Banks are important financial institutions in the country, and they take money as a bargaining chip. So now, in order to obtain loans, all enterprises, regardless of size, are linked to banks, and they all have interests with banks.
How do banks make money?
The main way for banks to make money is to eat spreads, absorb deposits at low interest rates, and then lend at high interest rates to earn deposit-loan spreads.
take for example
The one-year deposit rate of a bank is 1.50%, and Zhang San has deposited 654.38+10,000 yuan in this bank. The bank only pays interest to Zhang San 1500 yuan every year.
The bank lent this 10 yuan to Li Si with a one-year loan interest rate of 4.50%. When Li Si borrows a loan from the bank 10 yuan, he needs to pay interest of 4,500 yuan.
Therefore, the bank withdrew 654.38 million yuan to pay interest 1.500 yuan, and lent 1.000 yuan with interest of 4,500 yuan, making a net profit of 3,000 yuan. This is how banks make money.
How did the house price rise?
The level of house prices is determined by the relationship between supply and demand. When the supply of houses exceeds the demand, house prices will fall. On the other hand, when demand exceeds supply, house prices will rise.
Of course, the relationship between supply and demand is analyzed from the natural laws of the market, but domestic housing prices have deteriorated, and the level of housing prices has involved human factors, which will lead to the rise of domestic housing prices.
take for example
Real estate speculators want to push up the housing price in a certain area. First, they buy at a low price, then they sell it to another person at a high price, and another person will sell it to others at a higher price. That's how the house price is transferred to me and I'll transfer it to you. Fake housing prices have also become real housing prices, so that housing prices in various districts have followed suit, leading to a gradual increase in housing prices throughout the city. This is the best way to push up housing prices in China.
Domestic houses have lost the essence of living, but become a tool for speculative goods and real estate speculators to make money, which is also the real reason why domestic housing prices are so high.
Why are high housing prices related to bank loans?
High housing prices are definitely related to bank loans, because high housing prices are not only most beneficial to developers, but also very beneficial to banks, which can also make banks make a lot of money.
Because more than 90% of domestic buyers buy houses through loans, since buying a house requires loans, banks must participate, so banks have become accomplices in pushing up housing prices.
What if the bank accepts it? Small profits but quick turnover? The new loan model means that banks discount loans with the benchmark loan interest rate, which directly reduces the mortgage interest rate, reduces the pressure of buying houses with loans, makes more people feel that the interest rate of buying houses with loans is so low, stimulates those who just need to buy houses, and enables more people to afford houses with loans. This directly makes the supply of houses in short supply, which directly pushes up housing prices.
However, if the bank significantly raises the mortgage interest rate, it will make people who borrow money to buy a house pay more costs, which will make many people see such a high mortgage interest rate, unable to bear the pressure of borrowing money to buy a house, give up the idea of borrowing money to buy a house, and have no savings to buy a house.
Therefore, a substantial increase in mortgage interest rates can make more people unable to afford houses, change the relationship between supply and demand of houses, make the supply of houses exceed the demand, and lower house prices.
In short, the interest rate of bank mortgage has a great relationship with house prices. Obviously, high housing prices are also related to bank loans. Because the mortgage interest rate can change the relationship between supply and demand of houses, and the relationship between supply and demand of houses determines the level of house prices, high-priced banks are also contributing, contributing and related.