At the time of the downturn in the Chinese property market, Caixin.com confirmed from multiple sources of faith, including ICBC, CCB, and Bank of China.The specific indicators are required to increase at least 100 billion yuan (RMB, the same, about S $ 20 billion in the same as the following, about S $ 20 billion) for each big trip.
Caixin.com quoted a person familiar with the business office that it was the last week before the National Day of China, and received a notice from the regulatory authorities, requiring to add at least 100 billion yuan of real estate -related financing during the year.
The president of a second -level branch in the East of the Construction Bank revealed to the Caixin.com that he received a notice from the relevant departments of the head office on September 30, requesting to increase the support for real estate financing.I heard that the indicator of the head office is to add 100 billion yuan to the head office (within the year).
A real estate loan business person at a branch of a provincial branch in the North China said that the notification received by the banks should be the same. They also received a similar notice from the head office on the last week before the holiday.From the month, the real estate -related financing of at least 100 billion yuan will be added during the month.
According to reports, affected by factors such as the continuous exposure of the real estate market risk and the downturnal demand for residents, the growth rate of real estate development loans and residential mortgage loans in financial institutions in the past two years has declined, and even shrinking in scale.According to data from the People's Bank of China, as of the end of June 2022, the balance of real estate loans of major financial institutions (including foreign capital) of China's major financial institutions (including foreign capital) was 5.31 trillion yuan, an increase of 4.2%year -on -year.Among them, the balance of personal housing loans was 3.8.89 trillion yuan, an increase of 6.2%year -on -year; the balance of housing development loans was 9.4 trillion yuan, a year -on -year decrease of 1.4%. The annual increase of the two data mentioned in 2020 was 14.6%and 6.1%, respectively.
Bond financing of real estate companies is also obviously blocked.According to Wind data, in the first half of 2022, the broad -minded private real estate enterprises issued only 30 credit bonds in the territory, with a total issuance of 30.5 billion yuan, the current repayment volume exceeded 94.8 billion yuan, and the net financing gap was close to 64.3 billion yuan.The channels are almost closed, and there are few new bonds.
Due to the continuous disconnection of financing and operating cash flow, many large real estate companies have broken capital chain, which has caused a large -scale stoppage of pre -sale real estate in China. Buyers in Henan, Hubei and other places have shouted to break the supply and attract attention.Since then, the regulatory authorities have repeatedly stated that they will guide the marketization of financial institutions to participate in risk disposal, strengthen work with the housing and construction departments and the People's Bank of China, and support local governments to actively promote the preservation and people's livelihood.
The aforementioned person who interviewed Daban Real Estate Loan Business said that in the current market environment, it is still very difficult to increase real estate financing, but this requirement is that the hard indicator must be completed.Increased investment, mortgage loans can only be hoped that the recent densely introduced support policies can have a certain supporting role in residents' purchase of houses.
The Bank of China and the CBRC jointly issued an announcement on September 29, determining that the differentiated housing credit policy is determined in stages: the cities that meet the conditions can decide whether to reduce or cancel the first housing commercial personal housing loan by the end of 2022 at the end of 2022.Interest rate lower limit.This means that in the top 70 cities in China, 23 cities may relax the lower limit of the first home loan rate.On September 30, the central bank announced that the interest rate of the first personal housing provident fund loan was 0.15 percentage points, which was the first adjustment of the interest rate of the housing provident fund loan in seven years.
The Chinese Ministry of Finance and the State Administration of Taxation also introduced a preferential tax preferential tax policy to support residents' replacement housing on September 30. From the end of October 1 to the end of 2023, after the individual sells its own housing, it can be purchased in the same city within one year.Enjoy tax refunds for the sale of personal income taxes paid by the current housing.
