First of all, the state's policy on the real estate market has not changed, and the core is stability. Moreover, it has repeatedly emphasized the dominant position of the city and the establishment of a long-term mechanism to promote the stable and healthy development of the market. Therefore, no matter what policies are adopted, including the bank's loan restriction this time, the key is to stabilize housing prices. If it falls, it will be stable and there will be no sharp drop, but the factors of urban polarization cannot be ruled out.
Secondly, the Notice on Establishing the Centralized Management of Real Estate Loans in Banking Financial Institutions jointly issued by the Central Bank and China Banking and Insurance Regulatory Commission set the maximum limit ratio of mortgage loans, that is, the upper limit of real estate loans and the upper limit of personal housing loans, instead of stopping all loans, which is different. There have been' three red lines' in the financing of housing enterprises before, and this time, the highest limit has been set, which will inevitably make it difficult for some small and medium-sized housing enterprises to survive, and the stock of houses in the market will gradually decrease. On the other hand, personal housing loans are not only limited, but the loan interest rate will be raised, which will undoubtedly add insult to injury to those who just need to buy a house. In other words, although many people have difficulty in buying a house, the number of houses on the market is also decreasing, so house prices will not fall easily.
Third, restricting mortgage will affect housing prices, but it is not the only factor, such as the supply of land, the completion of shed renovation, the renovation of old residential areas, the inventory of new houses and the inflow of population. Therefore, the bank's loan restriction is only one aspect, even if it has an impact, it will not be too big. If the house price falls, it is of course a good thing for the just-needed, but the bank's loan restriction increases the difficulty of buying a house. For the just-needed, it is necessary to assess the situation and choose the right opportunity to get on the bus.
The phenomenon of parking real estate loans in some cities is the superposition of the red line of housing-related loans recently issued by the central bank and the tight liquidity at the end of the year. It won't last long, and the state should have corresponding policies for just-needed and improved housing.
remember, the state's current attitude towards real estate is to establish a long-term mechanism to prevent systemic risks and suppress real estate speculation!
Therefore, friends who just need to buy a house can wait until the policy is relaxed. I still want to invest in buying a house, and my expectations are soaring. I suggest that I should stop! To invest and do business, you still have to listen to the party and follow it, not go against the current!