For banks, in the economic downturn, the overall non-performing rate of personal mortgage business is low, or it has become one of the business priorities.
"In the report summarized years ago, banks strongly encouraged and supported personal mortgage business, which is the focus of personal consumption loans. Although the income is not as high as other consumer loans, the risk is easy to control and it is a rare quality asset. " A person from the personal finance department of a small bank in Guangdong revealed.
The president of a branch in the southeast of CCB also said: "This year, we encourage to vigorously expand the mortgage business and will invest more credit resources. Now the quota is sufficient, mainly depending on market demand. "
The fourth quarter monetary policy implementation report released by the central bank shows that the balance of real estate loans of major financial institutions (including foreign capital) in China last year was 2 1 trillion yuan, up 21%year-on-year; New real estate loans amounted to 3.6 trillion yuan, an increase of 843.4 billion yuan. Among them, the balance of individual housing loans 13. 1 trillion yuan, up 23.9% year-on-year, up 6.3 percentage points from the end of last year.
Banks' preference for personal housing mortgage loans is more obvious in the financial data of 1 month.
On June 5,438+10, the "medium and long-term loans for households" mainly based on mortgage loans increased by 478.3 billion yuan, setting a record high in a single month, even exceeding the monthly peak of mortgage loans during the "4 trillion" period in 2009.
A market common sense is that "destocking" will become the keynote of the real estate industry in the next few years. At the Central Economic Work Conference, resolving the real estate inventory is regarded as one of the five important tasks.
Li, a senior researcher at the Institute of International Finance of Bank of China, pointed out that considering that the current supply and demand pattern of the real estate market has undergone fundamental changes, residents' housing consumption has become more rational, especially the demand of first-time buyers has decreased, the new real estate policy will not bring about excessive rise in real estate prices.
However, first-tier cities are still in the ranks of "restricted purchases", for Shenzhen, where house prices rose wildly last year. Some bankers in Shenzhen said that the mortgage business needs careful intervention.
"We now have a minimum down payment of 25% for the first suite, and we can apply for 20% for properties in non-main urban areas, with the lowest interest rate 15%." An account manager of CITIC Bank Chengdu said.
Shortly after the release of the New Deal, some banking institutions, including Zheshang Bank and China Merchants Bank, issued a notice to implement the New Deal. Up to now, China Construction Bank, China Bank, Minsheng Bank, China CITIC Bank, Shanghai Pudong Development Bank, etc. In some provinces, it is also "adapted to local conditions".
This is the third time that the central bank lowered the down payment ratio after the "new mortgage policy" in 330 and 930. In the adjustment of the new mortgage policy, the response speed of branches of banks in different provinces is obviously different.
Among them, in Fujian, Sichuan, Changsha, Hangzhou, Chongqing and other second-tier provinces and cities, a number of banks have successively implemented "20% down payment". The level of interest rate needs to be comprehensively considered according to the borrower's credit status and repayment ability.
A person from a large stock bank pointed out that "the economic situation and market demand have regional characteristics and need to be implemented according to actual conditions. The head office has only formulated a framework policy, and the risk assessment and implementation details are the business of each branch, so the adjustment time may not be consistent. "
In fact, most banks have not fully implemented the New Deal.
"Branch notice hasn't been sent. If other banks are all 20%, we should also drop, and the specific time cannot be estimated. " The lender of a rural commercial bank in Jiangsu and Zhejiang said.
A personal loan manager of a bank in Dongguan pointed out: "In some areas, house prices have risen too fast, and banks are worried about risks. Even with the notice of the New Deal, these areas are unlikely to make a 20% down payment. "