On March 1, it was reported that Shenzhen's operating loans based on real estate were tightened, and the mortgaged real estate should also be subject to the guidance price issued by the Housing and Construction Bureau, which was lower than the evaluation price issued by the appraisal company to the bank. The reporter learned that two banks in Shenzhen have started to implement it, and other banks are expected to follow suit.

On February 8 this year, Shenzhen Housing and Construction Bureau issued a document to establish a reference price release mechanism (guidance price) for second-hand housing transactions. At present, the guidance price has been implemented in the four major banks in Shenzhen, and China Everbright Bank, Minsheng Bank, Shenzhen Branch of Bank of Beijing and Shenzhen Rural Commercial Bank have also joined the team of issuing mortgage loans with reference to the guidance price.

The operating loan mortgage of real estate appraisal is discounted at the guiding price.

"After the bank rose by 15% according to the guidance price, the latest news came from operating loans, which were also implemented according to the guidance price. Bank of China, one of the four major banks, is about to implement, and the loan amount (loan amount) = area × guidance price × 70%. At present, BOC has stopped submitting documents. "

On March 1 day, it was reported that the operating loan amount would be 30% off the guide price. The reporter learned from Shenzhen bankers that Bank of China and Bank of Shanghai Shenzhen Branch have started to mortgage real estate assessment and discounted the guidance price.

In the past, when banks issued commercial loans to small and medium-sized enterprises with housing as collateral, they would ask for quotations from evaluation companies and make a 30% discount on the basis of the quotations, leaving a margin of safety. Because most of the house prices are on the rising channel, the quotation of the appraisal company is generally lower than the real-time transaction price in the market, but the appraisal company will adjust the appraisal price every once in a while.

Some bankers told reporters that although the evaluation price is lower than the real-time market transaction price, it is still much higher than the newly released guidance price. In other words, now that individuals apply for housing mortgage loans, the amount they can get will be reduced. The above people expect that other banks will follow suit.

The four major banks in Shenzhen have implemented guided price lending.

On February 8, Shenzhen Housing and Construction Bureau released the reference price of second-hand housing transactions in 3,595 residential quarters in the city. Wang Feng, a real estate expert from the Ministry of Housing and Urban-Rural Development, and director of the Shenzhen Real Estate and Urban Construction Development Research Center, said in an interview with the media that the guiding price of second-hand houses was formed by comprehensive analysis and calculation based on the online signing price of Shenzhen property market in the past year, by investigating the actual transaction situation in the market and evaluating the price by banks. Banks will take the official reference price as an important reference for issuing loans, and they can float on this basis, but if it is too outrageous, it may lead to an interview and take responsibility for it. In addition, the reference price will be updated as the market changes.

Shenzhen Everbright Bank Shenzhen Branch took the lead in responding to the housing guidance price. Soon, more and more banks in Shenzhen joined the team, some issued official documents, while others verbally notified them.

China Construction Bank Shenzhen Branch clearly takes the reference price of second-hand housing transactions issued by the Housing and Construction Bureau as the reference basis for mortgage loans, which will be implemented on February 23rd.

Almost at the same time, Shenzhen Branch of Agricultural Bank of China also said that the second-hand housing loans before the New Deal were implemented according to the original system. After the implementation of the New Deal, the bank regards the guidance price issued by Shenzhen Housing and Construction Bureau as an important reference for loan issuance, and the specific rules are being studied and formulated.

Soon, the Shenzhen branch of the four major banks responded to the government guidance price. At the end of February, Shenzhen Rural Commercial Bank, headquartered in Shenzhen, issued a similar statement.

The mortgage is increased according to the guide price 15%.

After all, the guide price is only a reference. It is reasonable to allow a certain degree of deviation in bank lending according to the actual market situation. How big can this deviation be?

It has been reported in Weibo that if the second-hand property is loaned according to the guiding price, it can rise by 15%, that is, if the guiding price is 65438+ 10,000/flat, it can be loaned according to1/0.5 million/flat. Operating mortgage loans are temporarily implemented at the original evaluation price. However, the above news has not been confirmed by banks, including two named banks.

China Merchants Bank Shenzhen Branch told reporters that the bank will strictly implement the regulatory requirements. China Construction Bank Shenzhen Branch said that in order to implement the principle of "no speculation in housing" and promote the stable and healthy development of Shenzhen's real estate market, the bank will take the reference price of second-hand housing transactions as an important reference for personal refinancing loans, and the specific implementation rules are still being further studied and improved.

Strictly investigate the illegal inflow of operating loans into the property market.

Since 2020, the government has encouraged banks to issue mortgage loans to small and micro business owners, which has made some people see opportunities to exploit policy loopholes.

Operating loans are cheaper than housing mortgage loans, and there is a quota, so some buyers have come up with a way to buy a house with a full loan, and then take the house as collateral and take the operating loan from the bank to repay the loan.

Monitoring this trend, since last year, many regulatory authorities have issued a document to strictly investigate the illegal entry of operating loans into the property market.

According to the reporter's understanding, some banks in Shenzhen will apply for operating loans to individuals who apply for housing mortgage loans within six months, and the banks will not approve them, and credit will be granted according to the actual situation after six months.

The retrospective period of self-checking consumer loans and operating loans of banks in Shanghai is also close to 6 months. At the end of this year 1, the Shanghai Banking Insurance Regulatory Bureau issued the Notice on Further Strengthening the Management of Personal Housing Credit, requiring commercial banks to conduct a comprehensive self-examination of consumer loans, business loans and personal housing loans issued since June 2020, and prohibit the issuance of loans with no use, false use and suspicious use. Prevent consumer loans, commercial loans and other credit funds from being illegally diverted to the real estate sector.

Beijing Banking Insurance Regulatory Bureau said in official website on February 20th that in view of some signs of speculative real estate speculation in Beijing real estate market, financial management departments took the initiative to attack intensively to prevent credit funds from illegally flowing into the real estate market.

Some time ago, Guangdong Banking Insurance Regulatory Bureau deployed banking institutions under its jurisdiction to carry out rapid self-examination through window guidance and supervision tips, comprehensively find out relevant information, investigate and rectify violations, strictly regulate business cooperation with intermediaries, plug business management loopholes in time, and improve product service processes.

(The original title is "Tightened again! Shenzhen real estate mortgage loan business should also refer to the government guidance price ").