The increase in housing loans this year may be roughly the same as last year. Experts advise to avoid the “siphon effect” from squeezing credit resources
In terms of total amount, the overall mortgage loans of financial institutions currently account for about 20%. According to the “Notice on Establishing a Real Estate Loan Concentration Management System for Banking Financial Institutions”, the classification and supervision requirements of the Mortgage loan growth is estimated at around 4.5 trillion yuan, and real estate loans are estimated at 1.5 trillion yuan. This increase is roughly equivalent to the increase in mortgage loans and real estate enterprise loans in 2020.
In an interview with reporters, Dong Ximiao, chief researcher of Merchants Finance and a part-time researcher of Fudan University’s Institute of Finance, said that strengthening the management of real estate loan concentration is in line with the main tone of real estate regulation in recent years that “housing and living are not speculation” and is more helpful to promote financial resources Further enter the key areas and weak links of national economic and social development such as small and micro enterprises, manufacturing, and green development. With limited financial resources, avoid the “siphon effect” of the real estate industry and squeeze excessive credit resources.
U.S. mortgage applications last week surged by 20% from the previous week, setting a new high since March 2020
U.S. housing mortgage applications last week surged 20% from the previous week, setting a new high since March 2020, and transaction volume increased by 93% year-on-year.
Organization: Last year, the vacancy rate of Tianjin office buildings exceeded 35%, and the rent dropped by 9.8%
On January 13, the research data released by Savills Research Department showed that in 2020, the vacancy rate in the office market in Tianjin has declined. However, due to historical reasons for the high vacancy rate, the vacancy rate has remained above 35% throughout the year. High, much higher than Beijing’s 15.8%.
The high vacancy rate has also caused landlords to adopt a price-for-volume strategy, which has led to a decline in the overall rental level of Tianjin office buildings. Data show that in 2020, office rents in Tianjin will fall by 9.8% year-on-year.
The Beijing rental housing construction guidelines solicit opinions, and the per capita use area of the dormitory is more than 4 square meters
Insist on “housing and not speculating”, rental housing construction is very important. On January 13, the Beijing Municipal Commission of Housing and Urban-Rural Development formulated the “Guidelines for the Construction of Rental Housing in Beijing (Trial)” (Draft for Solicitation of Comments) and publicly solicited opinions from the public.
The guidelines propose that the per capita use area of dormitory-type rental housing should not be less than 4 square meters, and management rooms, living rooms and smart express boxes should be set up. The guidelines also advocate the application of intelligent technology, but it is necessary to fully consider the characteristics of the needs of the elderly, and promote the use of intelligent products suitable for the elderly.