In fact, not only state-owned banks, but also some large-scale joint-stock banks in Shenzhen have strengthened the management of housing mortgage loan.
Han Xiao (pseudonym), a customer manager in charge of credit business of a branch of China Merchants Bank in Shenzhen, told the Securities Daily that the news of tightening the mortgage loan is true.. Generally speaking, housing loans will be tightened by the end of the year, he said. At present, different product requirements are not the same, some will require company flow, some only have requirements for personal flow, some products have no requirements for flow. Generally speaking, the company holds shares for six months and the house transfers for half a year to meet the basic threshold.
A person in charge of the Shenzhen area of Bank of Beijing told the Securities Daily: in the aspect of mortgage loan for housing , the bank requires the lender to use the money in real terms for business operation, and the examination will be more strict. A large part of the reason is to prevent the illegal inflow of funds into the real estate market. In terms of time limit, we will not relax in the short term.
This is not the first time that Shenzhen has tightened the housing mortgage loan since this year. In April this year, due to the obvious rise in housing prices in Shenzhen, there was a rumor that the loan funds for real estate operation illegally flowed into the real estate market. On April 22, Shenzhen central sub branch of the peoples Bank of China, Shenzhen Service Bureau for small and medium sized enterprises, Shenzhen Bureau of housing and urban rural development, Shenzhen banking and Insurance Regulatory Bureau and Shenzhen market supervision bureau reported the investigation of housing mortgage loan purchase. The relevant person in charge said that the scale of full loan mortgage loan is very small and will prevent the illegal inflow of credit funds into real estate in the future.
Under strict supervision, commercial banks generally raise the threshold of housing mortgage. Take the transfer time of mortgaged real estate as an example. In the past, some banks did not require the transfer time of real estate, while some banks only required one or two months. However, at present, banks generally set the time limit for more than half a year.
Prevent illegal entry of funds into the property market
Yan Yuejin, research director of the think tank center of E-House Research Institute, said in an interview with the Securities Daily: the issue of similar business loans has also been a topic of concern when housing prices were hyped in Shenzhen before. Tightening itself is also to prevent illegal property speculation by borrowing business loans, or to prevent all kinds of illegal funds from entering the Shenzhen property market. Shenzhens recent housing prices have been suppressed, but still need to guard against price rebound and other risks.
According to the data released by the National Bureau of statistics on October 20, the sales price of second-hand residential buildings in Shenzhen rose by 1.1% month on month in September, ranking the first among the four first tier cities and the second among the 70 large and medium-sized cities in China, second only to Xuzhou; the sales price of newly-built commercial residential buildings rose by 0.4% month on month, which was consistent with the average month on month increase of the four first tier cities.
In terms of first-hand housing, according to the data of Shenzhen Zhongyuan Research Center, transactions in the new housing market continued to rise in September, with a total of 7069 commercial housing units signed online, up 17.2% month on month; the transaction area was 635200 square meters, up 20.1% month on month. Among them, 4871 sets of residential online signatures increased by 19.5% month on month.
It is worth noting that in the fourth quarter, Shenzhen property market is about to usher in a wave of rare new housing supply spring tide. According to the situation of commercial housing planned to enter the market in Shenzhen in 2020 issued by Shenzhen Bureau of housing and urban rural development, as of September 28, there are 64 projects planned to enter the market in Shenzhen this year, with an estimated supply area of 3.078 million square meters. Among them, there are 26909 commercial residential units with an area of 2.4767 million square meters. For comparison, in the first nine months, only 77 commercial housing projects were approved in Shenzhen, with an area of 4.4616 million square meters.
Under the background of increasing supply, the restriction of housing mortgage may release space for real demand, which is conducive to Shenzhen property market to continue to adhere to the housing and housing speculation.
Source of this article: Yang Qian, editor in charge of Securities Daily_ NF4425