The supervision clearly stipulates that the loans obtained by mortgage loans can only be used for consumption or operation, and cannot be used for other investments, so many banks have strengthened the audit of the flow of funds. For example, VAT invoices need to be turned in before approval, and the flow of funds will be monitored irregularly later. However, many customers fail to meet the above requirements, which often leads to the inability to lend, so some banks directly cancel the housing loan business.

When the capital turnover is not open or there is a large amount of consumption, some people will take their own property to the bank as collateral, which can be ordinary houses, shops and apartments. However, some people just get loans from banks and then invest their money in the property market. In order to avoid excessive capital flowing into the property market, many cities have recently tightened the conditions of real estate mortgage loans.