Of course, it has an impact on ordinary property buyers, because the bank provides you with loans. The most important intermediary, you can understand it as his intermediary, because the money is not his. He just makes money with depositors' money and then makes you need money. They have money, that's enough. Originally, this amount was basically unlimited. As long as you want to do it, the personal conditions in this area are met, and there is basically no problem with banks, but now there are individual banks.
The current requirement is that the loan amount of most banks' house loans should be the same as the average amount in the last quarter of last year, and they should not exceed the loan amount. In other words, there are limits. After this limit is released, you can't let it go, just like you have money in your hand, and you have 6.5438+0 million, but one day your father told you that you can only borrow 500 thousand, and the remaining 500 thousand can't be moved. If you move, I will be angry and I will kick you out of the house.
This is only a part of the whole country, and it is a tense area like the north, Guangzhou and Shenzhen, because the housing prices in those places are already very high. It is normal for a house in Shenzhen to average 5 million to 8 million. If it is better, it is entirely possible to reach 1 10 million. Therefore, the loan amount is definitely high, but in some second-and third-tier cities, buying a house will cost one to two million or even hundreds of thousands.
If you are an ordinary second-and third-tier city or even a small county, then you don't have to worry about this problem. Guangzhou, Guangzhou and Shenzhen, the problem of the loan amount of this house may be more prominent, because the house price is very high. The average city may be 8000 1 10,000 yuan, which is quite high, but in these places, the house price has exceeded 50,000 yuan, exceeding 1 10,000 yuan, which is very good.