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Canal Real Estate Loans Is Not Just A Question Of Development Loans
Loans to the chain of real estate is not only a problem of development loan includes the bank above the ground, following extensive residential mortgages, the silver chain link. When a chain is broken, it will form a very high risk. Experts estimate that the bank should strengthen the financial flows on the one hand, the rapid adjustment of credit policy, and secondly, should strengthen risk management of loan concentration, the establishment of methods scientific management, the limit is to prevent the risk areas on certain loans, projects, concentration of customers. On measures of property market regulation, was the future of the replica watches the trend in the housing market concerned HotSpot. Recent report on the Bank of China 2010 China best current bank is concerned about the risks "survey, 72% of bankers selected" markets for the risk of real estate and risk awareness.
Most bankers said that while Chinese prices of real estate dropped sharply, it is unlikely, but lower sales growth will cause the indicator of the industry is depressed. The real long-term risk of real estate credit is still uncontrollable, but short-term risk must remain vigilant, particularly real estate lending risk domino effect noteworthy. Bankers about the risks of monitoring the property market, the mortgage business at the Bank has a major chain. However, the real market impact of regulatory policies on the mortgage? September 29, the new mortgage situation, compared to April 17, most of the strictly political. For banks, it is a "favorable." Since the "combination of boxing," first-time buyers, regardless of the building footprint is 90 square meters, the first payment must be over 30%
So, mortgage, home loan mortgage current policy of risk does not increase but decreases. A greater share of the first step, the lower the risk of banks. In addition, the largest bank to cancel a first round of the loan the lender, as the second series of first mortgage against the group for at least 50% of the loan interest rate is lower than the reference rate 1.1 Sometimes, doing a commercial bank loan rates bargaining power capacity. According to the information you need, the whole loan is a bank personal loan, equity, since the end of June 2010 is 12.8%, this is the largest in recent years, while the commercial value of the interest rates mortgage loans and bad, but always keep a "double down".
Director, Center for China's central bank, real estate guotianyong represents the credit risk of banking practice current concern, not only because of the business of mortgage lending has political consequences is that many developers and purchasers of mortgage loans from the bank to make sections, the devaluation of the mortgaged properties, increases the risk of bad loans. Some experts estimated that, at that time, funding constraints, funding and marketing factors, leverage the real estate company is facing major challenges. Although there is enough liquidity in the market, but due to the large number of developers, in addition to a developer. Part of the small and medium real estate developers and non-professional private equity chain development prevalent fracture risk real estate credit risk of recessive autosomal dominant may increase in the steering, the developer of repayment capacity begins to decline.
Since the investigation of the Bank, the Bank has 75% of its land-bank loans in the second half of 2009, when premium rates, developers will have to pay more, setting the real estate market that allows 'uncertainty of the commercial recovery of the largest banks in the future and the promise of reduced risk. Outputs agent useful database vendors. He said: "We are very concerned about the risk real estate loan of a chain stretched too tight, the latest in a long pause, so that the risks of the industry, we always keep the focus in accordance with the terms and the conditions. " This chain is not only the development of the loan issue, are high in March to bank loans, residential mortgages as a result of extensive money, the concatenation