Chinanews client, Beijing, September 19 (Zuo Yukun) Recently, the tightening of mortgages in many places, especially in first- and second-tier cities, has continued, and there has even been news that individual banks have suspended second-hand housing loans.

　　In the context of strong supervision, major banks have shown considerable caution in the personal housing loan business, and have "tightened their pockets". What signal is being released?

Data map: Aerial photography of a newly built residence.

Photo by China News Agency reporter Lu Ming

The loan has to wait until next year

　　Ms. Shen, who bought a house in Beijing, told Chinanews.com about her experience in recent months, calling herself "still lucky."

　　"In June, we heard that second-hand housing lending in some places has slowed down, and we asked the intermediary that pure commercial loans have little impact and that loans can be released within 7 working days after the transfer. We have been in communication with the intermediary since then, but did not listen. Talk about changes." Ms. Shen said, but when she started preparing loans in late July, things were wrong.

　　"Originally, our first choice was ICBC and China Construction Bank. The intermediary reported that it was difficult to lend. We recommended Bank of China and Bank of Beijing, so we chose Bank of China. But within two days, we said that Bank of China was not sure. We re-suggested China Merchants Bank and Bank of Communications. , We chose China Merchants Bank, but it will not be processed until early August, and the loan will be issued two weeks later." Ms. Shen said.

　　At the beginning of August, Ms. Shen handled the interview, but the bank manager could not promise when to issue the loan, and only expressed her best effort.

After that, according to the process, the loan was approved on August 9, and the house book was transferred on August 12, but the exact loan time was still not known.

　　"In the past, intermediaries have always said that pure commercial loans will be much faster than provident fund loans. But now the commercial loan cycle is long and uncertain." Ms. Shen said.

　　On September 15, Ms. Shen finally successfully waited until the loan was released.

Although more than a month is not short, she is already very satisfied, because I heard that there are many people who bought houses in the surrounding area who completed the transfer in July, and now they have not released any funds. Some banks even bluntly said that "there is no quota, and we have to wait until next year." ".

　　Chinanews.com consulted on the loan business of a Beijing branch of a state-owned bank. The bank responded that “there is currently no quota, and customers are waiting in line. You will have to wait three months at the earliest for the loan, and try to get before the Spring Festival of the Lunar New Year.”

　　A staff member of another city commercial bank responded to Chinanews.com that his bank originally had a sufficient quota, but because of the difficulty of large banks in lending, the interest rates of each bank are the same, and many customers turn to small and medium banks, and it takes a long time to process business. .

"In early July, the loan can be issued as soon as one working day, and now it takes about a week as soon as possible."

Need to prove that the down payment is your money

　　In addition to first-tier cities, the “difficulty in lending” to buy a house has also spread to many new first- and second-tier cities.

　　"The intermediary said that the first half of the year was still very good for loans, but now many big banks do not lend to second-hand houses at all, and the review is also very strict. The loan was approved in about a week before, but now it takes half a month." Xiaoxuan, a citizen of Qingdao, Shandong, was also caught Second-hand housing loans are plagued.

　　"Long time, high interest rates and strict scrutiny" is Xiao Xuan's biggest feeling now.

She mentioned that the house she bought almost sold out half a month ago, and the last buyer was rejected by the bank.

"The reason for the refusal is that the source of the down payment is unknown. The person seems to be a real estate speculator, and part of the down payment comes from credit."

　　It is reported that many banks require buyers to provide their own and family members’ bank records, the source of the down payment, proof of reasonable income, etc. Simply put, they need to prove that "the down payment is your money."

Data map: There are many buildings in the city.

Photo by China News Agency reporter Wang Dongming

Is the bank out of money?

　　Since the second half of 2021, it is not uncommon for housing loan quotas to be tightened, loan cycles lengthened, and stricter funding sources and qualification approvals have become commonplace.

Is the bank out of money?

　　The answer is obviously no.

　　A staff member of a bank in Beijing told Chinanews that it is a normal law for the industry to have mortgage loans during this period. “Generally, the mortgage quotas of banks in the second half of the year are tighter than those in the first half of the year. In addition, the high transaction volume in the first half of the year caused many banks to advance the quota. After the new quota comes down the following year, it will be looser."

　　"The main reason is the'two red lines' of housing loans." said Zhang Bo, director of 58 Anju Guest House Property Research Institute.

　　Zhang Bo said that although housing prices have been effectively controlled to a certain extent this year, the property market in some cities still has a high degree of enthusiasm. The total transaction volume of commercial housing from January to August significantly exceeded the same period last year, resulting in a simultaneous increase in the total amount of mortgage applications.

"Overlapping the'two red lines' policies, many urban personal housing loans have begun to hit the upper limit, and delays in loan application and issuance continue to appear."

　　On December 31, 2020, the Central Bank and the China Banking and Insurance Regulatory Commission required the establishment of a real estate loan concentration management system for banking financial institutions, setting upper limits on real estate loan balances and personal housing loan balances, and setting a transition period for banks that exceed the regulatory requirements for loan scale Adjustment.

　　According to the 2021 semi-annual report of listed banks, in the first to third tranches, 10 banks have stepped on the "red line" of supervision for their real estate loan business.

　　"The most critical factor influencing the real estate market is credit. Recently, the impact of credit tightening on the market has been significantly strengthened, especially in some cities where the property market is overheated. The loan lending cycle in the second-hand housing market has been severely lengthened, which has restricted market transactions." Centaline Property Chief analyst Zhang Dawei believes that if there are no policy changes and the usual seasonal factors are superimposed, housing loans will definitely be more tense in the next few months.

　　Are there any buyers around you who are troubled by mortgages?

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