At the end of the first quarter of 2008, the balance of RMB real estate loans was 522 trillion yuan, a year-on-year increase of 6%. The total debt of China residents exceeds 200 trillion yuan, and the per capita debt is 654.38+0.7 million yuan. The national savings rate has dropped from 58% to 45%.

2. At the end of 2022, the balance of RMB real estate loans was 5 16 trillion yuan, a year-on-year increase of 5%, 5 percentage points lower than the growth rate at the end of last year; The annual increase was 72 13 billion yuan, accounting for 4% of the increase of various loans in the same period.

3. One trillion. According to the information of China real estate development loans in 2006, the balance of China real estate development loans in 2006 was 14 trillion yuan. The year-on-year growth rate of 8% dropped by 3 percentage points from the end of last year, 343.3 billion yuan more than the beginning of the year, and 40 12 billion yuan less than the beginning of the year.

4. At the end of the first quarter of, the balance of RMB real estate loans was 522 trillion yuan, up 6% year-on-year, 9 percentage points lower than the growth rate at the end of last year; In the first quarter, it increased by 779 billion yuan, accounting for 3% of the increase in various loans in the same period, 8 percentage points lower than the annual level of the previous year.

5. The materials also show that the average family property in China is more than 3 million yuan, while real estate accounts for 77% of the total family property, and another 23% is considered as assets. But in this kind of real estate, a large part of the loans owed to banks have not been repaid.

Central Bank: At the end of the first quarter, the balance of long-term loans in the real estate industry increased by 5.6% year-on-year.

At the end of the first quarter, the balance of medium and long-term loans in local and foreign currency service industries was 483 trillion yuan, up 65,438+09% year-on-year, and the growth rate was 0.6 percentage points higher than that at the end of last year. In the first quarter, it increased by 77 trillion yuan, an increase of 546 1 billion yuan. The balance of medium and long-term loans in the real estate industry increased by 6% year-on-year, and the growth rate was 2 percentage points lower than the end of last year.

At the end of the first quarter of 2008, the balance of RMB real estate loans was 522 trillion yuan, a year-on-year increase of 6%. The total debt of China residents exceeded 200 trillion yuan, the per capita debt was 1.7 million, and the national savings rate dropped from 58% to 45%.

At the end of the first quarter of, the balance of medium-and long-term loans in local and foreign currency service industries was 464 trillion yuan, up 23 trillion yuan in the first quarter, up 311900 million yuan year-on-year, up 19% year-on-year, 0. 1 percentage point lower than the end of last year.

According to the website of the central bank, according to the statistics of the People's Bank of China, at the end of the first quarter of 2023, the balance of RMB loans of financial institutions was 200 1 trillion yuan, a year-on-year increase of14%; In the first quarter, RMB loans increased by 34 trillion yuan, a year-on-year increase of 663.6 billion yuan. First, the loans of enterprises and institutions grew steadily, and the interest rate of new loans of enterprises was at a low level.

Average housing loan balance

1. According to the latest data released by the People's Bank of China, by the end of 2002 1 14 trillion yuan, up 3% year-on-year, and the growth rate dropped by 2 percentage points from last month.

2. Depending on the income level of the owner, I personally think that the monthly mortgage loan accounts for 1/3 of the monthly income. For example, the monthly income is 20,000 yuan, and the monthly supply of RV is about 7,000 yuan; The monthly income is 5,000 yuan, and the monthly supply of RV is about 1500 yuan.

3. First, the lender can personally go to the personal loan department of the branch of the loan bank with his ID card. Second, he can inquire through online banking. Third, he can inquire through the bank's customer service phone. But this method can only get the single information of the loan balance, and he can't know the previous and future monthly repayment.

4. How to check the loan balance? Check at the bank counter, bring your ID card and loan bank card, and ask the bank staff for help directly. For mobile banking inquiry, log in first, find "My Loan" and select the housing loan, then you can inquire about the balance under the loan details.

This shows that people's desire to buy a house has reached its peak. In addition, the state gave a green light to the loan to buy a house, and people made full use of this favorable condition. Recently, the mortgage policy has been adjusted to promote the stable development of the real estate market. Housing financing is returning to normal, and residents' willingness to buy houses is also increasing marginally.

Proportion of real estate loans of Jiangsu banks

1, Jiangsu Bank's real estate loans accounted for 64% of the loan balance.

2. The upper limit of real estate loans is 25%, and the upper limit of personal housing loans is 20%. The third file is Chinese-funded small banks and non-county rural cooperative institutions, including city commercial banks, private banks, large and medium-sized cities and urban rural cooperative institutions. The upper limit of real estate loans is 25%, and the upper limit of personal housing loans is 15%.

3. In terms of indicators, the first limit of bank real estate loans and personal housing loans are 40% and 35%, the second limit is 25% and 20%, the third limit is 25% and 15%, the fourth limit is 15% and the fifth limit is 15%.

4. The upper limit of real estate loans is 25%, and the upper limit of personal housing loans is 20%.

5. The upper limit of real estate loans for financial institutions in five-tier banks is 40%, 27.5%, 22.5%, 17.5% and12.5% respectively; The upper limits of individual housing loans are 32.5%, 20%, 17.5%, 12.5% and 7.5% respectively.

6. Bank of Ningbo Annual Report shows that during the reporting period, the average daily scale of corporate loans increased by 65,438+0.77%, and the average daily scale of personal loans increased by 428%. But from the breakdown of personal loans, the fastest growing is personal housing loans.

New rules for real estate loans

The new regulations will not have a big impact on the real estate market in the short term. First, the set quota ratio basically conforms to the situation in 2020.

The new policy of Shanghai second-hand housing loan in is as follows: for the second set of improved housing, the interest rate of provident fund loan is adjusted to 1 times of the interest rate of the first set of housing loan in the same period.

The interest rates for years below (including 5 years) and over 5 years are adjusted to 6% and 1% respectively. The second set of personal housing provident fund loan interest rate policy remains unchanged, that is, the interest rates for less than five years (including five years) and more than five years are not less than 0.25% and 575% respectively.

This concludes the introduction of 20 14 real estate loan balance and 2020 real estate loan balance. I wonder if you found the information you need from it?