The mortgage loan speed of some banks in Beijing has slowed down.
Recently, some media reported that due to the "two red lines" of real estate loans, the issuance of bank mortgages in Shanghai, Guangzhou and Shenzhen slowed down, and even many banks stopped lending. As for the situation in Beijing, on June 26, 65438+, beijing business today Today reporter interviewed a number of banks and loan intermediaries and learned that the overall amount of bank loans in Beijing was sufficient and the loan approval was normal.
The person in charge of the relevant business of a joint-stock bank Beijing Branch told the beijing business today reporter today that the bank's mortgage business is progressing normally and there is no loan suspension. 1 month is relatively loose, and the lending speed is no problem. "Now our bank's mortgage lending is normal, the bank's loan approval rate is high, and the success rate is the highest period every year." The credit manager of a branch of a stock bank told beijing business today.
Bank loans are divided into two parts: approval and lending. Most of the participating banks in Beijing said that the current mortgage approval and lending are normal, but some banks and intermediaries said that the pace of bank lending will be limited due to factors such as the approaching Spring Festival.
The credit manager of a city commercial bank told the beijing business today reporter today that the loan in Beijing is normal now, and the mortgage is 7- 15 days. However, due to the Spring Festival, the pace of mortgage loans near the Spring Festival may change.
"There was no policy adjustment years ago, and the mortgage approval was ok years ago, but at present, only the quota can be applied. Lending can only wait for years, and the Spring Festival is coming. At present, banks in Beijing have stopped lending, and other banks are estimated to need another week. It will be more difficult to suspend lending. " A bank loan intermediary told beijing business today reporter.
Recently, news such as "the mortgage is changing" has been reported in newspapers, but it is worth noting that by combing the relevant information, it can be found that most banks that have "stopped lending" in the market are banks whose mortgage concentration is "on the line". Zhou, an analyst in the financial market department of China Everbright Bank (60 18 18), pointed out that due to the red line of mortgage loans, personal housing mortgage loans mainly touched the "suspension of loans" of red-line banks.
Previously, on February 65438+3 1 day, 2020, the Central Bank and the China Banking Regulatory Commission issued the Notice on Establishing the Management System of Real Estate Loan Concentration of Banking Financial Institutions (hereinafter referred to as the Notice) to establish the management system of real estate loan concentration of banking financial institutions. The policy sets the upper limit of real estate loans and personal housing loans for all banks of different grades, and sets a two-year or four-year adjustment transition period for banks that exceed the standard. The Notice shall be implemented as of 20211.
Judging from the direct impact of this regulation, soochow securities (60 1555, stock bar) research report pointed out that 10 listed banks' housing loans exceeded the standard, while 1 1 real estate loans exceeded the standard.
When talking about whether the recent mortgage restrictions have been affected, Huaxia Bank (6000 15, Share Bar) replied to the beijing business today reporter that by the end of 2020, the bank's personal housing mortgage loan balance ratio will meet the requirements of centralized management of real estate loans. At present, the Beijing area of the bank adheres to the policy of "housing and not speculating" to meet the first demand, support the improvement demand and develop its business steadily.
"Loan restriction is a problem of the head office, which has exceeded the regulatory red line, so it is necessary to stop control, and the grassroots level is not affected by whether the local branches have exceeded the indicators." A related person from a joint-stock bank Beijing Branch told the beijing business today reporter. He further added that the head office has a total mortgage index and then distributes it to branches all over the country. If the branch's own loan exceeds the limit, it needs to be adjusted. In addition, even if the head office exceeds the red line and the quota is sufficient, the branches will not be affected.
This is an important incentive for the limited overheated credit in regional markets.
The mortgage trend in the north, Guangzhou and Shenzhen has always affected the market nerves. Compared with the situation that banks in Guangzhou, Shenzhen, Shanghai and other places "stopped lending" and the quota was tight, the Beijing market was slightly "calm".
Under the background of unified national policies, only some areas have limited bank quotas. Some insiders believe that the storm of mortgage restrictions cannot be simply attributed to the influence of the new regulations of the "two red lines" of the central bank, but is more related to the backlog of loan applications with active market transactions in some areas.
