A few days ago, the news that a number of banks were exposed to suspend mortgage loans suddenly made people panic. Many people are particularly worried about whether they can borrow money to buy a house in the future. In fact, in addition to the hot news reports that several banks in Guangzhou temporarily stopped lending, most banks said that they can still accept mortgage applications without major changes. The loan period is about 1 month, and the mortgage interest rates in various cities remain at a stable level, with no obvious change.

Isn't the bank mortgaged?

Recently, all kinds of media are reporting that banks are going to suspend mortgage loans in an all-round way, and house prices may fall. In this regard, some experts said that only a few banks have taken measures to suspend housing loans, not all banks. The bank's total suspension of mortgage loans has not been officially confirmed, but the possibility of banks tightening mortgage loans in an all-round way, or tightening mortgage loans for borrowers who buy more than two suites next year is gradually increasing, and the trend of tightening mortgage loans in the future will be very obvious. At present, the risk of the local property market is increasing, and it is risky for a large amount of mortgage funds to enter the real estate industry. Even if banks completely suspend mortgage loans, they should not be surprised.

On the one hand, because of their large mortgage business in the early stage, they have used up their personal mortgage business quota and can no longer lend; On the other hand, because the property market in some cities has a high fever in recent months, the state has noticed this phenomenon, so it has adopted financial supervision and tightened credit to cool the market. The financial tightening will continue, but it is impossible for banks to completely suspend mortgage loans, because it is contrary to maintaining the overall stability of real estate; In terms of housing prices, it is normal for different levels of cities to have ups and downs due to different fundamentals. It can't be said across the board that house prices will really fall this time, and house prices will definitely fall.

The relaxation of the property market has always started from the financial aspect, so a little change in the financial market will stimulate the nerves of the public. Whether it is people who are ready to buy a house, people who have not bought a house, or real estate practitioners, all parties are quite concerned about the changes in mortgage interest rates and whether the mortgage business is normal. In order to curb the rise in housing prices, the state can only curb housing prices through various means of regulation, and banks are also one of the means, so it will only be more difficult to apply for banks. Secondly, compared with other loan businesses, the interest rate of housing loans is relatively low, and loans with high interest rates can make banks get more interest, so banks will be more inclined to handle other loan businesses in the case of tight capital turnover.

Compared with other loan businesses, the interest rate of housing loans is relatively low, and loans with high interest rates can make banks get more interest, so banks will be more inclined to handle other loan businesses in the case of tight capital turnover. To raise funds, developers must strictly implement the "three red lines" standard. The state has strengthened the supervision of real estate developers. With the resumption of work and production, the state has tightened the mortgage policy, focusing on supporting the recovery and development of the real economy, rather than supporting the speculative form of real estate. Some cities are irreplaceable because of their unique resources, and these cities have become more desirable places in people's mouths today.

In this era of high housing prices, the decline in housing prices is indeed necessary, but it must be a reasonable and appropriate decline. If the house price drops a lot, it is not a good thing for ordinary people, or even a disaster. Especially after the introduction of the new "three red lines" regulations, real estate enterprises can no longer ease the financial pressure by increasing financing, because the temporary financial pressure can be solved by using the financing party to borrow new debts and repay old debts, but the temporary solution will continue to increase the debt ratio. The central bank and the China Banking Regulatory Commission have poured a pot of "cold water" on the property market, which also shows the country's determination to comprehensively regulate the real estate industry, so that house prices can slowly return to a reasonable level and the real estate industry can develop healthily and stably.