New housing mortgage loan increases over 150% in the first half

Since the second quarter, with the real estate market warmer, personal housing mortgage loans have also witnessed rapid growth. Statistics from the central bank show that in March of this year, the national financial institutions Personal Housing Mortgage loan volume of about 100 billion yuan, compared with the same period last year.　　But after the two quarter began to soar, the first half of the new volume reached 466.176 billion yuan, the year-on-year increase of more than 150%.　　Four state-owned banks have become the main force of lending, of which, the construction Bank, Bank of China, ICBC two quarters of personal housing mortgage loans are more than 70 billion yuan, ranked top three. Central bank data show that in the first half of the 17 national commercial banks (in addition to policy banks), in addition to the Guangdong Development Bank, Societe Generale, the Bohai Bank, the new personal housing mortgage loans slightly lower year-on-year, the other 14 commercial banks have increased.　　Among them, China Merchants Bank, Hengfeng Bank, Shenzhen Development Bank growth rate of more than 400%, the four state-owned banks year-on-year increase of more than 100%. From the National Personal housing mortgage loan market pattern, state-owned banks accounted for 2/3 of the market share, but the first half of the market share from 73.93% in a quarter to 71.79%.　　The second quarter of the national real estate market Hurricane's main force, from four state-owned banks. Sub-bank data, compared to CCB, ICBC two traditional advantage banks, the two quarter of this year, the Bank of China to make more fierce loans. In the second quarter, the Construction Bank, Bank of China, ICBC personal housing mortgage loans were more than 70 billion yuan, ranked the top three.　　Other commercial banks ' personal housing mortgage loans increased rapidly after May. According to the quarterly rules of personal housing loans in previous years, 7 August is not the main month of personal housing mortgage lending, but this year may be different. The head of a joint-stock Commercial bank personal housing Loan Center said that the real estate market volume growth and the loose credit environment are the two main factors that the individual housing mortgage loan growth rate this year. "In the second half of the year, the growth of public loans will be slower than the first half, and the quality of personal housing loans is good and scale, banks will be robbed." However, some banks have completed the first half of the loan plan, the second half of the year do not rush to do scale. Recently, the regulatory authorities reiterated the strict implementation of the two housing policy, taking into account the real estate market risk factors. "July 19, the Shanghai Banking Regulatory Bureau again asked the banks in Shanghai to strictly enforce the" notice on the further strengthening of the risk management of mortgage loans, strengthen credit management to prevent mortgage loan risk. " Special emphasis is placed on banks ' strict pre-credit review and mortgage lending standards, effective prevention of "fake mortgage", "false down payment" and "fake house price" phenomenon, while insisting on supporting borrowers to buy the first set of home housing loan needs, while the strict observance of the second set of mortgage policy is not shaken, not to the credit system is not networked,　　Remote purchase difficult to investigate, such as by abandoning the "two sets of mortgage" policy constraints, not to explain the "two sets of mortgage" standards, not by any means to reduce the proportion of the first payment. PhaseTighter than the two-pack policy, the decline in the volume of real estate transactions is affecting the growth of personal housing mortgage loans. The research center of Gram and Rui (China) has 10 typical cities nationwide--Beijing, a questionnaire survey conducted by the management of 200 real estate enterprises in Tianjin, Shanghai, Nanjing, Hangzhou, Guangzhou, Shenzhen, Wuhan, Chengdu and Chongqing showed that 70% of the respondents considered the market risk of the next stage to be a contract contraction.