On September 27th, three bankers told the reporter of "2 1 Century Business Herald" that some big banks have been informed that the regulatory authorities have recently asked large commercial banks to reduce their pressure and control the scale of real estate loans such as personal housing mortgage loans. In addition, some banks report that the personal mortgage loan amount is tight, and some banks appeal to customers to repay the mortgage loan in advance in order to use the mortgage loan amount.

A big banker said that there was a requirement at the beginning of supervision that the new housing-related loans this year should not exceed a certain proportion of all new loans, which may be about 30%, but no documents were issued. Another city commercial bank official said that the central bank asked big banks to reduce the balance of real estate loans such as mortgages, but did not see the relevant documents. However, a person from the head office of another big bank said that the scale of credit was discussed within the bank, but there were no new requirements for the loan structure.

According to the reporter's calculation, if the proportion of new real estate loans falls to 30%, the proportion level is roughly equivalent to the level before the introduction of the real estate destocking policy in 20 15. After the real estate destocking policy, the proportion of new real estate loans increased from 30.6% in 20 15 to 44.8% in 20 16, and decreased to 34.0% by the end of 20 19.

"Golden September and Silver 10" still controls the mortgage.

"Golden September and Silver 10" was originally the peak season of the property market, but the credit lines of some banks were tight.

On September 27th, some people from Guangzhou Mortgage Company reported that the personal mortgage loan quotas of Agricultural Bank of China, Postal Savings Bank and China Merchants Bank are relatively tight, and some LPR benchmark interest rates of 20BP are relatively slow, while LPR 30BP is still lending normally.

Affected by the COVID-19 epidemic this year, the real estate market fell sharply in the first half of this year. After the epidemic, real estate sales quickly picked up. Statistics from the National Bureau of Statistics show that from June 5438 to August, the sales area of commercial housing nationwide was 984.86 million square meters, down 3.3% year-on-year. In August, monthly sales increased by 27. 1% year-on-year, and the growth rate reached a new high of nearly two years after last month. Sales in some cities have improved. In August, the sales area of commercial housing in Beijing was 993,000 square meters, up 48.5% from the previous month and 84.2% from the same period last year, setting a new monthly sales area since 20 17.

In the case of booming sales in the property market, some banks called on customers to repay their mortgage loans in advance.

On September 27th, a person holding a mortgage in Shenzhen said that he had recently received a short message from the mortgage bank, calling on customers to repay the loan in advance. The bank has a green channel for prepayment of personal loans, so he can enjoy the service of waiting for one month without waiting.

The reason is "reducing the scale of housing-related loans." A person from a big bank in South China said that including personal mortgage loans and real estate development loans, the supervision has requirements for the growth of housing-related loans. If the growth rate of other loans can't keep up with the requirements, housing-related loans need to be expanded. A person from East China City Commercial Bank said that in the regulatory consensus loans since last year, there has been a requirement for the proportion of housing-related loans, and the growth rate should not be too fast.

In the past three years, the proportion of housing-related loans in the banking industry has been declining. Last year, the proportion of new housing-related loans nationwide was about 34%. In the first half of this year, affected by the epidemic, the proportion dropped to around 24.7%.

Earlier, Guo Shuqing, Chairman of the China Banking Regulatory Commission, said that compared with 20 16, the growth rate of real estate loans decreased by 12 percentage points, and the proportion of new real estate loans in all new loans decreased by 10 percentage points.

265438+20th Century Business Herald According to the data in the Statistical Report on Loan Investment of Financial Institutions of the Central Bank, RMB real estate loans increased by 57 1 trillion yuan in 20 19, accounting for 34.0% of the increase in RMB loans in the same period. In the first half of 2020, RMB real estate loans increased by 2.99 trillion yuan, accounting for 24.7% of the increase in RMB loans in the same period. Among them, in the first half of 2020, real estate development loans increased by about 750 billion yuan, and personal housing loans increased by about 2.29 trillion yuan.

The new housing-related loans of several major banks fell below 30%.

