"In the future, we will maintain the continuity and stability of regulatory policies and enhance the accuracy and coordination of regulatory policies." Wang, Minister of Housing and Urban-Rural Development, pointed out that it is necessary to continue to steadily implement the long-term mechanism of real estate, ensure that housing is just needed, and at the same time meet the demand for reasonable improvement, promote the virtuous circle and healthy development of the real estate industry, and strive to stabilize land prices, house prices and expectations. Some analysts believe that the continuous rectification of the regulatory policies for the real estate market provides a prerequisite for resolving the risks in the real estate market. With the continuous efforts of the supply and demand sides of the real estate market, especially the continuous adjustment of mortgage policies in various places, it is expected that real estate sales will bottom out and stabilize, and the scale of development loans will also increase, increasing or exceeding 202 1 year. Development faces the problem of weak demand. The person in charge of a joint-stock bank said that although the bank adjusted the amount of housing-related loans this year, the attitude of housing enterprises towards financing was more rational than before. On the whole, the demand of housing enterprises for development loans has weakened. Yif Wang, chief analyst of the financial industry of Everbright Securities, pointed out in the research report that from the development of loans in June 5438+ 10, policy banks are the main providers of loans at present, among which CDB accounts for a relatively large proportion, and the four major commercial banks are higher than joint-stock and urban rural commercial banks. Policy changes will promote real estate recovery. "The demand for real estate development loans is declining, mainly because the willingness to take land in the real estate market has not fully recovered." An analyst bluntly said that the further improvement of real estate sales is an important measure to promote real estate development loans and real estate market recovery. Yan Yuejin, research director of the think tank center of Yiju Research Institute, said that recently, due to the city's policy, some cities have lowered the threshold for buying houses and entering the market, which has played a positive role in active market transactions. With the recovery of market transactions, it is expected that the subsequent house prices will not fall too fast and the market fundamentals will get better. According to the data of the National Bureau of Statistics, in June 5438+ 10, the decline in house prices in 70 cities weakened, and the real estate market is expected to improve steadily. The sales prices of newly-built commercial housing and second-hand housing in cities rose or fell month-on-month, and the number of cities decreased month-on-month. On a year-on-year basis, the increase in sales prices of new commercial residential buildings and second-hand residential buildings in various cities still declined overall, and the number of cities that fell year-on-year increased. Yif Wang believes that other "package" policy measures to support the real estate market are also expected to be launched, such as AMC targeted support measures to alleviate the cash flow pressure of problem housing enterprises, combined with policy mergers and acquisitions; Market-based mergers and acquisitions; A reduce the impact on asset prices, thus stabilizing the asset price system and avoiding asset recycling that may be highly dependent on market-oriented mergers and acquisitions. First, prevent the sharp decline in asset prices. He predicted that the stabilization point of the current real estate sales growth rate may be slightly ahead of the second quarter of this year, and the turning point of the mortgage boom may be in the third quarter of this year. On the whole, the new scale of development loans this year may be better than 202 1. This article comes from picking lotus. Related Questions and Answers: Related Questions and Answers: What does it mean for banks to suspend real estate development loans? This means that the era of profiteering by real estate developers has passed, and the bubble, financialization and capitalization in real estate development have ended. It means that the threat and crisis risk of this high housing price is very great now. . There is a huge risk in housing prices. The moisture of high housing prices is huge. This shows that the overall risk of this loan in the real estate industry is very huge. Real estate developers go bankrupt, and mergers and acquisitions will happen at any time. The systemic security and risks that will be implicated in banks at any time are enormous. Is this that the banking system is fully aware of the great crisis danger of real estate development? This malicious speculation in the real estate industry, driving up housing prices to form high housing prices, is unsustainable and unsustainable, and the current high housing prices that are divorced from actual demand are also unsustainable. If banks maliciously increase loans, it will make the real speculation of housing prices a castle in the air. When the house price is equally high, who will be the last taker? Who will become the cannon fodder and stepping stone of high housing prices in the real estate market? Who will be a ruthless reaper? Finally, only real estate agents will have a large number of overdue loans, and many property buyers will also become overdue loans, leaving a large number of overdue loans to banks. The bank eventually became the ultimate owner of these houses. It is a very dangerous sign and sign to become the final pick-up man of these overdue houses. Therefore, when the bank's judgment on the value and price of real estate developers changed, the bank gave up this kind of loan support, and the policy was introduced, which was the beginning of the value and price that the whole real estate industry was not worth lending to the banking system. It is the red line crisis of the whole real estate industry, and the bubble is very huge, so banks should resolve the crisis risk in advance. A highly targeted policy is to give up loan support. This is the process of correct judgment and understanding made by the banking system in order to maintain its own security. This is the beginning of the process that the value price of the whole real estate industry returns to his rationality.

Two, banks do entrusted loans, under what circumstances it is possible to occupy the bank's own funds.

It is recommended to consult the local bank for loans.

Need to prepare information:

1, personal identification: ID card, residence permit, household registration book, marriage certificate and other materials;

2. Provide stable proof of address: such as house lease contract, water and electricity bill, property management and other relevant certificates;

3. Provide proof of stable income source: bank flow sheet, labor contract, etc.

4. Other information stipulated by the bank.

3. Does the entrusted loan occupy the credit line?

You can consult the bank of this enterprise. If the entrusted loan also occupies the credit line, you can make a time deposit without occupying the credit line.

Enterprise bank credit line refers to the maximum loan line that a bank can give to an enterprise according to relevant information after a single enterprise applies for a bank loan, within which it can lend money at any time.

Four, the enterprise's bank credit line is used up, can it still handle entrusted loans?

You can consult this enterprise to entrust loans. If you also occupy the credit line, you can deposit on a regular basis without occupying the credit line.

After an enterprise applies for a bank loan, the bank will give the enterprise the highest loan according to the relevant information.