Judging from the annual mortgage data, although it set a historical record in 20 17, it is normal for buyers to feel that the mortgage amount is tight. Because the transaction volume of the property market has set a new record this year, and a large number of new residential loans have been released in 20 16. He predicted that this trend will continue in 20 18 years, and the mortgage amount will not be plentiful.

Li Weiyi, an analyst at Rong 360, believes that under the current situation, the cost and difficulty for banks to absorb deposits have increased. Under the premise of controlling the loan growth rate, it is necessary to allocate the loan amount reasonably and effectively, but the loan demand remains at a high level. At the end of the year, it is a foregone conclusion that the bank's quota is tight, and there are still a large number of mortgage businesses waiting in line for processing. By June 5438+ 10 next year, with the release of the loan quota in the new year, the pressure on the loan quota will be alleviated to some extent.

Li Weiyi also pointed out that the new quota released in June 5438+ 10 next year is not enough to meet the demand of the whole market. In addition, there may be more funds flowing to the firm part in the future, so the quota problem will not be greatly alleviated next year. The key to effectively alleviate the quota problem is to ensure housing demand. By expanding the supply of affordable housing and rental housing, the market can solve the housing problem in batches and avoid excessive concentration of demand for housing in a short period of time. I believe that in the future, through the efforts of all parties, supply and demand will gradually move towards balance.