Credit drop lever can curb hot real estate market – Dynamic – Shenzhen Locke

"Credit" drop lever can curb hot real estate market – Dynamic – Shenzhen Locke network?? two the people’s Bank of Chinese data released in August showed that after soared 2 trillion and 300 billion yuan in the first half of July, the household sector of individual housing loans, long-term loans increased by 477 billion 300 million yuan, to continue the rapid expansion of the size of the mortgage. The scale of personal loans soared, not only reflected in the expansion of the scale of their own loans, compared with other sectors of the loan, mortgage growth and the scale of amazing. "The bank loan increment is occupied by the resident mortgage." Shanghai (real estate), said Li Xunlei, an academic member of the new financial research institute. In an interview, the reporter found that the size of the loan continues to increase, the bank is still in the case of a large number of lenders, many buyers are trying to improve leverage, exhausted lending policy. Since the beginning of last year, this situation has spread in the hot city. The Central Bank of Shenzhen (real estate) Center branch data show that in 2015 Shenzhen new housing loans to individuals over the previous year growth of 2.1 times the average LTV of up to six 50% points, with the highest number of loans into only 5 percentage points, almost will leverage the ultimate use. For the residents of the trend of leveraged buyers, there are many financial institutions and economists believe should be alert to risks. ?? A CICC research report said, the overall Chinese mortgage leverage and national affordability is not beyond the scope of reasonable, but the current housing stock of a year-on-year growth of 31% is higher than the long-term sustainable level, which is not without worries. ?? The risk factors and put forward a few economists Bashusong group data also suggested that the surge in mortgage. One is that China’s household sector leverage ratio (the ratio of household debt to GDP) rose from 20% in 2008 to less than $39.5% in 2015, and in 2016 it was estimated to be over $43%. Each round of price increases, accompanied by a sustained increase in the leverage of residents. Although this level is lower than that of the developed countries, it is higher than that of some developing countries. The second is the ratio of China’s mortgage and sales reached 43% in 2015. From the international experience, the U.S. real estate market in 2007, new loans and sales in the near 50% when the subprime mortgage crisis. So China is at a high level on this data. ?? In Hefei (real estate), Nanjing (real estate), Suzhou (real estate), Xiamen (real estate), Hangzhou (real estate), Wuhan (real estate) as the representative of the core of the second city, and in Guangdong, Huizhou (real estate), Jiangsu Wuxi (real estate) as the representative of the three line of the city, the recent frequent "on the CD" queuing buy "or even sell non rational purchase behavior of housing qualifications. ?? In this context, Hefei, Nanjing and Suzhou and other second tier city to tighten policy, restart the credit limit, the purchase of the policy such as "killer" to curb the rising trend. ?? In terms of the credit limit, Suzhou "new market" provisions, households have 1 sets of housing and housing loans outstanding, once again apply for business loan buyers, the minimum down payment ratio from 40% to 50%; households have 2 or more housing and home loans outstanding, to stop issuing three set ")相关的主题文章: