Bank personal housing loan data

202 1 year individual housing loan balance

According to the latest statistics released by the People's Bank of China, by the end of 2002 12. 14 trillion yuan, up 6.3% year-on-year, and the growth rate dropped by 3.2 percentage points from last month. From the type of loan shortage, the balance of commercial housing loans was 47 1 trillion yuan, a year-on-year increase of 6.3%; The balance of provident fund housing loans reached 7.43 trillion yuan, a year-on-year increase of 6.3%.

On June 5,438+10, the national individual housing loan increased by 1000 billion yuan. What do these figures mean?

This shows that people's desire to buy a house has reached its peak. In addition, the state gave a green light to the loan to buy a house, and people made full use of this favorable condition. Recently, the mortgage policy has been adjusted to promote the stable development of the real estate market. Housing financing is returning to normal, and residents' willingness to buy houses is also increasing marginally.

Extended data:

First, the state's regulation of the real estate market

1, at the personal level: after early regulation, residents' understanding of the real estate market gradually returned to rationality, and houses gradually returned from investment products to residential needs in some people's consciousness, and people's expectations of the real estate market also changed. For the real estate market, expectations are very important. In fact, a great supporting factor of irrational development in the early stage is the expectation of rising house prices, but this expectation is out of date. But on the other hand, in order to ensure the healthy development of the real estate market, it is not to let people form overly pessimistic expectations for the real estate market. After all, excessively pessimistic expectations run counter to the healthy development of the real estate market.

2. Policy level: "Living without speculation" is the basic orientation of Honggao's current and future development of China real estate market. The irrational development of the real estate market will lead to many economic and social problems, with less advantages and more disadvantages, so I won't go into details here, so the central government is determined to let the real estate market return to the normal development track. However, it should also be clear that letting the real estate market return to the rational development track does not mean blindly suppressing the real estate market, but maintaining its healthy development. There is no doubt that the real estate market is an important part of the economy, and its reasonable development will have a positive effect on the economy and help meet people's housing needs. The cross-cycle adjustment of macro policies will also take into account the stable development of the real estate market.

3. Financial level:

First, we should guard against the risks of the real estate market, including the excessive growth of housing prices and the debt problems of real estate developers, and transmit them to the financial sector;

Second, ensure the credit demand of rigid housing groups, and support first-home buyers in loan down payment ratio and interest rate. For example, the data shows that more than 90% of bank personal housing loans are the first home loan; Third, the credit changes related to the real estate market are part of the overall credit situation of the economy, and the tightness within a certain range is normal. Moreover, real estate is an important part of the real economy, and reasonable credit support is normal, but credit policy will not support the irrational development of the real estate market;

Fourth, financial institutions have their own pace and grasp in real estate credit while meeting regulatory requirements. The low growth rate of personal housing loan in the early stage left a lot of room for the subsequent credit situation;

5. Moderately increasing personal housing loans (including other related loans in the real estate market) while ensuring rigid demand is conducive to alleviating the debt problem of some real estate developers and restraining the negative effects of the real estate market from spreading to other market entities.

Guangfa Bank has issued130 billion ABS credit card loans with a balance of 500 billion.

In the past few years, the issuance scale of personal consumption credit ABS has increased by more than 20 times, from several billion per year to more than 1000 billion, becoming the third force after housing credit and automobile consumption loan. The participants of consumer credit ABS are mainly banks and licensed consumer financial institutions.

In the first half of this year, Guangfa Bank issued "Zhenxin 20 19 Personal Consumption Loan Asset-backed Securities" with a total amount of 5.588 billion yuan. The basic asset is the credit card consumption installment of Guangfa Bank.

Since 20 15, China guangfa bank has issued four issues of personal consumption ABS with a total amount of 1 279 million yuan, of which three basic assets are credit card cash installments and1single basic assets are credit card consumption installments.

After the issuance of Document No.7 of the Central Bank (2065438+2005), asset securitization business based on automobile mortgage, housing mortgage loan, consumer loan and credit card has developed rapidly, among which personal consumer loan has the fastest growth rate.

According to the statistics of China Asset Securitization Analysis Network, in 20 15 years, the amount of personal consumption loan ABS issued was only11300 million yuan; In 20 17, it soared to148.9 billion yuan and the former yuan. In 20 18, under the background of financial deleveraging, the ABS amount issued by personal consumption loans was still as high as101000 billion yuan.

According to the statistics of China Asset Securitization Analysis Network, in the past few years, among the top ten sponsors of personal consumption loan ABS, except Gitzo Consumer Finance and BOC Consumer Finance, the rest are all banking institutions.

The issuance scale of personal consumption loan ABS of Guangfa Bank ranks sixth, with a total of four issues, amounting to 654.38+02.79 billion yuan.

The latest personal consumption loan ABS of Guangfa Bank is "Zhenxin 20 19 Personal Consumption Loan Asset-backed Securities" issued in the first half of 20 19, with a total amount of 5.588 billion yuan. The basic asset is the credit card consumption installment of Guangfa Bank.

According to the disclosed information, the issuance of ABS this time is divided into priority A file, priority B file and third file, of which the amount of priority A file is 4.674 billion yuan, accounting for 83.64%; The issue amount of priority B is 298 million yuan, accounting for 5.33%; The issuance amount of sub-files is 6,654,380,600 yuan, accounting for 65,438+065,438+0.03%.

