The 17 Cities In The Mainland Suspended Their Lending Time To Several Times.

< p > < strong > the trend of mortgage tightening is spreading less than /strong > /p >

< p > with the real estate market recovering this year, mortgage loans for individual housing have increased significantly.

The central bank's third quarter data show that at the end of 9, the balance of real estate loans of major financial institutions (including foreign capital) was 14 trillion and 170 billion yuan, an increase of 19% over the same period last year, and the rate of increase was 4.7 percentage points higher than that of all loans.

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< p > < a > href= > http://www.91se91.com/ > Loan > /a > demand is increasing rapidly, which leads to a general tightening of banks.

The phenomenon of "stop lending" and "slow lending" has even begun to spread all over the world.

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< p > Zhongguancun Internet Financial Industry Association and the 360 Research Institute have thoroughly investigated the mortgage products of nearly 500 banks in 32 key cities of the country. The phenomenon of moratorium on loans has been developed from the first tier cities to two or three cities, and the products that stop lending have gradually extended from the original two apartments to the first suite.

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< p > the report also mentioned that only 6.37% of the first banks could carry out 15% off interest rate concessions, 16.04% of the banks carried out ten percent off interest rates, 44.58% of the banks carried out the benchmark interest rate, 16.27% of the banks carried out the benchmark interest rate, 16.75% of the banks said they had stopped housing loans.

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< p > according to the October monitoring report released by the chain home real estate market research department, 19, from the quotation of the banks of major cities to mortgage loans, the threshold of interest rates for the first suite has also increased, and the audit of bank loan approval has also been more and more stringent, and the loan time has been greatly extended.

Zhang Xu, the research department of chain home real estate market, believes that the bank has made too many loans in the early stage. At the end of the year, the amount of credit granted by the banks has been very low. The loans approved in the four quarter were basically dragged to the beginning of 2014, and mortgage interest rates also rose to varying degrees.

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< p > < strong > lending time dragged to several times < /strong > /p >

< p > banks do not admit that they have stopped lending.

But it also acknowledged the fact that lending time has been extended and concessions are being phased out.

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< p > reporter interviewed a number of people in Beijing area bank understand that most banks in Beijing normally issue personal loans, but the loan time has indeed been extended.

At the same time, the discount rate of the first set of mortgage loans gradually decreased, basically maintained at the benchmark interest rate level.

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"P >" at present, the bank has not stopped lending, loan application and approval can be carried out normally, but the loan amount is a little tight.

It will be fine after this month.

According to the bank's credit line at the beginning of the year, the personal credit line of banks has basically run out at the end of the year, and some banks have already applied for mortgage loans until next year.

A Beijing branch of CCB said to reporters.

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P, a staff member from a number of agencies, told reporters, "although the news of the bank's suspension of lending has not been received, the lending time has slowed down. Before the mortgage application is made, it will take about 20 days to submit the application to the loan. It will take about two months now, and some state loans can wait for 5 months.

As for the first mortgage interest rate, most of them remain at the benchmark interest rate.

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< p > < strong > < a > href= > http://www.91se91.com/ > > Bank > /a > lending in the first half of the year is too fierce < /strong > /p >

< p > a number of real estate experts interviewed by reporters believe that the current number of people applying for personal loans is more than the first time buyers. In the face of the excessive rise in housing prices in some cities, many buyers even want to buy houses even if interest rates rise, and related loans increase rapidly.

Many small and medium banks in the first half of the year too much lending, overdraft credit limit, resulting in the second half of the housing loan "pocket shy", or even "no money can be released."

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< p > in addition, the central bank responded in mid October on the situation of commercial banks' mortgage loans for personal real estate loans. According to the survey, commercial banks did not issue a clear policy of stopping loans for individual real estate mortgage loans.

However, due to the rapid growth of individual housing loans in some quarters in the first three quarters, some small and medium-sized banks have adjusted their loan structure since September, and the time of examination and approval of individual housing loans in some cities has been extended to varying degrees.

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< p > as for some banks' a href= "http://www.91se91.com/" > stop lending > /a > reasons, experts from the 360 Research Institute say that the housing prices are rising constantly and the housing prices are so high that the risks in the real estate market are increasing, and the risks of mortgage loans to banks are also rising.

At the same time, in the first half of the year, the financial institutions overdrew the credit line, and the tightening in the second half of the year became inevitable.

In addition, the regulatory expectation is strong enough to make banks see the real estate market. From the policy perspective, the regulation means will be stronger, such as the introduction of property tax expectations are more and more intense.

At this time, banks are likely to see empty houses, reduce mortgage loans and reduce risks.

The fourth quarter is expected to be frequent in the regulation and control policy, making the tone of the regulation steady before the end of the year.

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