long-term mechanism for the healthy development of the real estate market, adhere to the positioning that houses are used for living, not for speculation, implement policies and classified guidance according to the city, consolidate the main responsibility of the city government, and improve the housing market system and housing security system." (Reporter Mitty)
20 17 what is the housing loan policy?
20 17 individual housing loan policy
The Central Bank of China issued a notice on issues related to the adjustment of individual housing loan policy.
China People's Bank Shanghai Headquarters, branches, business management departments, provincial capital city center branches and sub-provincial city center branches; Banking regulatory bureaus of all provinces (autonomous regions and municipalities directly under the Central Government); There are commercial banks, joint-stock commercial banks and China Postal Savings Bank in various countries:
In order to further support reasonable housing consumption and promote the stable and healthy development of the real estate market, according to the relevant arrangements of the State Council, the relevant matters concerning the individual housing loan policy are hereby notified as follows:
First, in cities that do not implement the "purchase restriction" measures, households purchase commercial personal housing loans for ordinary housing for the first time. In principle, the minimum down payment ratio is 25%, which can be lowered by 5 percentage points in various places; For households that own 1 apartment and the corresponding housing loans are not settled, in order to improve their living conditions, they should apply for commercial personal housing loans to buy ordinary housing again, and the minimum down payment ratio should be adjusted to not less than 30%.
For cities that implement the "purchase restriction" measures, the individual housing loan policy is still implemented according to the original regulations.
Second, on this basis, the agencies of the People's Bank of China and the China Banking Regulatory Commission should strengthen communication with local governments in accordance with the principle of "classified guidance and local policies", and guide the self-discipline mechanism of interest rate pricing in provincial markets to independently determine the minimum down payment ratio of commercial personal housing loans within their respective jurisdictions in light of the actual conditions of various cities.
Third, banking financial institutions should reasonably determine the specific down payment ratio and interest rate level according to the borrower's credit status and repayment ability, in combination with the minimum down payment ratio requirements determined by the provincial market interest rate pricing self-discipline mechanism, the institution's commercial personal housing loan placement policy, risk prevention and control and other factors.
Fourth, strengthen the macro-prudential management of housing finance. The People's Bank of China and the dispatched offices of the China Banking Regulatory Commission should strengthen the monitoring, analysis and evaluation of the asset quality, regional concentration and institutional stability of real estate loans; Supervise the provincial market interest rate pricing self-discipline mechanism to adjust the minimum down payment ratio of commercial personal housing loans in a timely manner according to the changes in the real estate situation and the regulatory requirements of local governments, so as to promote the stable operation of housing finance business of banking financial institutions and the stable and healthy development of local real estate market.
Details:
What are the procedures and procedures for 20 17 housing loan?
What are the procedures and procedures for 20 17 housing loan? First, clear demand: regional location, area and apartment type. Make a good budget: according to the amount of cash in hand and the amount of loans available, determine the total price range of the house. Search for real estate on the real estate website, compare the location, price, floor area ratio, greening rate, convenient transportation, property services, occupancy time, residential environment, surrounding facilities and other factors, conduct preliminary screening, and inquire about the qualifications of developers.
Housing mortgage loan process
1. The developer proposes the mortgage loan cooperation intention to the loan bank;
2. The loan bank investigates the developer's development project, construction qualification, credit rating, person in charge's conduct, corporate social goodwill, technical strength, operating status and financial status, and signs a mortgage loan cooperation agreement with qualified developers;
3. The purchaser signs a commercial housing sales contract with the developer and pays the required down payment according to the contract requirements;
4. Within seven days from the date of paying off the voluntary payment, the purchaser shall provide materials that meet the requirements of the mortgage bank and directly apply to the developer cooperative bank for mortgage loan. Specifically, it includes: commercial housing sales contract (for filing and registration), purchase down payment receipt, ID card, marriage certificate, income certificate and other materials deemed necessary by the bank;
5. The loan bank investigates and reviews the situation and procedures of the buyers, and goes through the preliminary procedures with the buyers who meet the basic conditions (including the spouses of the buyers), including loan application, * * * * repayment form, letter of commitment, conversation record, loan contract, IOUs, etc. Then the purchaser opens a deposit account or bank card in the loan bank, and the bank reports it to the superior bank for approval;
6. The application approval period is generally within 7 days. For overdue loans, the marketing department timely connects with the bank to understand the situation, solve the problem, actively assist the purchaser to complete the loan, and sign the phased guarantee procedures with the mortgage bank in time;
Provident fund handling process
(1) The applicant shall go through the loan application formalities in triplicate with the purchase materials (commercial housing sales contract, down payment receipt), ID cards of both husband and wife, household registration book, marriage certificate (A4 original and copies of each part) and loan application form-Personal Loan Service Hall of the Municipal Provident Fund Management Center;
(2) The above-mentioned institutions transmit the loan information approved to the entrusting bank;
(3) The entrusting bank informs the borrower and his spouse to sign a loan contract and a charging contract with their ID cards at the signing office of the entrusting bank;
(4) The borrower and his spouse hold the ID cards of both parties and go to the housing management department with the bank staff to receive the real estate license;
(5) The borrower holds the original and photocopy of the real estate license to issue a loan notice in the personal loan hall of the provident fund management center;
(6) The borrower shall go through the loan issuance formalities at the entrusting bank with the original and photocopy of the real estate license and the loan notice.
(The above answers were published on 20 17-02-22. Please refer to the actual situation for the current purchase policy. )
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In 20 17, the amount of domestic real estate loans in China was higher than that of personal mortgage loans (
Conclusion: In 20 17 years, the amount of domestic real estate loans in China was more than that of personal mortgage loans.
Reasons: On the one hand, the real estate industry is an important pillar industry of China's economy, and the government encourages developers to invest in real estate projects by providing various loans and subsidies; On the other hand, the rapid development of the real estate industry has attracted a large number of individual housing needs, which can only be achieved by means of bank mortgage loans.
Content extension: However, the over-developed real estate market may lead to the formation of bubbles and pose a threat to the financial system and macroeconomic stability.
Therefore, the government has strengthened the regulation of the real estate market in recent years, which means that the total amount of real estate loans may be affected.
At the same time, more and more people begin to pay attention to the long-term rental market, which will also have an impact on the real estate market and loan amount.
This is the end of 20 17 real estate open loan and 20 17 real estate financial policy. I wonder if you found the information you need from it?