This shows that people's desire to buy a house has reached its peak. In addition, the state gave the green light to the loan to buy a house, and people made full use of this favorable condition. Recently, the mortgage policy has been adjusted to promote the stable development of the real estate market. Housing financing is returning to normal, and residents' willingness to buy houses is also increasing marginally.

Extended data:

First, the state's regulation of the real estate market

1, at the personal level: after early regulation, residents' understanding of the real estate market gradually returned to rationality, and houses gradually returned from investment products to residential needs in some people's consciousness, and people's expectations of the real estate market also changed. For the real estate market, expectations are very important. In fact, a great supporting factor of irrational development in the early stage is the expectation of rising house prices, but this expectation is out of date. But on the other hand, in order to ensure the healthy development of the real estate market, it is not to let people form overly pessimistic expectations for the real estate market. After all, excessively pessimistic expectations run counter to the healthy development of the real estate market.

2. Policy level: "Living without speculation" is the basic orientation of China real estate market development at present and in the future. The irrational development of the real estate market will lead to many economic and social problems, with less advantages and more disadvantages, so I won't go into details here, so the central government is determined to let the real estate market return to the normal development track. However, it should also be clear that letting the real estate market return to the rational development track does not mean blindly suppressing the real estate market, but maintaining its healthy development. There is no doubt that the real estate market is an important part of the economy, and its reasonable development will have a positive effect on the economy and help meet people's housing needs. The cross-cycle adjustment of macro policies will also take into account the stable development of the real estate market.

3. Financial level:

First, we should guard against the risks of the real estate market, including the excessive growth of housing prices and the debt problems of real estate developers, and transmit them to the financial sector;

Second, ensure the credit demand of rigid housing groups, and support first-time buyers in terms of loan down payment ratio and interest rate. For example, the data shows that more than 90% of bank personal housing loans are the first home loan; Third, the credit changes related to the real estate market are part of the overall credit situation of the economy, and the tightness within a certain range is normal. Moreover, real estate is an important part of the real economy, and reasonable credit support is normal, but credit policy will not support the irrational development of the real estate market;

Fourth, financial institutions have their own pace and grasp in real estate credit while meeting regulatory requirements. The low growth rate of personal housing loan in the early stage left a lot of room for the subsequent credit situation;

5. Moderately increasing personal housing loans (including other related loans in the real estate market) while ensuring rigid demand is conducive to alleviating the debt problem of some real estate developers and restraining the negative effects of the real estate market from spreading to other market entities.