First, the cause of the epidemic, the economic benefits are not good, housing prices are still rising, and the government is involved in regulation. Due to the impact of the epidemic, many companies have poor operating efficiency, and some even closed down, resulting in some people losing their jobs. However, in the case of the epidemic, housing prices in some areas not only did not fall, but continued to rise. And the state began to regulate housing prices, and the state advocated it? Do you want to live in a house? Policy. Therefore, the state will also formulate corresponding measures to control housing prices.

For example, the Shenzhen Central Sub-branch of the central bank has issued a notice to 20 commercial banks in Shenzhen, asking them to urgently check the operation of mortgage loans to see if any funds flow into real estate in violation of regulations.

The bank's tightening of mortgage loans is also in response to national policies to avoid a large amount of funds flowing into the real estate market, resulting in a situation in which house prices have been rising.

Second, the economic benefits are not good, and some people will not repay their loans, so banks tighten their mortgages. Some people mortgage their houses for loans, and then these funds flow into the real estate industry for real estate speculation, which also leads some people who just need to buy houses at high prices or take over second-hand houses at high prices. However, in the economic downturn, consumers may lose their jobs at any time, so the house they bought may be unable to repay and abandon the supply.

If this happens, the money lent by the bank will not be recovered so smoothly. Therefore, on the one hand, the bank's tightening of mortgage loans is a corresponding policy, which is managed by the Shenzhen branch of the central bank, on the other hand, it is also for its own interests and reduces the loan risk.

I think this policy is a good thing, which can curb the rise of house prices to a certain extent.

How to treat some big banks in Shenzhen tightening their mortgages? Welcome to leave a message below to express your opinion!