2024-01-29 09:47:59
With the help of Xinqingan Mortgage and the diplomatic wave at the end of the year, Chinese residential mortgage loans broke through the thousand-yuan mark in December last year and hit a new high! According to the latest statistics from the Financial Supervisory Commission today (29th), the latest balances of housing purchase loans and construction financing loans at the end of 2023.其中12月購置住宅貸款餘額9兆9869億元，較11月增加超過1052億元，創下新高紀錄，全年增加6689億元，較2022年更成長二成之多，並寫下史上第二高log.
Xinqingan assists! Mortgage loans exceeded 100 billion last month and will be the second highest in history in 2023.File photo: Central News Agency
Tong Zhengzhang, deputy director of the Banking Bureau, said that the annual growth rate of residential loans in December was 7.05%, higher than the 6.56% in November. Tong Zhengzhang, deputy director of the Banking Bureau, analyzed that there are three main reasons. The first is due to the Ministry of Finance’s new Qing’an loan policy; the second is the high-interest loans offered to public education employees across the country; and the third is the surge in housing handovers before the Lunar New Year.
According to statistics, if compared with the balance of residential loans at the end of 2022, new residential mortgage loans in 2023 were 668.9 billion yuan, an increase of regarding 20.4% compared with 555.6 billion yuan in the whole of 2022, which is the second highest in history. Second only to 744.9 billion yuan in 2020 and higher than 623.7 billion yuan in 2019.
Construction loans were 3.6219 billion yuan, an annual increase of 4.61%, which was lower than the 4.98% in November. Tong Zhengzhang said, “This is a continued slow downward trend following the high of 16.77% in January 2019, and it has also reached its lowest point.” It shows that the government is actively cracking down on real estate speculation and inflationary building materials prices are rising, allowing builders to push forward projects and compare Due to conservatism.
In addition, the real estate market is booming once more, and guaranteed mortgages are a good target. In the past, banks’ real estate lending often “accidentally” exceeded the “warning red line” of 29%. According to the latest statistics from the Financial Supervisory Commission, there is one, which is caused by DBS and Citigroup. There are also three houses in the warning zone, one less than in November.
According to Article 72-2 of the “Banking Law”, the total amount of real estate loans issued by banks such as housing loans, construction finance, and commercial offices is limited to 30% of total deposits plus total financial bonds. This provision has always been regarded as a rule of thumb for real estate lending. Therefore, banks Internally, 28% is often used as a warning level. Anything above it will raise the mortgage interest rate or reduce the approval factor. In addition, the loan-to-lending ratio remains unchanged at 27~28%, which remains unchanged at 10 companies.
Tong Zhengzhang said that the number of companies that exceeded the warning level by 28~29% dropped from 4 to 3, which was due to the increase in denominator deposits. Molecular lending has declined. The overall average real estate loan ratio at the end of last year was 26.69%.
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Yahoo Finance special correspondent Ye Yiru: 22 years of experience in mainstream financial media. From the Web1.0 bubble in 2000 to the Meta Yuanverse Web3.0, he has witnessed the rise and fall of Taiwan’s large and small enterprise groups and has experienced five international financial crises. We believe that finance is life and is everywhere. No matter how difficult financial knowledge is, we should explain it in a simple way. Everyone, young and old, should manage money. If you don’t manage money, money will not care regarding you.
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