Legal analysis: The first tier is large Chinese-funded banks, including Industrial and Commercial Bank of China, China Construction Bank, Agricultural Bank of China, Bank of China, China Development Bank, Bank of Communications, and Postal Savings Bank of China. Real estate loans account for The upper limit of loan ratio is 40%, and the upper limit of personal housing loan ratio is 32.5%.

The second tier is Chinese medium-sized banks, including China Merchants Bank, Agricultural Development Bank, Shanghai Pudong Development Bank, China CITIC Bank, Industrial Bank, China Minsheng Bank, China Everbright Bank, Huaxia Bank, Export-Import Bank, and China Guangfa Bank , Ping An Bank, Bank of Beijing, Bank of Shanghai, Bank of Jiangsu, Hengfeng Bank, Zheshang Bank, Bohai Bank, the upper limit of real estate loans is 27.5%, and the upper limit of personal housing loans is 20%

No. The third tier consists of Chinese-funded small banks and non-county rural cooperative medical institutions, including urban commercial banks, private banks, large and medium-sized cities and urban rural cooperative medical institutions. The upper limit of real estate loans is 22.5%, and the upper limit of personal housing loans is 17.5%.

The fourth tier is for county-level rural cooperative medical institutions. The upper limit of real estate loans is 17.5% and the upper limit of personal housing loans is 12.5%.

The fifth tier is rural banks, with the upper limit of real estate loans being 12.5% ??and the upper limit of personal housing loans being 7.5%.

Legal basis: "Notice on Establishing a Real Estate Loan Concentration Management System for Banking Financial Institutions" clarifies the institutional coverage, management requirements and adjustment mechanism of the real estate loan concentration management system, and sets up real estate in stages There are two upper limits on the loan balance ratio and the personal housing loan balance ratio.