1, official bulletin
Under strict supervision, the real estate market has rapidly cooled down, and the real estate industry has also ushered in the deepest adjustment in the past two decades. According to the latest data from the People's Bank of China, by the end of the second quarter of 2022, the balance of real estate development loans was 12.49 trillion yuan, down 0.2% year-on-year, and the growth rate was 1. 1 percentage point lower than that at the end of last year. The balance of individual housing loans was 38.86 trillion yuan, up 6.2% year-on-year, and the growth rate was 5. 1 percentage point lower than the end of last year.
2. Why should the state prevent the real estate bubble economy?
There is indeed a structural bubble in real estate in China, that is, the housing prices in some cities are seriously high, the ratio of housing prices to income deviates from reality, and housing has already entered? Supply exceeds demand? Things have changed. Of course, it doesn't mean that there is no bubble in big cities. Take Shenzhen as an example. Since this year? Second-hand housing guide price? Up to now, the city's housing prices have generally fallen by about 10%, and the regional decline in previous hot speculation has even reached more than 15%. In short, Shenzhen housing prices can fall so much, indicating that there is still a bubble. Another example is Yanjiao, around Beijing. In the past three years, the overall house price has dropped by about 55%. Many properties with a unit price of 20 17 above 30,000 have now fallen below 20,000, and the bubble can be imagined.
3. New real estate policy
There is a bubble in real estate, but the state's attitude towards real estate regulation has always been? Fully stabilize the property market? , especially? Promote the stable and healthy development of the real estate market? This sentence is often mentioned in important departments and important meetings. Since 65438+February this year, why have the central bank, the Ministry of Housing and Urban-Rural Development, the Banking Insurance Regulatory Commission and other departments been emphasizing the upgrade? Promote the healthy development of the real estate industry in a virtuous circle? . When commenting on the property market, the central media such as Economic Daily also stressed that stability is the ideal state of the property market. The real estate market should not only curb the real estate bubble, but also prevent the ups and downs.
Postscript: When house prices skyrocket, we must relentlessly reduce leverage. On the one hand, it protects banks, on the other hand, it can definitely reduce the income of real estate speculation, thus curbing the impulse of real estate speculation. Therefore, the real meaning behind not speculating in real estate is that the real estate speculators are absolutely not allowed to use social funds to speculate in real estate, and their own money is casually speculated. The government can't control it and doesn't want to control it, just like you gamble in Macau with your own money, and the government can't control it. But you lost the bet, so don't involve innocent people in the whole society.