Among the 19 listed banks in the first two stages of the centralized management system of real estate loan in China, the balance of personal housing loans from five banks last year decreased compared to the end of 2021.
According to the surging news on April 30, banks with decreased personal housing loan balances are Industrial Bank, Pudong Development Bank, Minsheng Bank, Bank of Beijing and Bohai Bank.
The above -mentioned 19 listed banks, including ICBC, CCB, Agricultural Bank of China, Bank of China, Bank of China, and Postal Savings Bank in the first large Chinese banks;It is a national joint -stock commercial bank (China Merchants Bank, Pudong Development, Xingye, CITIC, Minsheng, Everbright, Ping An, Huaxia, Bohai, Zhejiang Business), and Bank of Beijing, Bank of Shanghai, and Bank of Jiangsu.
Regarding the decline in the balance of mortgages, Minsheng Bank explained in the annual report that the bank invested a personal housing loan of 70.027 billion yuan (RMB, about S $ 13.5 billion) throughout the year.The service concept of the customer is the convenient repayment service for the mortgage loan customers. During the reporting period, the client will handle 71.422 billion yuan in advance repayment.
Industrial Bank said that since the proportion of personal housing loans exceeds the regulatory red line before, the concentration of personal housing mortgage loans was reduced in 2022.
