According to the actual situation in various places, Guangdong and Hainan have recently raised the upper limit of the loan ratio of small banks to varying degrees. Under the strict proportional control, the mortgage interest rate keeps rising, the upward trend is a foregone conclusion, and a new round of real estate regulation is spreading.
The upper limit of mortgage ratio of small banks is raised.
The above notice clearly sets the upper limit of the proportion of real estate loans and personal housing loans for seven large Chinese banks, 17 medium-sized Chinese banks, small Chinese banks and non-county agricultural cooperative institutions, county agricultural cooperative institutions and rural banks, and five institutions.
Among them, the upper limits of real estate loans and personal housing loans of the first Chinese-funded big banks are 40% and 32.5% respectively; The second medium-sized Chinese banks accounted for 27.5% and 20% respectively; The proportion of small Chinese banks and non-county agricultural cooperative institutions in the third file is 22.5% and17.5% respectively; In the fourth grade, the proportion of county agricultural cooperative institutions is 17.5% and12.5% respectively; The fifth rural bank is 12.5% and 7.5% respectively.
In addition, according to Article 4 of the Notice, the branches above the sub-provincial city center branch of the People's Bank of China, together with the local offices stationed in the CBRC, can reasonably determine the local legal person applicable to the corresponding grade within their jurisdiction on the premise of full demonstration and in combination with the local economic and financial development level. According to the management requirements of the third, fourth and fifth grades of the Notice on the Concentration of Real Estate Loans, combined with the specific conditions of domestic legal person banking financial institutions and the characteristics of systemic financial risks within their jurisdiction.
In Guangdong, recently, the Guangzhou Branch of the Central Bank and the Guangdong Banking Insurance Regulatory Bureau jointly issued the Notice on the Concentration Management of Real Estate Loans of Chinese mainland Corporate Banking Financial Institutions within the jurisdiction of Guangdong (excluding Shenzhen), which put forward specific requirements for the third, fourth and fifth files of corporate banking financial institutions within the jurisdiction of Guangdong.
Among them, the upper limits of real estate loans and personal housing loans of three-tier Chinese-funded small banks and non-county agricultural cooperative institutions are 24.5% and19.5% respectively; The rural cooperative institutions in the fourth level counties are 20% and15% respectively; The fifth rural bank is 12.5% and 7.5% respectively.
In other words, compared with the Notice, the upper limit of Guangdong's real estate loans and personal housing loans to three-tier banks within its jurisdiction has increased by 2 percentage points; In the fourth bank, the upper limit of real estate loans and personal housing loans increased by 2.5 percentage points.
The above policies mainly spread to five city commercial banks in Guangdong, namely Huaxing Bank, Guangzhou Bank, Dongguan Bank, Zhuhai China Resources Bank and Nanyue Bank. 1 Private bank Meizhou China Merchants Bank; And more than 80 rural commercial banks such as Guangzhou Rural Commercial Bank, Foshan Rural Commercial Bank, Shunde Rural Commercial Bank and Nanhai Rural Commercial Bank.
In addition to Guangdong, it is reported that on February 20th, Haikou Central Sub-branch of the People's Bank of China revealed at the news briefing that Haikou Central Sub-branch of the People's Bank of China and Hainan Banking Insurance Regulatory Bureau had jointly formulated and issued a notice. According to the relevant person in charge, it is determined that the upper limit of real estate loans for small Chinese banks and non-county rural cooperative institutions in the third stage will be raised by 2.5 percentage points to 25%, which is more in line with Hainan's reality and helps relevant institutions to optimize the credit structure more reasonably.
Mortgage interest rates will continue to rise in the future.
In any case, compared with 2020, this year's property market regulation will only be stricter.
After the above notice was issued, from the end of 2002 1 to the end of 20021,rumors of mortgage tightening frequently spread in various mortgage markets. Many banks have experienced the phenomenon that the quota of the previous year 1 month is tight or even stopped lending, and the mortgage interest rate has also risen, which shows the power of the new regulations on centralized mortgage management.
Guangzhou, in particular, was most affected by the New Deal. In just a few days, it has experienced a wave of tight quotas, uncertain lending cycles and interest rate hikes across the board. The average interest rate of the first home loan increased by 1 1BP, and the average interest rate of the second home loan increased by 4BP. Among them, the first home loan interest rates of the four major banks were all adjusted to 5.2%, and the second home loan interest rate was 5.4%, with the floating range ranging from 15 to 30bp, and some stock banks also increased accordingly. Although the prices of several stock banks have not changed for the time being, the quota is in short supply. According to market feedback, the bank's lending time is conservatively estimated to be basically two months, even four to six months.
As early as June 5438+ 10 in 2020, the average interest rate of the first and second home loans in China entered the downward channel, and this process continued until the end of 2020. Since June 65438+ 10 this year, the average interest rate of the first and second home loans in China has risen again, which may become a trend.
According to the monitoring data of mortgage interest rates of 674 bank branches in 4 1 key cities in China by Rong 360 Big Data Research Institute, in February of 20021year, the average interest rate of the first home loan in China was 5.26%, up 4 BP from the previous month. The average interest rate of the second home loan was 5.56%, up 3BP from the previous month.
Among 4 1 cities, the average mortgage interest rate of 18 cities increased month-on-month, among which 6 cities increased by more than 10BP, with Dongguan having the largest increase, with the first home loan interest rate rising by 25BP and the second home loan interest rate rising by 27BP.