According to Voice of the economy, Experts believe that the proposed measures reflect the state regulation of real estate firm attitude, brought about by the expected impact on banks should not be overlooked.
State Council executive session to strengthen differential housing credit policy, loans to buy second homes in the family, down payment of not less than 60% of the interest rate of not less than 1.1 times the benchmark rate. Increase the percentage of down payment and loan interest rates for bank earnings limit good looks, but the Bank (601,328 shares of it, prices, information, the main trading) Lian Ping, chief economist, believes that home buyers and housing pressure real estate continued tight control of part of the loan is expected to reduce the number of buyers, banks may have an impact on this part of the business.
Central University of Finance and Bank of China (601988 stock bar, market, information, the main trading) industry research centers Guo Tian Yong believes that tightening of bank credit lines this year, leaving the two suites is not line of credit more, so, in fact, bring down the purchase of two suites of pressure on banks limited. Guo Tian Yong believes that uncompromising attitude control This time, the momentum of rising house prices will be checked, in this forecast, the decline in housing prices may lead to tension in real estate funds, banks should pay particular attention to this risk. The purpose of the national real estate regulation and healthy development of the market, is not no way to make the real estate business.
tightening control policy for real estate risks, even the level that the effects of last year's series of regulatory policies have been the end of last year and early this year reflected and Shenzhen, some small real estate business there strand breaks in the trend of capital, and strong forward momentum of large real estate acquisition strategies, capital return, the real estate market is still the performance was relatively stable, the current risk of not prominent.
Lian Ping said, in fact, commercial banks held loans on real estate development has been cautious attitude. Last year, commercial banks and individual mortgage loans increased significantly, development loans has not increased significantly. Tightening of the market in anticipation of the bank loans for the development of this audit will be more stringent.
Guo Tian Yong says that in the current tight financial situation of banks, many real estate developers often choose other financing. Many real estate real estate trusts will be added as a source of funds.
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