Housing development loan growth plunged 80% individual housing loans soared www.kepu.net.cn

The housing development loan growth plunged 80% individual housing loan supply side and tighten the soaring figure overweight the demand side, the real estate "to stock" is reflected in the bank’s lending logic. Securities Times reporter combing 18 A shares listed on the semi annual report found that the first half of the first half of the bank’s real estate industry loans incremental to $38 billion 540 million, personal loans increment of 1 trillion and 990 billion yuan ($18). The same period in 2015, 16 bank loans incremental development of $234 billion 104 million, the central bank announced in 2015 from 1 to June individual housing loans increased by $1 trillion and 120 billion. In other words, in the first half of this year, real estate development loans fell by 83.54% increments, individual housing loans increased by an increase of 77.68%. One side is a substantial tightening of the real estate business loans, while overweight residents personal mortgage loans, banks are to help real estate inventory. 7 bank real estate loans of negative growth in the semi annual report data show that by the end of 2015, total loans of 18 banks in the real estate industry is 4 trillion and 64 billion 167 million yuan, the first half of this year amounted to 4 trillion and 102 billion 709 million yuan, 38 billion 542 million yuan for the first half of the incremental. Specific to each bank. 11 Bank CITIC loans rose by an average of 11 billion 100 million yuan, of which, most of CITIC Bank loans increased to 40 billion 751 million yuan; 7 banks, CCB bank, the first half of the incremental loans is negative, the incremental loans CCB is negative 43 billion 140 million yuan. Compared to the same period last year, real estate development loans incremental data can be found significantly reduced. Reporters combed report found that 16 listed banks (except when are not listed on the Bank of Jiangsu, Bank of Guiyang) at the end of 2014, the real estate development loans amounted to 3 trillion and 857 billion 51 million yuan, the end of June 2015 amounted to 4 billion 55 million yuan, 234 billion 104 million yuan for the first half of the incremental. This year, the data was only 38 billion 542 million yuan, up to a decline of up to 83.54%. China Construction Bank secretaries Chen Caihong in the interim results conference, said the first half of the amount of loans to the bank to buy a house is 6 times the amount of loans to the real estate developers, real estate development loans are compressed. Personal loans soared nearly 80% of housing prices to tighten lending at the same time, the bank is to increase personal mortgage loans, increase real estate demand. The report shows that 18 listed banks by the end of 2015 individual housing loans amounted to 11 trillion and 489 billion 140 million yuan, the end of June this year amounted to 13 trillion and 480 billion 433 million yuan, 1 trillion and 991 billion 297 million yuan increment. According to the central bank released in July 22nd last year, the first half of financial institutions to invest in lending statistics report, the first half of the personal housing loans increased by 1 trillion and 120 billion yuan. In other words, this year’s incremental housing loans grew by 77.68%. Behind the sharp increase in housing loans, the bank loans to the individual housing is the main piece. The first half of the year, bank loans and advances the new 640 billion yuan, individual housing mortgage loans in increments of 100 million yuan. This means that the first half of CCB’s new loans, loans accounted for 63.77%. In addition to the CCB, including China Merchants Bank, Agricultural Bank of China, and the increment of industrial and other 5 banks personal loans are more than half of the loan pad.相关的主题文章: