Tang Fei (pseudonym), the account manager of a branch of Bank of Communications in Futian District, Shenzhen, confirmed this news to the reporter of Securities Daily: "The management of' house mortgage' has indeed become stricter recently. Companies applying for' house mortgage' must have real running water, and running water alone is not enough. They must operate in entities. Even if the loan has been issued before, if it is found that the applicant has not been used for entity operation, it must be retired. "
In this regard, Su, a senior researcher at Sack Research Institute, said in an interview with a reporter from Securities Daily: "The state-owned banks in Shenzhen have tightened their mortgage, taking into account both the prevention of capital flow and the control of the overall scale. The adjustment of mortgage policy has always been cyclical. After the fundamentals of the property market have improved and the bank's risk control measures and compliance level have improved, it will gradually recover in the medium and long term. "
The high pressure of "house mortgage" is not reduced.
In fact, not only state-owned banks, but also some large joint-stock banks in Shenzhen have recently strengthened the management of "mortgage".
Han Xiao (pseudonym), the account manager in charge of credit business in a Shenzhen branch of China Merchants Bank, told the Securities Daily reporter that "the news of the tightening of mortgage is true". He also said: "Generally speaking, the' mortgage' will be tightened by the end of the year. At present, different products have different requirements, some will require the company to run water, some only have requirements for personal running water, and some products have no requirements for running water. Generally speaking, if the company holds shares for six months and the house is transferred for half a year, it can reach the basic threshold. "
A person in charge of Bank of Beijing in Shenzhen told the Securities Daily reporter: "At present, banks require lenders to actually use the money for business, and the review will be more stringent, largely to prevent funds from flowing into the property market in violation of regulations. In terms of time limit, it will not relax in the short term. "
This is not the first time that Shenzhen has tightened its "mortgage" this year. In April this year, due to the obvious rise in housing prices in Shenzhen, there were rumors that "real estate business loan funds illegally flowed into the property market". On April 22nd, five departments of China People's Bank Shenzhen Central Sub-branch, Shenzhen SME Service Bureau, Shenzhen Housing and Construction Bureau, Shenzhen Banking Insurance Regulatory Bureau and Shenzhen Market Supervision Bureau reported the survey of "housing mortgage" to buy a house. The relevant person in charge said that the full mortgage loan for house purchase is very small, which will prevent credit funds from illegally flowing into real estate in the future.
Under strict supervision, commercial banks have generally raised the threshold of "housing mortgage loan". Take the transfer time of mortgaged property as an example. In the past, some banks did not require the transfer time of real estate, and some banks only required one or two months. However, at present, banks generally set the term at more than half a year.
However, for speculators, the temptation of illegally using "housing loan" funds still exists. "Even if it is found that customers use funds for other purposes such as buying a house, banks may at most require customers to repay in advance, which has limited impact on personal credit." Han Xiao said.
Su told the Securities Daily reporter: "In addition to illegally flowing into the property market, some enterprises used low-cost loan funds to buy structured deposits and carry out' arbitrage' during the epidemic, resulting in idle funds. State-owned banks have tightened loans for real estate business, which can also curb this arbitrage objectively. "
Prevent funds from entering the property market illegally.
The background of some banks in Shenzhen tightening "mortgage" is that after the regulation of Shenzhen property market on July 15, the second-hand housing market has cooled down, but the transaction price is still relatively firm; At the same time, the transaction in the first-hand housing market in Shenzhen is still relatively hot.
Yan Yuejin, research director of the think tank center of Yiju Research Institute, said in an interview with the Securities Daily reporter: "The problem of similar operating loans was also a topic of concern during the previous housing price speculation in Shenzhen. Tightening itself is also to prevent illegal real estate speculation through operating loans, or to prevent all kinds of illegal funds from entering the Shenzhen property market. Shenzhen's recent housing prices have been suppressed, but it is still necessary to guard against risks such as price rebound. "
10 According to the data released by the National Bureau of Statistics 10 on October 20th, the sales price of second-hand houses in Shenzhen rose 1. 1% month on month in September, ranking first among the four first-tier cities and second among 70 large and medium-sized cities in China, second only to Xuzhou. The sales price of new commercial housing rose by 0.4% month-on-month, which was consistent with the average month-on-month increase of four first-tier cities.
Regarding the firm price of second-hand houses, Qian Shuang (pseudonym), who is engaged in the intermediary business of second-hand houses in Xili Street, Nanshan District, Shenzhen, told the Securities Daily reporter: "The owner's mentality is still very good. Unless they are in urgent need of money, or the house is not' full and unique', they will not easily reduce the price. For example, an owner originally wanted to sell his current house for a new one, but he lost the quota, so he was not in a hurry to sell the house, let alone lower the price. "
In terms of first-hand housing, the data of Shenzhen Zhongyuan Research Center showed that the new housing market continued to rise in September, and 7069 sets of commercial housing were signed in the new housing market, up17.2% from the previous month; The transaction area was 635,200 square meters, up 20. 1% from the previous month. Among them, the residential network sign was 487 1 set, up 19.5% from the previous month.
It is worth noting that in the fourth quarter, the Shenzhen property market is about to usher in a rare "spring tide" of new housing supply. According to the "Shenzhen Commercial Housing Planned to Enter the Market in 2020" issued by Shenzhen Housing and Construction Bureau, as of September 28th, there are 64 projects planned to enter the market in Shenzhen this year, with an estimated supply area of 3,007,800 square meters. Among them, there are 26,909 sets of commercial houses, covering an area of about 2,476,700 square meters. In contrast, in the first nine months of Shenzhen, only 77 commercial housing projects were approved for pre-sale, with an approved pre-sale area of 44.68+0.6 million square meters.
In the context of increasing supply, the "mortgage" restriction will release space for "real demand", which is conducive to the Shenzhen property market to continue to adhere to "housing and not speculation".
Yan Yuejin told the Securities Daily reporter: "The regulation of funds is of positive significance, which conveys the orientation of the current real estate market, that is, illegal funds are not allowed to enter the market. For the Shenzhen property market, putting an end to real estate speculation funds can introduce more houses into the hands of just-needed buyers, which is conducive to promoting the healthy development of the real estate market. "