According to the policies announced by major banks, it can be seen that many banks have suspended mortgage loans. We all know that buying a house is very important, especially at the end of the year. Many people want to finalize this matter. But when this time came out, banks could not apply for housing loans. We all know that the price of a house is very high, so many families can't buy a house in full, so they must borrow money to buy a house. Under such circumstances, if the bank can't get a loan to buy a house, it means waiting. So today we will discuss why many banks will announce the suspension of mortgage loans at the end of the year.

First, the current loan amount is limited.

The staff of the preparatory bank said in an interview that it was not that they stopped housing loans, but that they did not have a loan quota. In this case, the bank has no extra money to give to others. So at this time, it is not because they want to stop applying for loans unilaterally, but because they are unable to apply for housing loans. If you want to continue, you can only wait, and for many families, waiting is obviously impossible.

Second, how to treat such a thing?

The reason why this happens is that the standard of housing loan review is very strict, because bank lending in many areas has actually exceeded the original limit. Therefore, in order to ensure that the operation of the bank will not be affected to the greatest extent, the bank will stop lending at present. Or to put it another way, it is to ensure that the previously established standards can maintain their functions. After all, the loan ratio of each bank is different, so after reaching the standard, this business must be suspended for a period of time, and someone must return the loan before continuing to lend.

Third, how to treat such a thing?

To tell the truth, banks do this mainly to maintain market stability, but also to ensure that banks have a certain ability to resist risks, which is helpless. Although many families feel that buying a house is very important, since many banks can't handle housing loans, it means that there is no way to buy a house in this way. So under such circumstances, there must be many families who can't buy a house in a short time. Buying a house in full is unrealistic for many people. After all, the general down payment is only about 30%.