First, in some areas, such as Shanghai, the real estate market is overheated and the market wind rises too fast, which is easy to cause the market price to deviate too much from its real value, thus creating a bubble. Once the bubble bursts and the real estate price falls, the house as collateral will bring a lot of losses to the bank.

Second, the high debt management of real estate development enterprises implies financial risks. The ratio of funds to assets of China Housing Bank.

Third, "fake mortgage" highlights moral hazard. Fourth, there are operational risks in issuing real estate loans by grass-roots banks. The outstanding performances are: the managers of pre-loan review are not aware of risks, the review is a mere formality, the procedures are simplified at will, and the review is not strict; Collateral management is not standardized, the relevant functional departments dealing with mortgage are not in place, and there is a lack of relevant risk early warning measures according to procedures. In addition, the irregular operation and lax supervision of the land reserve center lead to greater credit risk of land development loans, and the legal risk of real estate loans is also increasing due to the mismatch of relevant laws and regulations. Wait, the risks of bank real estate loans are almost everywhere. (Policy and market risk, financial risk, fund supervision risk)

2. What risk points should real estate loans generally focus on?

First, the real estate market in some areas is overheated, such as Shanghai, and there are market risks. If the real estate price rises too fast, it is easy to cause the market price to deviate too much from its real value, thus creating a bubble. Once the bubble bursts and the real estate price falls, the real estate as collateral will depreciate or even shrink sharply, which will bring a lot of losses to banks. Second, the high debt management of real estate development enterprises implies financial risks. Bank funds obtained by real estate developers in China through various channels account for more than 70% of their assets. Third, "fake mortgage" highlights moral hazard. Fourth, there are operational risks in issuing real estate loans by grass-roots banks. The outstanding performances are: the managers of pre-loan review are not aware of risks, the review is a mere formality, the procedures are simplified at will, and the authenticity and legality of materials are not strictly reviewed; Collateral management is not standardized, the relevant functional departments dealing with mortgage are not well coordinated, and they do not follow the procedures; The post-loan management of individual grass-roots banks is chaotic and lacks relevant risk early warning measures. In addition, the irregular operation and lax supervision of the land reserve center lead to greater credit risk of land development loans, and the legal risk of real estate loans is also increasing due to the mismatch of relevant laws and regulations. Wait, the risks of bank real estate loans are almost everywhere. (Policy and market risk, financial risk, fund supervision risk)

Third, real estate loans concentrated risk points

The first point of risk prevention is that the increase of loan interest rate will increase your burden; The second is to ensure a stable income, unstable income will threaten your integrity; The third is the decline of inflation rate. Lower inflation will make you spend more money, but you spend 100 yuan more on things you can buy.