A person in charge of the retail credit department of China Merchants Bank said that the mortgage was tightened at the end of the year. In addition to the fact that some bank mortgages are about to run out, it is the practice of banks to tighten first and then loosen. The "30%" regulatory red line is a sword hanging over the cross-line banks.

The person in charge of China Merchants Bank added that the central bank and the China Banking Regulatory Commission had requested at the beginning of this year that the new housing-related loans this year should not exceed about 30% of all new loans, which has a certain binding effect on banks.

The bank's semi-annual report in 2020 shows that new real estate loans such as China Merchants Bank, Shanghai Pudong Development Bank, Industrial Bank and Ping An Bank account for more than 30%. Some branches of China Merchants Bank in Shenzhen have taken the initiative to reduce new housing-related loans in the third quarter.

The first home loan is a hot potato in the eyes of some banks, but in the eyes of other banks, it may be a business sector that is actively marginalized. In particular, after the central bank put forward a requirement of 30% for the proportion of new housing-related loans to banks, the position of the first home loan in commercial banks was further aggravated.

A person in charge of a joint-stock commercial bank who has been in business for more than ten years and does not want to be named bluntly said that although the first-and second-tier cities have a wide base of high-quality customers and a high safety factor of the first home loan, the possibility of bank bad debts is low. But the income is low and the human and material resources are invested heavily.

"Under the background of' restricted purchase' and' restricted loan' housing regulation, the approval of the first home loan is very complicated. Banks spend the same manpower and material resources, and their income is only about half or even less than one-third. " The above-mentioned person in charge has no choice but to feel that it is not very beneficial for small and medium-sized commercial banks to carry out too much business in this area today when the bank loan interest rate has been liberalized.

In fact, in recent years, it is similar to Industrial Bank, China Everbright Bank and China CITIC Bank. Some third-and fourth-tier cities have already stopped accepting housing mortgage loans.