According to the statistics of the Central Plains Real Estate Research Center, mortgage loans in first-and second-tier hotspot cities in China are basically normal, and a few cities such as Shanghai, Guangzhou and Shenzhen have experienced loan queuing, but the approval of new loans is normal, and there is no policy change in normal mortgage loans.
Zhang Dawei, chief analyst of Zhongyuan Real Estate, thinks that the mortgage amount is distributed on a monthly basis. Some hot cities have active transactions in 2020, and a few transactions are overstocked, moving to 202 1, which affects the pace of mortgage lending. Judging from the actual situation of the current market, the loan approval in hot cities is normal, but the lending period is slightly lengthened, and some cities have lengthened from 1 month to 2 months. Judging from the banking policy, there is no change at present. At present, the bank's loan policy is consistent with that in 2020, and transactions that meet the loan qualification can be lent normally.
"The changes in mortgages are not all policy reasons. Some cities are active in trading and slow in lending. February is the Spring Festival, there are fewer transactions, and natural lending is normal again. " Zhang Dawei told the reporter of beijing business today Today.
In fact, the domestic attitude towards the property market is very clear. Housing prices in some areas where mortgages have been tightened have increased significantly in recent days. In view of the property market boom in Shanghai and Shenzhen, the two places also quickly introduced regulatory policies. On June 5438+1October 2 1 day, the Shanghai Municipal Commission of Housing and Urban-Rural Development and other departments issued the Opinions on Promoting the Stable and Healthy Development of the Real Estate Market in this Municipality, which cooled the market by strictly implementing the purchase restriction policy, strictly implementing the differentiated housing credit policy and strictly managing the sales of commercial housing. Two days later, on 23 October, 65438/kloc-0, Shenzhen Housing and Construction Bureau issued the Notice on Further Strengthening the Examination and Management of Purchase Qualification of Commercial Housing in Our City, starting with the strict examination of the qualifications of buyers and increasing the penalties for violations.
According to the new regulations, some banks intend to tighten their quotas.
In addition to the differences in regional property markets, in the long run, the impact of the new regulations on centralized real estate loan system formally implemented in June this year (65438+ 10/kloc-0) on subsequent bank mortgage changes and business has aroused considerable concern in the market.
Zhou pointed out that the original intention of the new mortgage regulations is to set a "safe boundary" for banks, avoid the potential risks of banks' excessive dependence on real estate, and guide banks to increase their support for weak links and key areas of the real economy. Due to the implementation of the new bank mortgage regulations, some banks that hit the red line have limited new mortgage business, and the stock business is under pressure to rectify. In particular, first-tier cities have the role of a weather vane in the country, and the regulation of the property market is normalized. Recently, the new bank mortgage regulations just introduced are expected to be strictly enforced.
"We haven't done anything radical before, so we can still apply for a loan normally. Some banks have exceeded the new red line and the follow-up should stop. " A related person from the above-mentioned joint-stock bank Beijing Branch said. A person in charge of the business of a city commercial bank in the north told the beijing business today reporter today that under the new regulations, the bank's real estate industry loan increment will definitely be affected, and the space is running out, so will the mortgage. However, the detailed rules have not yet been worked out, and it is necessary to wait for the supervision to implement detailed policy requirements.
"The time required by the new regulations is from 65438+ 10/month 1, and the proportion of our bank exceeds the standard. At present, we have not received the notice from the leaders that the transition will be completed within two or four years, but the specific arrangements will be issued soon. Beijing's mortgage head office has been very tight, and there is no obvious contraction at present, but I heard that it has been planning to tighten the quota. Now customers can apply for mortgage loans, and it will be hard to say in another month. " A staff member of a joint-stock bank told the beijing business today reporter.
In Zhou's view, based on the influence of the new bank mortgage regulations, the follow-up will also affect the mortgage situation of various banks because of the differences in whether the mortgage of each bank touches the red line. How long the "loan suspension" exceeds the limit depends on when these banks can take measures to "make room for mortgage loans". However, it is worth noting that the securitization of mortgage assets has warmed up in the market recently, which may become a way for some banks to legally "evade" the mortgage red line, and the subsequent market development remains to be seen.