Recently, many banks have stopped their mortgage business. According to past experience, the bank loan amount is sufficient at the beginning of the year, and the bank will impact the business scale and start the business quickly at the beginning of the year. However, this year's slow mortgage lending is mainly caused by the government's management of real estate loans.
On February 28th, 2020, 65438, China Banking Regulatory Commission issued the Notice on Establishing the Management System of Real Estate Loan Concentration in Banking Financial Institutions, which clarified the management of real estate loan concentration, set the upper limit of the proportion of real estate loan balance and individual housing loan balance according to factors such as the asset size and institution type of financial institutions, set a certain transition period for institutions exceeding the upper limit, and establish a regional differential adjustment mechanism. Through the management of real estate loan concentration, it is beneficial to the healthy development of China's financial system and the balanced development of finance, real estate and real economy.
It is precisely because of the mortgage management notice issued in 2020 that the mortgage in 20021this year became a little tight, mainly because some banks had a high mortgage ratio. In order to adjust the mortgage ratio of banks, some adjustments were made to the mortgage business. This control mainly has two indicators, one is the proportion of real estate loans to all loans, and the other is the proportion of individual housing loans to all loans of a bank. Through these two ratios, we can control the mortgage amount together.
For banks, mortgage is a very high-quality business with low risk, and it is a business that banks like very much. Without the notice of mortgage regulation at the end of last year, the mortgage amount at the beginning of this year is very sufficient. If the bank's quota has exceeded the control requirements, then the bank can't continue to issue mortgages unless there is a quota.