This is the second time that Tianjin has adjusted the interest rate of individual housing loans since September. At the beginning of September, many state-owned banks and joint-stock banks in Tianjin collectively raised the interest rate of commercial loans for the first home by 5 to 15 BP, that is, to 5% or 5. 1%. In fact, since the beginning of this year, many cities have raised the interest rate of commercial loans, and the first home loan in cities such as Hangzhou, Nanjing and Shenzhen even exceeded 6%.
Compared with the substantial adjustment of individual housing commercial loans, since the beginning of this year, many cities have introduced new policy details in the interest rate, quota, deposit and withdrawal of housing provident fund, and housing provident fund loans have also shown a tightening trend.
In August, Inner Mongolia and Guizhou successively issued notices, demanding that the interest rate of the second-home provident fund loan be 1. 1 times the interest rate of the first housing provident fund personal housing loan in the same period. Among them, the interest rate of the second home loan of Hohhot housing provident fund was adjusted in June 1, and the interest rate of the second home loan provident fund was higher than that of the first home loan in the same period 10%. In addition, Guizhou Housing Provident Fund Management Center also requires that the minimum down payment ratio of second-home provident fund loans should not be less than 40%.
Since April, at the end of the first quarter, individual loan interest rates of housing provident fund have been announced one after another in various places, and the individual loan interest rates in many places have soared, and some cities have touched the warning line. Among them, the individual loan rates of housing provident fund in Nantong, Hefei, Suzhou and Qinzhou are all above 100%.
In order to manage the liquidity of provident fund and curb investment speculation, Hefei, Guiyang, Guilin, Fuzhou and other cities have tightened their provident fund loan policies. Some have adjusted the withdrawal of provident fund, and some have introduced new regulations on early warning management of liquidity risk of local housing provident fund, and tightened the loan quota. For example, on April 29th, Nantong Housing Provident Fund Center issued the Notice on Adjusting the Loan Amount of the Second Housing Provident Fund to adjust the loan amount of the second housing provident fund to 50% of the original standard.
In addition, in recent months, Beijing, Shenzhen, Zhengzhou, Shanghai, Chengdu and other places have successively introduced new regulations on the deposit and withdrawal of provident fund. For example, on September 14, the Chengdu Housing Provident Fund Management Center announced the Notice on Relevant Matters Concerning the Implementation of the New Deal for Provident Fund Loans, indicating that the provisions on loan quota calculation and loan acceptance requirements will be adjusted.
Under the guidance of "housing and not speculation", various localities have intensively introduced the "patch" policy of real estate, in which mortgage loans are mostly related to the adjustment of mortgage quotas and mortgage interest rates. This is mainly due to the centralized management system of real estate loans introduced by the People's Bank of China and the China Banking Regulatory Commission at the end of 2020, which divides banking financial institutions into five levels for supervision and sets the upper limit of real estate loans for different banks.
Under the requirement of the "red line" of mortgage ratio, commercial banks have tightened the mortgage quota. The data of 202 1 listed banks' semi-annual report shows that compared with the end of last year, the balance of the two financing of most over-standard banks has declined. According to the data of Haitong Securities, compared with the 2020 annual report, among the 39 listed banks, 1 1 banks accounted for more than the warning line, but the extent of exceeding the warning line generally declined.
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