On February 1 2006, Tongcheng, the People's Bank of China, which is concerned about the housing loan policy of China Bank, bought a commercial personal housing loan for ordinary housing for the first time. In principle, the minimum down payment ratio is 25 moves and 5 percentage points.

If you own 1 apartment and apply for a commercial personal housing loan to buy ordinary housing again in order to improve living conditions, the minimum down payment is 0%.

Second, how many people can domestic banks afford to default on their mortgages?

If the bank has a mortgage default, that is to say, the money released by the bank to buy a house for an individual cannot be recovered.

In fact, there is a more appropriate way to ask this question: when will banks stop providing mortgage loans to individuals? Or how big is the personal mortgage in loans overdue that banks can afford?

Because there is a problem behind this: the bank's balance of payments.

If the income exceeds the expenditure, even if the individual mortgages loans overdue, the bank will make up the expenditure with the extra income, so as to make ends meet. But this situation is the most common in our country, because our country's income is greater than expenditure, and it is more than 6.7% in 20 17 years.

So what will happen to you? Let's analyze it in detail:

In other words, the bank's expenditure is greater than its income.

Bank expenditures include loans, financial investments, discounts, foreign exchange rates, government financial loans, overdrafts and others.

At the end of 20 16, the broad money supply in our country was 155 trillion, which means that banks in China include cash flow and various deposits.

At the end of 20 16, the total loan amount was 1 12. 1 trillion. That is, the money spent by the bank.

Let's not discuss foreign exchange, inflation and other factors that affect the balance of payments between countries, because our country is now a floating exchange rate, which will automatically smooth out the balance of payments (that is, the trade deficit).

In other words, the money supply between our banks is still 42.9 trillion.

By the end of 20 16, the total amount of individual housing loans in China was 19.4 trillion.

And this 19.4 trillion is also in 1 12. 1 trillion.

In fact, this 42.9 trillion yuan is almost the amount of money circulating in society, which shows that the speed of money circulation in our country is about 3.6 times, which is a high capital utilization rate, that is to say, our country 100 yuan can circulate in society 3.6 times in 20 16 years.

In other words, the total amount of personal loans must reach 155 trillion to make the bank's income and expenditure seriously unbalanced. At this time, the bank can't stand it.

Total real estate sales in 20 16.86 17 trillion, and sales area1573.49 million square meters. Average per square meter 107 16. 12 yuan.

Suppose everyone buys a house of 100 square meter, then everyone buys a house of10.072 million on average.

It is equivalent to 65.438+0.45 billion people buying 65.438+0.72 million houses at the same time to spend the money.

Therefore, our bank can bear about 654.38+0.45 billion people at the same time, and at the same time cut off supply.

Moreover, these have no ability to use interbank lending, basic deposit reserve, additional currency and financing. In addition, the bank's investment in industry, agriculture, finance and other fields may have capital return, which accounts for most of the bank's expenditure.

3.20 16 What is the ratio of male to female born?

The sex ratio at birth is112.88:100.

At present, the ratio of male to female in China is 1 16.9: 100, and some provinces reach 135: 100. There will be more than 50 million bachelors in China. This will have a great impact on China society. 1. Most of the men who can't get married in China in the future are poor, which will inevitably intensify the opposition between the rich and the poor and cause contradictions. 2. More men and fewer women will make women's demands on mate selection too high and make their social mentality unbalanced. 3. Some countries around China also have more men than women, such as South Korea, and their poor men will definitely look for girls in Chinese mainland.

Four. What is the total amount of housing loans in China in 20 16?

The benchmark interest rate of housing loan is 7.05%, which is generally implemented according to the benchmark interest rate, but some areas will rise, which is related to the local housing policy.