Property credit finally tightened down payment loan products have all been canceled ricky lee neely

The credit market finally tighten down payment loan products has been cancelled (original title: the property market credit finally tighten down payment loan, mortgage consumer credit products have been cancelled ") market credit finally tighten down payment loan, mortgage consumer credit products has been cancelled" central bank credit tap loose and tight, direct relationship with the trend of the real estate market, and the government started from the start. Recently, the CBRC Chinese explicitly mentioned "strictly controlling the financial risk of real estate, including prohibited illegal payment or misappropriation of credit funds into the real estate sector, non bank financial funds into the real estate field and many other content, for the first time in a year will be open to the supervision target refers to the illegal entry into the field of real estate financial funds. As the most recent new signal regulatory authorities continue to tighten the real estate credit. At the same time, down payment loans, mortgage consumer credit products are all canceled. The proportion of loans across the board to reduce the proportion of loans to each bank to reduce, whether the first suite or two suites, are down." Wheat real estate related person in charge told reporters that the current real estate credit this, the feeling is significantly tightened. CBRC clear requirements, strict implementation of the real estate loan regulation requirements and regulatory policies; and prudent conduct real estate intermediary enterprises and related business; standardize all kinds of loan business management, prohibit the issuance or misappropriation of credit funds into the real estate field; strengthen the investment management of financial management funds, bank financing funds is strictly prohibited to enter the field of real estate; to strengthen the real estate trust business compliance management. The CBRC of the credit funds controlled from the strict control, because the root of this round of price increases, is attributed to loose credit. According to the bank’s financial management and registration center data, as of the first half of this year, to invest in the real economy, the balance of bank financing funds 16 trillion and 30 billion yuan, which flows to the real estate industry in the amount of about $2 trillion and 90 billion. Compared with last year, the proportion of the size of the financial sector into the real estate finance in the first half of this year rose rapidly, from 9.68% in 2015 to improve by about $550 billion last year, an increase of about $13.06%. In addition, the people’s Bank of China recently released data show that as of the end of 2016 9, the balance of RMB loans of financial institutions 104 trillion and 110 billion yuan, an increase of 13%. Among them, the first 9 months of the country’s new loans of $10 trillion and 160 billion, an increase of more than $255 billion 800 million. On new loans to, the reporter learned that the first 9 months of non financial enterprises and organizations Small and micro businesses loans, loans, agriculture loans have different degrees of new, however, since an increase of the proportion of loans growth was undoubtedly the most individual housing loans this year, the property market unpopular personal mortgage loans blowout. Ruan Jianhong, director of the central bank survey and statistics, said that in the first three quarters of this year, individual housing loans accounted for incremental incremental loans accounted for more than 35.7%. The first three quarters of individual housing loans increased by $3 trillion and 630 billion, compared with the same period last year increased by more than 1 trillion and 800 billion yuan. Among them, in September individual housing loans increased by 475 billion 900 million yuan, the proportion of new loans in September up to 39%. Ruan Jianhong believes that the rapid growth of individual housing loans, an important reason is that this year the national real estate market trends differentiation, the Ministry of.相关的主题文章: