Will banks stop issuing housing loans in 2021? Can I still get a loan if I want to buy a house? The bank responded

In today’s society, people’s demand for houses is very high. The deep-rooted concept of buying houses among Chinese people is deeply rooted in the hearts of the people. However, despite this, the high housing prices make it unaffordable for many people. Even if the loan pressure is also very high, mortgage loans It usually takes 30 years to pay it off. As the country responds to the principle of not speculating on housing, some information has been circulated on the Internet. There is now a lot of news on the Internet about housing prices falling, and it has spread to the point that "banks will stop issuing housing loans." However, for some time, there has been no official statement. Will banks really stop issuing housing loans in 2021? Can I still get a loan if I want to buy a house?

Regarding the many news about home loans that are rumored on the Internet, most of them are actually false news. Now the bank’s response is here. Large banks in many regions, including some private banks, have stated that they have not received information about stopping the issuance of mortgage loans. In view of this, they can fight back against online rumors as unrealistic. At the same time, the bank also said that they are now cooperating with the instructions of their superiors to a certain extent, saying that the mortgage business has been tightened to a certain extent, but currently mortgage loans are still one of the main businesses of the bank.

According to the bank's response, they have not received any news about the suspension of lending, saying that they can still get loans to buy houses. After all, housing prices are still very high. If they do not carry out loan business, many people will not be able to get loans at all. Even if they can't afford a house, families or individuals with a decent income can still apply for mortgage loans. This will not stop suddenly or house prices will plummet in the short term.

Although banks have not received information about the suspension of housing loans, it is true that many places, especially first-tier cities, have begun to gradually put pressure on local real estate speculators to control the rising momentum of housing prices. Gradually tightening, now mainly in first-tier cities, will gradually spread to second- and third-tier cities in the future. Many people in the industry are saying that some of them are ready to divest their investment. I am afraid that the real estate industry will not be as profitable as before in the future. As house price growth gradually tightens, it will tend to be flat, gradually stabilize, or even decline in the future.

After all, banks are financial institutions and have a wide range of businesses across the country. It is unlikely that a large number of mortgage loans will be suspended. This is also unrealistic. After all, housing prices have not fallen sharply, and ordinary people cannot afford to buy a mortgage without a mortgage. If you want to start a house, banks will also lose huge economic benefits. Suspension of mortgage loans will not happen overnight. It is a step-by-step process. Judging from the current situation, the personal mortgage business has not been affected, and the overall service order is in a normal state.

Mortgage loans exist in many countries, even in developed capital countries. The real estate industry has brought impetus to China’s social and economic growth and stimulated domestic market circulation. In the past, many funds have flowed into the real estate industry, making this The industry is booming. The phenomenon of buying and selling houses is increasing. For real estate speculators, they have more and more money in their pockets, and house prices are gradually rising, making the people at the bottom even less able to afford houses, which has seriously affected their future lives. House prices are soaring. As a result, the amount of loans required by the people will increase. From the perspective of the people themselves, their work pressure and intensity will increase.

As a financial institution that issues housing loans, if banks receive instructions from their superiors, they will implement them. Now many places are practicing the principle of "stable and healthy development of the real estate market", including cities like Shanghai. Mainly, according to the existing national policies, the pace of personal housing loans will be gradually slowed down, and personal loans will be issued according to a stable trend. Industry experts said that China's housing loan policies are gradually tightening, which is the general trend, and at the same time, the tightening of personal housing loans will be carried out. Reasonable principle.