Some banks in Shanghai will increase the down payment ratio of loans! On the afternoon of March 2, Shanghai Housing and Banking Supervision Department held a meeting to investigate the mortgage ratio and the cooperation between banks and intermediaries. The clear signal released by this meeting is that banks will tighten the proportion of mortgage loans, reduce the leverage ratio of funds, and prevent credit risks caused by malicious investment.

Since 65438+ 10, the popularity of the property market is beyond imagination. Banks in Beijing and Shanghai generally implement a 15% discount on the interest rate of the first suite, or even a 13% discount or even lower. The interest rate of the second suite has also dropped from the original benchmark interest rate 1. 1 times to the benchmark interest rate. In such a loose monetary environment, some banks have begun to realize the potential risks.

It is a common feeling in the banking industry that "house prices rise rapidly and speculation increases".

Is there a risk of supply failure?

Data from the banking system show that in first-tier cities, because of the large volume of real estate transactions, house prices have risen steadily and the fluctuation range is small, so systemic risks are unlikely to occur, and the phenomenon of "supply failure" is rare. In the past two years, the phenomenon of "no supply" has only appeared in a small scale in Wenzhou, Shaanxi and other places, and has not posed a big threat. A few cases of "breach of contract" mainly concentrated in the period from 2007 to 20 10, all of which were caused by personal financial problems of borrowers.

Risks of packaged loans

Some property buyers have a strong speculative psychology. Although some real estate speculators have a lot of experience in buying houses and accumulated a certain wealth, such a mentality is easy to bring risks to banks. Some packaged loan behaviors of intermediaries are also easy to increase leverage risk. After the real estate in first-tier cities gradually entered the stock housing market, the intermediary is an important source of bank mortgage business. However, intermediaries are not always high-quality customers when recommending loan customers, and the credit and repayment ability of individual lenders are flawed.

Banks may increase the down payment ratio.

At present, the fiery property market in first-tier cities makes banks pay more attention to potential risks. Banking industry insiders said that the qualifications of lenders will be more strictly examined and the down payment ratio will be considered.

(The above answers were published on 20 16-03-04. Please refer to the actual situation for the current purchase policy. )

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