According to 2 1 century business report, relying on real estate loans? Two red lines? Recently, a number of joint-stock banks in Guangdong suspended their mortgage loans. Among them, China Merchants Bank Shenzhen Branch, Guangzhou Branch and its provincial branches suspended mortgage lending a week ago. The front-end business level is: control orders? . People in the first-line credit business of China Merchants Bank said that at the level of the whole bank, at present, there has not been a unified notice to suspend the mortgage business of the whole bank, but colleagues in several branches outside the province have reported that the mortgage lending has been suspended. A real estate agent in Shenzhen said that according to the latest information obtained by the intermediary mortgage department, China Merchants Bank Shenzhen Branch did not stop lending, but the lending was very slow. Among the joint-stock banks, Everbright has suspended its mortgage loans in Shenzhen, while Guangfa Bank said it would not take orders, and the approval and lending of other banks it cooperates with are basically normal at present. Judging from the performance of the four major banks, the lending period is about one month, which is difficult to guarantee at present.
It should be noted that the central bank issued at the end of last year? Loan restriction order? The bank is divided into five grades and the differences are set? Two red lines? Indicators. The two red lines are: Settings? Proportion of real estate loans? And then what? What is the proportion of individual housing loans? Two restrictions. Banking financial institutions are divided into five grades: the first grade is large Chinese banks; The second file is Chinese medium-sized banks; The third file is small Chinese banks and non-county agricultural cooperative institutions; The fourth file is the county agricultural cooperation organization; The fifth gear is the village bank. This means that personal mortgage loans and housing loans will be restricted. It is reported that the proportion of real estate loans of four first-tier banks exceeds the upper limit, and there are more than 20 mainstream real estate enterprises cooperating with these banks.
Contact a number of banks in Guangdong to suspend mortgage news. What's the effect of this combination boxing? Yan Yuejin, research director of the think tank center of Yiju Research Institute, said that for individual buyers, there is basically no problem, just apply for a loan according to the policy process. However, bank-related sources said that real estate loans have indeed tightened, especially for the public, but the pressure to digest the stock is not too great. It is said that CITIC has made great efforts in real estate loan business in recent years, and mortgage and corporate loans have grown rapidly. Order? From the point of view, the pressure is greater. It should be noted that personal housing loans and housing loans are the key high-quality businesses in traditional banking business. They should have been in the sprint stage in May 438+10, but they were suddenly tightened, which will inevitably affect the whole start. After this series of actions, the financing of housing enterprises was further blocked. According to the report of RealData, in 20021year, the debt scale of real estate enterprises is expected to exceed 1.2 trillion, up by 36% year-on-year, breaking through the trillion mark. The superposition of the three red lines and the new mortgage regulations will make housing enterprises usher in the most tense stage of cash flow.
The reason why banks and some local governments do this is largely to help housing enterprises survive. ?