Home buyers feel that the current housing loan lending time is longer. What is the situation of individual housing loan in Guangdong? Real estate loans in Guangdong increased steadily in the first half of this year, according to a set of credit data released by Guangzhou Branch of the people’s Bank of China on the 14th. Among them, personal housing loans increased by 259.2 billion yuan over the beginning of the year.
The people’s Bank of China Guangzhou branch held the third quarter news conference
Data show that by the end of June this year, the balance of real estate loans in Guangdong was 7.02 trillion yuan, up 9.7% year on year; It was 368 billion yuan more than that at the beginning of the year, 78.4 billion yuan less than that at the same period last year, accounting for 21.9% of the increment of various loans, and 3.1 percentage points lower than that at the same period last year. Among them, personal housing loans increased by 259.2 billion yuan over the beginning of the year, with a year-on-year decrease of 65.8 billion yuan.
Why do ordinary home buyers feel that this year’s mortgage loan time has been extended? In response to a reporter’s question from Yangcheng Evening News, the person in charge of the relevant departments of the Guangzhou Branch of the people’s Bank of China said that from the data point of view, the year-on-year decrease was due to the high housing loan base in the same period of last year, and the decline this year was normal.
“At the end of last year, the notice on establishing the management system of real estate loan concentration of financial institutions in the banking industry was officially implemented, and the real estate credit of various banks was restricted by the system,” said the above-mentioned person in charge. Since this year, Guangdong banking institutions have strengthened the management of individual housing loans, and the supervision has also learned that the duration of individual housing loan approval of some financial institutions has been extended, The current transaction price of real estate tends to be stable, which proves once again that the positioning of “real estate, housing and non speculation” and the macro Prudential Management Policy of real estate finance have been strictly implemented.