202 1 Don't allow mortgage to buy a house?
The proportion of mortgage loans in bank lending has dropped directly from 60% at the peak to 20% to 30% now, and the state will tighten mortgage loans, which is a business with high investment efficiency and less bad debts.
At the same time, the country has also released several signals.
1, insist on housing and not speculating, and lend money to people who just need it to buy a house. 2. Gradually reduce the capital flowing into the housing market and gradually achieve a balance between supply and demand. From the national policy to cool the property market (the key point is that money can no longer flow into the property market)
On the afternoon of June 5438+February 3, 2020/KLOC-0, the central bank issued the Notice on Establishing a Centralized Management System for Real Estate Loans of Banking Financial Institutions in official website. The Notice sets two red lines for banks on the scale of mortgage loans:
The first red bar is "the proportion of real estate loans", that is, the proportion of the balance of real estate loans of banking financial institutions to the balance of RMB loans of their own institutions.
The second red bar is "the proportion of individual housing loans", that is, the proportion of individual housing loans to the balance of RMB loans of financial institutions.
It is worth mentioning that after these two red bars, for ordinary property buyers:
It means that in the past, "small banks" adopted a more "flexible" personal housing loan policy, and the space for expanding this part of business will be limited, and the interest rate and qualification management of personal housing loans will be stricter.
Interestingly, the monthly repayment of our personal housing loan generally does not exceed 30% of family income, which is a "safety line" of family property to ensure normal family living expenses after monthly repayment;
The seven state-owned banks have the highest proportion of individual housing loans, accounting for 32.5% of the total loans.
It shows that the central bank also regards the vicinity of "30% of the total loans of state-owned banks" as the safety line of a country's "housing finance".
202 1 you can't buy a house with a provident fund loan.
First: people who are restricted.
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 jobs.
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. People with poor credit information or serious violations of discipline will not only be identified, but also be unable to move because of losing credibility!
The above is the relevant content of "202 1 Will mortgage to buy a house not be allowed" compiled by Bian Xiao.