Bank money bag only tightens to buyers

Reporter Zhang Zhonghan data show that the main banks are still generous to real estate companies, the bank "money bag" is mainly to tighten the buyers. As of June 30, 8 banks issued loans to developers up to 900.9 billion yuan, up more than 20% per cent year-on-year.　　On the contrary, the proportion of personal housing mortgage loans in banks has declined in varying degrees. Developers Loan 8 of the first half of the bank to developers lending 900.9 billion since the real estate regulation of the new deal, the industry's worries about developers ' money day. However, the release of the report showed that 8 listed banks to the end of June loans to developers issued more than 900 billion yuan.　　It also means there is no noticeable slowdown in bank lending to housing companies. "At present, our three-quarter credit task has been completed, the amount of the basic loan is over." A commercial bank personage tells a reporter.　　He also said that the bank's loans to developers, although cautious, but the overall pace did not slow down, but the loan is more tendentious, those qualified, powerful developers can obtain a relatively large amount of credit. As of August 24, a total of 8 listed banks in the two cities issued a report, the cumulative issuance of loans and advances amounted to 10.54 trillion yuan. Market-focused real estate development enterprises loans also increased markedly, as at the end of June, 8 banks to grant loans to developers 900.936 billion yuan, an increase of 22.46%, compared with the beginning of the year's growth of 109.218 billion yuan, an increase of 13.79%.　　In addition to the construction Bank, the other 7 banks of the real estate enterprises loan amount accounted for the total loan ratio has been improved. Viewed from the scale, the most issued is the construction Bank, a total of 378.611 billion yuan, compared with the same period last year, increased 22.873 billion yuan.　　The largest increase for the Bank of Communications, the bank last year, the real estate enterprise loans for 117.817 billion yuan, this year reached 156.72 billion yuan, net growth of 38.803 billion yuan, the increase reached 33%. Some industry analysts said that this round of policy in April only to start, there is a certain lag.　　And with the completion of the old projects, new project loans more difficult, credit tightening on the developer's financial impact will begin to appear after the fourth quarter.　　Mortgage loans Most of the bank's personal mortgage loans fell 8 listed banks, the Chinese newspaper showed that the bank is still generous to enterprises, but the individual housing loans are significantly "stingy" much, most of the bank's personal housing mortgage loans fell on the chain. As at June 30, CMBC retail loans amounted to $209.334 billion, an increase of 28.11% from the beginning of the year. The mortgage loan balance is 106.093 billion yuan, an increase of only 6.5%.　　In the second half of last year, Minsheng Bank personal mortgage loans net increase of 6.679 billion yuan, and the first half of this year only 6.474 billion yuan, the chain reduced 205 million yuan. China Merchants Bank mortgage loan of 303.262 billion yuan in the first half, the report period of new loans for 29.603 billion yuan, and the second half of last year, the company's housing mortgage loans net increase of 69.451 billion yuan. This means that the first half of this year's housing mortgage loanParagraph shrank by 57.38%. In addition, data from the National Bureau of Statistics show that in the first 7 months of this year, personal mortgage loans added 513.1 billion yuan, an increase of 41.4%.　　The index grew by 60.4% in June, 88.8% in May and 102.1% in April. Bankers told reporters: "The second suite down payment ratio of the increase, second-hand housing tax changes, as well as the restrictions on the three suite, directly led to the bank's personal home mortgage loans to reduce the proportion."　　Huatai Securities analysts also said that the main target of this round of policy regulation is to invest in speculative purchase demand, the data reflects the effectiveness of policy regulation, but volatility is not obvious.　　Bank on the development of new projects to develop loans to the strict although most developers have been relatively sufficient funds in the first half, but due to the slow return of funds from the market, capital market financing is limited, and the Bank of new projects to develop loans more and more strict, "not bad money" has become a false proposition. A developer in Dongguan told reporters that although tougher policies should not come out quickly, the central government may have prepared a number of weapons to regulate it, judging from officials ' comments. "If there is a retaliatory rebound in house prices, these more lethal weapons are likely to be released," he said. "Therefore, he suggested that the developers or the initiative to give up" to the price of replenishment, to take price promotion to seize the upcoming "Golden Nine Silver Ten." Ning, deputy general manager of Jahau agency, also believes that the government has not loosened its control, and developers can adopt a flexible strategy in pricing new discs. And according to the Central Plains real estate in the 8 major cities in the sales of research, Poly, Vanke, gold, elegance, investment and the central Sea and other leading housing companies have appeared to loosen prices.