According to the statistics of "265438+20th Century Business Herald", in the first half of 2020, the proportion of new real estate loans of the six major state-owned banks all declined. Except for BOC, the proportion of new housing-related loans in other state-owned banks has been adjusted to below 30%.

In the first half of 2020, China Bank added 356310.50 billion yuan of housing-related loans, including real estate loans123.664 billion yuan and personal housing loans, accounting for 36.68% of all new loans. It is the only bank among the six state-owned banks that accounts for more than 30%.

Although the proportion of new housing-related loans is still high, compared with 20 19, the scale of housing-related loans of BOC has declined. At the end of 20 19, China Bank increased its housing-related loans by 61657.9 billion yuan, accounting for 49.35% of all new loans, ranking first among the six state-owned banks. By the end of June 2020, the scale of new housing-related loans of BOC had decreased by 260.264 billion yuan, accounting for 12.66 percentage points to 36.68%.

Construction Bank's new real estate loans accounted for the lowest proportion and the largest decline. In the first half of 2020, China Construction Bank added 379.899 billion yuan of new housing-related loans, accounting for 2.6 18% of all new loans, which was 22.38 percentage points lower than the 602.035 billion yuan of new housing-related loans at the end of 20 19.

Among other big state-owned banks, ICBC added 362.428 billion yuan of housing-related loans, accounting for 29.85% of all new loans, down 16.86 percentage points from the end of 20 19; Agricultural Bank of China added 322.059 billion yuan of housing-related loans, accounting for 27. 1 1% of all new loans, down 14.02 percentage points from the end of 20 19; Bank of Communications increased housing-related loans by11761300 million yuan, accounting for 27.66% of all new loans, down1.42 percentage points from the end of 20 19; Postal Savings Bank increased housing-related loans by156.45 billion yuan, accounting for 30.86% of all new loans, which was 654.38+065.438+0.58 percentage points lower than the end of 2065.438+09.

The new real estate loans of joint-stock banks are obviously differentiated. New real estate loans from China Merchants Bank, Shanghai Pudong Development Bank, Industrial Bank and Ping An Bank accounted for more than 30%, of which Shanghai Pudong Development Bank accounted for 49.3 1% and Ping An Bank accounted for more than 50%.

Specifically, Shanghai Pudong Development Bank increased housing-related loans by103.628 billion yuan, including 7765438+69 billion yuan for personal housing loans and 26.459 billion yuan for real estate loans. New housing-related loans accounted for 49.3 1% of all new loans, up 3.92 percentage points from the end of last year.

Ping An Bank has the highest proportion and the largest increase. According to statistics, Ping An Bank added 96.325 billion yuan of housing-related loans, accounting for 52.0 1% of all new loans, up 5.06 percentage points from the end of last year.

Although the proportion of new housing-related loans in China Everbright Bank has also increased, it is still the lowest among joint-stock banks. In the first half of 2020, all new loans of China Everbright Bank were 209.358 billion yuan, including 47.329 billion yuan of new housing-related loans, accounting for 2.26 1%, up 4.63 percentage points from the end of last year.

Strict supervision of real estate finance continues.

At the regulatory level, real estate finance still maintains a "strict supervision" trend. Earlier, the China Banking Regulatory Commission said that it would carry out special inspections on real estate loans in more than 30 key cities, and the Ministry of Housing and Urban-Rural Development and the central bank also issued the requirements of "three red lines" for financing real estate enterprises.

On September 14, Jeikiy, deputy director of the Banking Inspection Bureau of the China Banking Regulatory Commission, said at the news briefing that the policy of "staying in houses without speculation" had been effectively implemented. We will continue to carry out special inspections of real estate loans in more than 30 key cities, reduce excessive credit to housing enterprises with excessive leverage and excessive financial burden, increase the investigation and punishment of "down payment loans" and consumer loan funds flowing into the housing market, and guide bank funds to focus on supporting affordable livelihood projects such as shantytown renovation and residents' reasonable home purchase needs. The balance of loans for affordable housing projects has increased steadily, and the tendency of real estate financial bubble has been effectively curbed, helping the real estate people's livelihood to gradually return.

