About Shenzhen? The bank suspended the mortgage? This news has aroused the concern of the majority of property buyers, most of whom are worried about whether banks will suspend business on a large scale. However, many people in Shenzhen banking industry interviewed by 2 1 Century Business Herald said that since June this year 1, their banks have not provided personal housing mortgage loans in Shenzhen? Stop lending? , the mortgage amount? Is it loose or tight? . Most banks said that this year's mortgage lending was normal and even increased slightly. Among the four major banks, workers and peasants built three, and joint-stock banks, China Merchants Bank, China CITIC Bank and Guangfa Bank, all said that they did not have them in Shenzhen. Stop lending? Compared with the fourth quarter of last year, the amount of mortgage loans in June 5438+2020 was basically the same or slightly increased. Then why do buyers feel that lending is much slower? I think the reasons are as follows:

First, the number of buyers has increased. First of all, we analyze this problem according to normal logic. The most direct answer is that banks have not changed, but buyers have increased, so buyers will feel that lending is much slower.

Second, the property market regulation policy continues to tighten, and property prices in first-tier cities remain high. At present, the bank's material review of mortgage buyers has become strict, and the salary is a lot. Running water? Can't pass the customs. Personal income alone has been difficult to meet the requirements of monthly mortgage loans. For example,? Runxi and others? Net red disk? Is the key inspection area, some customers? Playing new? Runxi was selected in the fourth phase, but no bank agreed to lend money, thinking that grassroots employees could not afford it at all. ?

Third, Shenzhen introduced? Ba Shen? Regulate the property market and tighten the real estate policy. To contain it? False Divorce In order to solve the problem of real estate speculation, Shenzhen established a marriage information inquiry mechanism, requiring banks to handle personal housing loan business, and should inquire about the marital status of borrowers and the number of housing units owned by family members who bought houses in this city as the basis for loan review, and earnestly implement the requirements of differentiated housing credit policies. State-owned banks and joint-stock banks have strengthened the pre-loan review requirements for mortgage loans, especially the qualification review for purchasing houses.

To sum up, under the multiple effects of subjective and objective, many property buyers feel that lending is slow.