For individual property buyers, this means that both personal mortgage loans and housing loans are completely restricted. At present, the loan suspension only applies to some areas. Therefore, when a friend who wants to buy a house immediately applies for a loan from a bank, he must first understand whether the local policies are affected. The Insurance Regulatory Commission of the Bank of China and the People's Bank of China jointly issued an early notice on centralized management of real estate financing. If the bank's real estate risk exposure exceeds a certain proportion of its net capital, it must take relevant measures. At the same time, we also pay close attention to the changes of housing prices in different regions and cities, and take corresponding measures together with other departments and local governments because of the city's policy.

These measures are dynamic and can be adjusted at any time according to local conditions. Affected by the two red lines of real estate loans, a number of joint-stock banks have recently suspended mortgage loans. The major banks and their branches in the province suspended the issuance of mortgage loans a week ago. The front-end business is to limit orders, and major banks have suspended mortgages. Guangfa Bank said it would not take orders. Judging from the performance of the four major mortgage lenders, the loan period is about one month, which is difficult to guarantee at present. There is no unified notice to suspend the bank-wide mortgage business, but colleagues in many branches outside the province have communicated with the province, which has been reflected.

At present, the population influx rate in second-and third-tier cities is slowing down, the motivation of rising property prices is weakening, and the enthusiasm of developers is also weakening. In addition, the social welfare policies that these cities can provide to buyers, such as tuition and medical expenses, are not as generous as before, and the attractiveness of attracting buyers has also declined. It seems that just opening an account cannot offset people's desire to buy a house. The supply and demand of existing homes in second-and third-tier cities are basically in a state of oversupply, and even some second-and third-tier cities have large housing stocks. In this case, if bank loans are not reduced, it will only promote the over-development of real estate, and it will be easier to promote real estate.

There will be a certain degree of cooling in the real estate market, which will not only waste land resources, financial resources and other resources, but also cause the crisis of the real estate industry itself. At present, it is necessary and appropriate for commercial banks to take measures to tighten and stop mortgage loans in second-and third-tier cities. It can not only meet the needs of commercial banks to guard against financial risks, but also meet the expectations and results of the central government. On this basis, we must resolutely support this kind of credit supervision behavior of commercial banks. In terms of real estate loans, commercial banks do suffer, and long-term pain is better than short-term pain.