On July 24th, the State Council held a symposium on real estate work in Shenzhen, and put forward for the first time that real estate credit should be "stable in stock and strictly controlled in increment", and a "prudent management system of real estate finance" should be established, so that the monitoring of "real estate finance" rose to the institutional level.

On August 20th, the Ministry of Housing and Urban-Rural Development and the People's Bank of China jointly held a forum for real estate enterprises, which formed the detailed rules for fund monitoring and financing management of key real estate enterprises, namely, the so-called "three red lines" in the industry, that is, after excluding the advance payment, the asset-liability ratio is greater than 70%, the net debt ratio is greater than 100%, the short-term cash debt ratio is less than 1 times, and the proportion of land acquisition and sales is not allowed except for three red lines. Need to explain the source of land acquisition funds.

How to adjust the bank credit policy

Sort out the semi-annual report of the bank in 2020 and adjust the real estate finance. Details are as follows:

Industrial and Commercial Bank of China: Continue to strengthen the classified management of the real estate industry, further strengthen the classified management of cities in the commercial real estate field, focus on supporting ordinary commodity housing projects that meet the regulatory policies, and actively and steadily promote the financing of commercial rental housing; Strengthen the policy compliance management in the field of affordable housing, strictly control the financing of commercial housing development and commercial shantytown renovation, and carefully grasp the financing of real estate mergers and acquisitions.

China Construction Bank: Actively implement the requirements of national real estate regulation and control policies, strictly implement differentiated housing credit policies, optimize loan areas, cooperative enterprises, cooperative buildings and customers through big data analysis and risk early warning models, and support residents' reasonable housing needs. Further promote the housing leasing strategy.

One of the three strategies is the housing leasing strategy: deepen the application of the comprehensive service platform for housing leasing, enhance the activity of the platform, and provide better services for government supervision, public rental housing management and housing market transactions. By the end of June, the housing rental comprehensive service platform had accumulated more than 23 million houses with 2,365,438+10,000 registered users. Signed strategic cooperation agreements with Guangzhou, Hangzhou, Jinan and other 1 1 pilot cities to provide pilot cities with a package of comprehensive services including financial product support, housing financing operation and information system support. Take Jianxin housing as the carrier, actively carry out housing purchasing and storage business, revitalize the stock of idle housing in society, and increase the supply of social rental housing. Innovate financial services, support the large-scale and professional development of leasing enterprises, protect the rights and interests of landlords and tenants, and maintain the smooth operation of the leasing market. Actively participate in the first batch of domestic housing leasing companies' equity trading service pilots, and explore new modes for housing leasing companies to obtain equity financing.

Bank of China: Strictly implement the national real estate industry regulation and control policies, implement differentiated individual housing loan policies, and focus on supporting residents' first home purchase demand.

Agricultural Bank of China: Actively implement the national real estate regulation and control policies, support residents' reasonable demand for home ownership, and realize the steady development of individual housing loan business. By the end of June, the balance of individual housing loans was 442 1, 73 1 billion yuan, an increase of 259.3 billion yuan over the end of last year.

China Merchants Bank: According to the overall strategy of "stabilizing investment, adjusting structure and managing quota", dynamically optimize the internal credit policy. By the end of the reporting period, the balance of the company's domestic enterprise real estate wide-caliber risk business was RMB 5,826,543.8+0.40 billion (including real or contingent credit, bond investment, self-operated and non-standard wealth management investment, etc.). ), an increase of 73.809 billion yuan compared with the end of last year, of which the balance of domestic corporate loans was 325.620 billion yuan, an increase of 465.438+35.7 billion yuan compared with the end of last year, accounting for the proportion of corporate loans. By the end of the reporting period, the asset quality of domestic companies in the real estate sector was good, and the non-performing loan ratio was 0.2 1%, which was 0. 15 percentage points lower than the end of the previous year. In the first half of 2020, the regulatory policies in the real estate sector continued to tighten. Due to the epidemic, the cash flow pressure of some small and medium-sized real estate enterprises has increased. Looking forward to the second half of the year, the company will continue to adjust the structure of real estate customers and regional assets, focus on central cities and strategic customers, and continue to maintain the stability of asset quality in the real estate sector.