First, the ways of borrowing money, such as flower beds and borrowing money, are facing tightening.
In March this year, the China Banking Regulatory Commission and other five ministries and commissions issued a document requiring microfinance companies not to issue Internet consumer loans to college students.
The most common peer-to-peer lending tools in our daily life are "flower bank" and "borrowing bank", which belong to the category of Internet microfinance companies. The most commonly used tools for ordinary young people to borrow money are "flowers" and "borrowing". This is equivalent to cutting off an important channel for college students to borrow money.
Data show that the overall penetration rate of credit products among young people in China has reached 86.6%. The young people who are really in debt in China account for about 44.5% of the total number of young people.
The income level of college students and newly graduated college students is not high, or even no income. But from time to time they borrow money from online credit products to buy brand-name mobile phones and computers. In the end, it is definitely not advisable to either have parents at the bottom or borrow the new and return the old.
Second, in the second half of the year, mortgage loans are tightening.
According to RealData data, in June, the mainstream interest rate of the first home loan in 72 cities was 5.52%, and the interest rate of the second home loan was 5.77%, up 5 and 4 basis points respectively from May. In June, 1972, the average lending period of urban mortgage was 50 days, 2 days more than last month.
Among them, Guangdong-Hong Kong-Macao Greater Bay Area cities such as Foshan, Dongguan, Zhongshan and Huizhou. The loan period is above 100 days, and the second-hand housing transaction period is longer.
According to 2 1 Century Business Report, Shanghai's mortgage quota is in a hurry. The mortgage manager of a big bank said that at present, not only the quota in the first half of the year is used up, but also the quota in the third quarter is not enough. Whether it's the first or second set, whether it's first-hand or second-hand, if you want to apply for a mortgage, please wait until the fourth quarter.
In addition, Wuhan, Hefei, Nanjing, Lianyungang and so on. It is reported that some banks' second-hand housing loans are in a hurry and even stop lending.
Mortgage is a formal way for residents to borrow money when buying a house. Now we can see that the cost (interest) of mortgage is getting higher and higher, and the difficulty is getting bigger and bigger (the second-hand housing loan is getting more and more difficult, and the loan time is getting longer and longer).
In addition, for non-standard loans, the regulatory part is also being severely rectified.
At the beginning of June, Guangzhou asked microfinance companies not to engage in "bridge loan" and "foreclosure loans" business. Shenzhen requires small loan companies to focus on self-examination of cooperation with real estate intermediaries, mortgage service companies and other real estate-related intermediaries.
Considering that the regulatory authorities had previously rectified commercial loans and consumer loans, the funds illegally entered the property market.
It can be said that when residents buy a house, all channels for borrowing money are either tightened or rectified.
The tightening of residents' loans to buy houses is not groundless, but an inevitable thing.
As early as a few months ago, the central bank and the China Banking Regulatory Commission announced the establishment of a centralized management system for real estate loans of banking financial institutions, that is, setting a ceiling for real estate loans and a ceiling for personal housing loans, which means that real estate loans have been "bound".