Following the rise of housing loan interest rates in many hot cities, recently, the news about the “stop lending” of second-hand housing in many cities has aroused heated discussion.
In response, the Securities Daily reporter has learned that in the second tier hot cities, Nanjing, Zhengzhou, Chongqing, Wuhan, Hangzhou, Hefei and other cities have seen the phenomenon of tightening the bank housing loan business: some banks suspended the second-hand housing loan business, and even some banks suspended the acceptance of new housing loan business.
Yan Yuejin, research director of think tank center of E-House Research Institute, said in an interview with Securities Daily that in fact, the loan suspension business has something to do with the amount of loans. While implementing the real estate loan concentration management system, all localities naturally need to strictly control loans. And loan aspect, generally is first stop second-hand house loan, then strict control one hand house.
“In addition, there are many chaos in the second-hand housing loan, especially in the business of bridge loan, and the relevant departments have also carried out supervision. Through the control of such loans, the loan business can be greatly standardized and some speculation behaviors have been hit.” Yan Yuejin added.
Some banks have been closed
Loan business of new and used houses
Media reports have reported that in recent years, Wuhan has tightened personal housing credit business in hot second tier cities, including some banks’ new housing and second-hand housing provident fund business are temporarily inadmissible, and some banks have suspended the acceptance of second-hand housing business.
The tightening of Wuhan real estate loan is a miniature of the change of the national real estate credit policy《 The Securities Daily reporter learned that the number of second-hand housing loans in many cities is tight, the loan cycle has been extended to three or four months, and even some banks have stopped handling new and used housing loans.
A number of banking industry people in an interview with reporters said that the suspension of the housing loan business mainly related to the tightening of loan lines.
The personal loan managers of some banks in many hot cities in Guangdong told reporters: “at present, they don’t accept the second-hand housing loan business, and many state-owned banks have no second-hand housing loans.” “The loan period of second-hand housing is at least three months at present,” the personal loan manager of a joint-stock bank in Wuxi told the Securities Daily
During the interview, the reporter found that not only the second-hand housing loans were tightened, but also the new housing loans“ Due to the tight quota, the loan business of new and second-hand houses has been suspended, and the loan business of second-hand houses has been scheduled to 2022. ” The personal loan manager of a state-owned bank in Nanjing told reporters.
Meanwhile, many city buyers also told reporters that the current application for mortgage loans to banks appeared difficult and slow.
In this regard, Yan Yuejin told the “Securities Daily” that the loan suspension or the loan cycle has obviously lengthened, which has actually had a certain impact on landlords and house buyers, and the contract management of intermediaries is also facing pressure. For buyers, we should arrange the budget and purchase plan reasonably.
The Securities Daily reporter combed and found that, from the property market data, since this year, the current housing loan tightening cities are not one of the hot cities with local overheating since this year, and the market volume or price has increased. For example, Guangzhou, Wuhan, Chongqing, Hangzhou, Nanjing, Hefei, Huizhou, etc.