As we all know, the "mortgage shortage" comes from the centralized management system of "five-file classification" loans, which draws a "red line" and tightens the bank credit line, including real estate enterprise loans and personal housing loans. Including the increase in mortgage interest rates, the extension of mortgage review and lending time, and even the announcement by individual regional banks to stop the second-hand housing loan business are closely related to the "mortgage shortage".
Housing provident fund loans are limited to employees who pay housing provident fund, and there are many restrictions. Those who have not paid the housing provident fund have no chance to apply for loans, but they can apply for personal housing loans from commercial banks, that is, bank mortgage loans; As long as the balance of your deposit in the loan bank accounts for not less than 30% of the amount of funds needed for house purchase, and it is used as the down payment for house purchase, and the assets recognized by the loan bank are used as collateral or pledge, or the unit or individual with sufficient compensatory ability is used as the guarantor to repay the loan principal and interest and bear joint liability.
Among the 70 large and medium-sized cities, the house price in 28 cities has fallen back to two years ago, accounting for 40%, and the provincial capital cities have exceeded 10, such as Zhengzhou, Harbin, Jinan, Nanchang, Taiyuan and other big cities. At present, the real estate market still lacks confidence. Since the second half of last year, many real estate giants such as Evergrande have had financial problems. Evergrande has not completely solved the problem of project shutdown. Although some properties are "taken over" by central enterprises, most projects are still in a state of suspension, and the whole market is also in a wait-and-see state.
Housing provident fund management centers around the country have a maximum limit. If the purchase price exceeds this limit, the insufficient part must apply to the bank for commercial housing loans. These two kinds of loans together are called portfolio loans.
This business can be handled by the real estate credit department of a bank in a unified way. The combined loan interest rate is moderate and the loan amount is large, which is more for the lender to choose. Discounts and promotions continue one after another, and the price of real estate diving is not uncommon, which directly leads most people to enter a wait-and-see state.
In February, RMB loans increased by 1.23 trillion yuan. Why did residents' medium and long-term loans decrease in February?
Relevant data show that RMB loans increased by 1.23 trillion yuan in February, but less than the same period last year, with an increase of1.25.8 billion yuan. In particular, the reduction of medium and long-term loans for residents means that citizens are increasingly reluctant to borrow money. Once there is a problem with the bank's flow, it will inevitably bring more negative effects. In the current international situation, it is more complicated, so China must speed up internal circulation, so as to achieve it.
On the one hand, the economic environment at home and abroad is more complicated, especially the global epidemic continues, which hinders economic development. In particular, the rising cost of many materials and the increasing pressure on enterprises' operation will affect their income and expenditure, so many enterprises are reluctant to make medium-and long-term loans, especially some import and export trade enterprises have been severely hit.
On the other hand, people's desire to buy houses has decreased, and most of the medium and long-term loans are commercial housing loans. However, with the government's regulation of the real estate market, people's desire to buy houses is getting lower and lower. Although China's economic development is slowly recovering, the life of real estate developers is also difficult. As fewer and fewer people buy houses, the amount of loans will naturally become lower and lower, so there will be a partial decline in February.
In fact, the government is also relaxing credit, and many banks have lowered the loan interest rate. This is to encourage enterprises and citizens to lend, so as to promote consumption and ensure the rapid development of the domestic economy. However, blind lending will also cause many negative effects, and even lead to inflation. Now international trade is not good, and the economic development of the whole world is in a state of recession. Therefore, China must let these funds flow into the real economy, so as to improve scientific and technological innovation, create better products and enhance international competitiveness.
Medium and long-term loans will decrease in 2022.
Today, I finally want to formally say to you, don't buy a house at random, because the property market has been completely cold and the real estate has been completely abandoned by us.
Why do you say that? First, there are two points. One is the era of low down payment and the other is the era of low interest rate. To tell the truth, in this era, house prices should skyrocket, but they still haven't risen, and the transaction volume is still plummeting. Now all cities in the country are still in a state of falling across the board.
Looking back at 2008 and 20 14, you will know that house prices should skyrocket, but this year, house prices have not skyrocketed, and history really will not simply repeat itself.
You see, although the interest rate hit a new low of 10 year, our residents' medium and long-term loans, including our mortgage, decreased by 1 60 1 0 billion year-on-year, with a cumulative decrease of more than 200 billion year-on-year, which is really scary.
Do you know what this means? It means that people are reluctant to borrow money to buy a house even if they have low-interest mortgages, because the expectation of rising house prices has been broken and real estate has completely cooled in our hearts.
Therefore, really don't buy a house casually, be careful to be a pick-up man.
So much for the introduction of loan relief.