Three suites stop loan bank profit has little effect

Yesterday again news that the construction bank suspended three suites loans, although the news has not been confirmed by construction Bank in Nanjing, but the industry said that there will be more and more banks to stop lending three suites. Reporters yesterday to the CCB a network of advisory, a staff member said, they have not yet received three sets of loans to stop lending notice, if customers want to loan three sets of mortgages, down payment must be 60%, the rate of 20% floating. BOC a branch of the credit center staff said that the bank now three of the basic loans have not done, even if done, down payment must also be 60%, the interest rate floating over 20%. Agricultural Bank of a network staff said that the bank's three sets of loans have been stopped, "if the other banks did not stop, you hurry to borrow it, there will be more and more banks to stop lending three suites." Recently, ICBC also received a notice from the head office, suspended three housing policy.　　If the CCB stopped lending, it means that three of the four lines in Nanjing, basically collective "lockout". For banks, the three-room parking and the macro-control of the real estate industry will have a great impact on the performance of banks? In the first half of the year, almost all banks ' personal housing mortgages and real estate development loans accounted for more than the end of last year, the report found. "This is mainly because the regulation policy is only April this year, because the real estate market turnover is relatively large, so a large number of mortgage loans, real estate development loans are issued in the first quarter, the semi-annual report can not see the obvious changes brought about by macro-control."　　One industry insider said. However, analysts believe that even a change in the number of bank loans in the second half of the year will not have a big impact on the overall performance of the bank. "One is that the three suite is small and small in the entire loan structure of the bank, and the impact will not be great even if the three suites stop lending." "Wang Mingfen, a banking researcher at the Nanjing Securities Research Institute, said that although the amount of real estate loans came down after the macro-control, the interest rate had floated this year. "The impact of the price will be greater than the impact of the price to achieve the effect of replenishment." Wang Mingfen said last year, although the real estate loan volume is very large, but the net profit growth is not coming, a very important reason is that the interest rate is too low.　　Last year, banks generally had net profit margins of around 10% per cent, while many joint-stock banks had net profit margins of more than 40% this year. Express reporter Wang Haiyan