Seeing such a topic, I think as a person who just needs to buy a house, I feel very sad, thinking that there is no hope of buying a house. After all, not many people can spend all the money to buy a house at once. . Mortgage is a necessary step for many home buyers. If mortgage loans are suspended, buying a house will become a fantasy again. So what is the reality? What is the focus of this information? Many banks were exposed to suspend mortgage loans? Which banks do you mean by multiple banks? Are they all banks? Mortgage moratorium? How long is the pause? Will there be a mortgage loan later? In response to these information points, let us answer the questions together so that we can know what impact this policy will have on home buyers.

This order appeared in Guangdong. In order to limit the rise in housing prices, there are new regulations that require banks to maintain a certain amount of annual loans and cannot exceed this amount. In other words, a red upper limit is set on the total loan amount. Once this limit is reached, new loans cannot be taken out unless the existing mortgage is paid off in advance to release a certain mortgage limit. So what banks are there? Each bank has conducted self-examinations. Many commercial banks' mortgage loans are over-limited or already full. These banks are unable to apply for new mortgage loans and can only delay the mortgage application process. The four major banks basically have little impact.

But what kind of impact will such a regulation have on home buyers? If you just need to buy a house, the pressure will indeed increase a lot. But many netizens said that this is also an excellent time to buy a house. Because many people cannot get loans to purchase real estate, if you can get a loan to buy a real estate first, one day in the future, when the mortgage quota is liberalized, the real estate market will definitely rebound in an oppressive manner, and the value of your house will rise sharply, so this Now is a good opportunity to buy a house. But just thinking about it is wonderful, but who can come up with so much money to buy a house, or who can stand out among so many mortgage applicants and get approved for a mortgage? Very small probability.

In short, the starting point of the regulations is good, in order to limit housing prices, but the restrictions are only the speculative psychology of real estate speculators, but they also increase the pressure on those who just need to buy houses. There are pros and cons!