202 1, 1, 1, The Notice on Establishing a Centralized Management System for Real Estate Loans of Banking Financial Institutions issued by China People's Bank and China Banking Regulatory Commission was formally implemented. The new mortgage regulation sets two upper limits, namely, the proportion of real estate loan balance to the total loan balance and the proportion of individual housing loan balance to the total loan balance, and requires banks not to exceed the "red line". Generally speaking, the scale of funds for individual housing loans issued by major banks will be limited.

According to industry professionals, what is reflected behind the supervision of the central bank is that the real estate regulation and control policy has once again clarified the signal of "staying and not speculating" to curb the excessive support of credit funds for the real estate market, and the wind of "real estate speculation" will be curbed due to lack of funds. In the process of reducing real estate loans, some banks with too many mortgages will inevitably explore alternative areas of high-quality credit supply, which will help optimize the bank credit structure and support the development of the real economy.

The tightening of loan policy is a general trend, but the meaning of "tightening" needs to be viewed objectively. There will still be enough loan funds to support reasonable housing demand, so there is no need to worry about the suspension of mortgage loans. Although the specific operation of each bank is different, it is not realistic to stop lending, and mortgage business is still one of the important businesses of bank loans. As for the loan market, it will indeed be tense, which will objectively hit the demand for real estate speculation, and will also cause a decline in house prices or narrow the increase.

Extended data:

The following people can't borrow money to buy a house:

First, restricted people.

The system of restricting purchases and loans in each city is different, so people with large regional differences should pay attention, because your loan may not be approved, thus causing the problem that you can't buy a house normally after paying the deposit.

Second, high-risk industries or no staff.

Banks have their own risk control system. If you are engaged in high-risk industries, especially those whose lives are in danger at any time, you may refuse to provide funds because of the risk control of banks. In addition, there are many neets and freelancers who have no stable source of income and may face a series of problems of refusing to approve loans at the risk control level.

Third, people with bad credit information.

Credit information is an important basis for bank evaluation, especially now that the credit information system is becoming more and more perfect, everything done anywhere will be recorded by credit information, and people with poor credit information or serious violations will not be recognized, but will be unable to move because of the loss of credit.

References:

Chongming newspaper-banks will suspend mortgage loans in an all-round way? Can't I get a loan to buy a house?