The real estate prices in large and medium-sized cities in China have been high, and the excessive bubble in the real estate market has always been a headache for Chinese people and regulatory authorities. Recently, major first-tier cities have launched actions to strictly investigate the illegal inflow of bank credit funds into the real estate market. The scope of inventory is wide and the means are fine. For example, whether all the down payment sources are self-owned funds, and whether there are new business loans and consumer loans during the mortgage application period. In recent days, Shenzhen has stepped up its supervision and conducted a rolling investigation every quarter. In addition to commercial loans and consumer loans currently targeted by various places, the scope of investigation also includes real estate enterprises and personal credit business, and even credit cards, wealth management and investment projects are included in the scope of investigation. The survey includes all existing enterprises.

It can be seen that this time, the regulatory authorities really want to make a vicious move on the real estate market and compact the real estate bubble. Then, why do all kinds of loans investigated this time affect the real estate market? What are the hazards to the real estate market? Let's analyze:

1. Except for personal mortgage loans, other loan funds may have the risk of flowing into the real estate market.

At present, a series of bank credit products, including operating loans, consumer loans and credit cards, are diverse, with fierce competition among banks and unprecedented development of the credit market. I believe that in most of our mobile phone chat groups, there are inevitably advertisements similar to those of bank account managers for preferential loans. It can be seen that people now want to get bank credit funds, no matter how much, anyway, the difficulty is indeed lower than before. Therefore, some people will change hands by borrowing funds from banks such as operating loans and consumer loans. Down payment for buying a house? Enter the real estate market. In this process, as a lender, if there is no strict system to operate in the whole loan process, such as not verifying the customer's loan purpose when applying for a loan, and not strictly monitoring the flow of funds after the loan is issued. These will make a large number of credit funds flow into the real estate market in violation of regulations.

2. The harm caused by the illegal inflow of credit funds into the real estate market.

At present, the house price is very high, and it is still rising. Real estate has become the best wealth value-added investment product in people's minds. House prices have gone up, and buyers who handle commercial loans and consumer loans took the opportunity to sell their properties and pay back the loans. The appreciation of the house will be firmly pocketed. This violation? The house is for living, not for speculation. If the principle means flood the whole real estate market, the real estate price will expand more and more, and the bubble will become more and more serious. Once the bubble bursts, the whole financial market will be disastrous.

The measures taken by the regulatory authorities this time are malicious. I hope they can implement it in the process, really crack down on real estate speculators, stabilize property prices, and give people a stable financial market and real estate market.