In this period, there were 689,000 borrowers with securities loans1223,576, the contract amount of assets pool was 9126 million yuan, the outstanding principal balance was 5.588 billion yuan, the largest outstanding principal amount of a single loan was 82,500 yuan, and the average principal balance of a single loan was only 0.46 million yuan. It can be seen that the asset pool has high dispersion and low concentration risk.

In addition, the weighted average annualized fee rate of asset pool loans is 6.99%, of which the loan balance of 7%-9% annualized fee accounts for 46%. However, this time, the interest rate of priority A file is only 3.2%, and the interest rate of priority B file is 3.76%, which has a large spread.

It is worth noting that among the four ABS products issued in the past, the basic assets of the first three phases are all credit card cash installments, and the priority of issuing interest rates is the lowest 4.35%, the highest 4.98%, the lowest 4.7% and the highest 5.29% respectively. The fourth basic asset is credit card consumption installment, with the priority interest rate of only 3.2% and the secondary issuance interest rate of 3.76%.

In the credit rating report of China Bond, the cumulative default rate of 66 static sample pools is counted based on the default standard of loans overdue for more than 90 days. The chart shows that the cumulative default rate of most samples named Huiqingchi tends to be flat after 12, and the overall default rate is between 2% and 2.5%. It is worth noting that the default rate curve of the sample pool in the second half of 20 17 and the first quarter of 20 18 is steep, and the risk level seems to have increased.

According to the rating report, the loan recovery rate of the asset pool overdue for more than 90 days is 16%.

According to the interest rate, Guangfa Bank was established in 1988, and it is one of the first joint-stock commercial banks in China. China Life Insurance (02628), the major shareholder, holds 43.69% of the shares of Guangfa Bank. By the end of 20 18, Guangfa Bank had total assets of 2.36 trillion yuan and total liabilities of 2.20 trillion yuan. Total deposits 1.32 trillion yuan, an increase of 22.28% over the beginning of the year; Total loans 1.34 trillion yuan, an increase of 2 1.5 1% compared with the beginning of the year. In 20 18, China guangfa bank realized an operating income of 59.32 billion yuan and a net profit of/kloc-0.07 billion yuan.

By the end of 20 18, the balance of personal loans of Guangfa Bank was 740.944 billion yuan, up by 29.08% compared with the beginning of the year, mainly due to the rapid growth of credit card business, personal housing mortgage loan and consumer credit business. In the personal loan structure, credit card overdraft accounts for more than 65%. By the end of 20 18, the balance of individual housing loans of Guangfa Bank was1474.82 billion yuan, accounting for19.90%; The balance of personal credit card overdraft loans was 485.5065438 billion yuan, accounting for 65.52%. By the end of 20 17, the overdraft balance of Guangfa Credit Card was 378.7 billion yuan.

By the end of 20 18, the cumulative number of credit cards issued was 69.94 million, up 22.47% from the beginning of the year, and the non-performing loan ratio was 1.30%, down 0.27 percentage point from the beginning of the year.

The proportion of personal loans of CCB, Postal Savings Bank, China Merchants Bank and other banks exceeds the standard, and the restructuring is on the way.

Many banks, such as China Construction Bank, Postal Savings Bank and China Merchants Bank, have exceeded the proportion of personal loans, and restructuring is underway.

Retail business has always been regarded as a ballast stone for banking growth and a booster for improving efficiency, but the higher the proportion, the better. At present, many listed banks are facing the problem of restructuring because of the high proportion of housing-related loans.

The First Financial Reporter combed the annual reports of listed banks in 2020 and found that the proportion of real estate loans or personal housing loans of many banks such as China Construction Bank, Industrial Bank, Postal Savings Bank and China Merchants Bank exceeded the upper limit of regulatory requirements.

"Personal housing loans account for a relatively high proportion in many banks. In order to meet the regulatory requirements, some banks need to adjust their structures. Personal mortgage loan assets are relatively high-quality, and if it turns to corporate business or credit card business, it may have an impact on the future asset status. It has little impact on large banks, but for small and medium-sized banks, if there is no concern about market segments, there will be the possibility of poor asset quality after restructuring. " A banker told the First Financial Reporter.

Super "red lines" such as CCB, Xingye, China Merchants Bank and Postal Savings.

On June 365438+February 3/last year, the People's Bank of China and the China Banking Regulatory Commission issued the Notice on Establishing a Centralized Management System for Real Estate Loans of Banking Financial Institutions (hereinafter referred to as the "new regulations"), saying that banking financial institutions are divided into five grades, of which the first grade is large Chinese banks, including six large state-owned commercial banks; The second file is medium-sized banks with medium capital, including 12 national joint-stock commercial banks. The corresponding upper limits of real estate loans and personal housing loans are 40% and 32.5% respectively; 27.5%、20%。

Judging from the disclosed annual report, some state-owned banks and joint-stock banks have exceeded the upper limit. According to the data of China Construction Bank, personal loans and advances amounted to 7.23 trillion yuan at the end of last year, an increase of 7,5651700 million yuan or1.68% over the previous year. Among them, personal housing loans were 5.83 trillion yuan, an increase of 525.764 billion yuan over the previous year, with an increase of 9.9 1%, accounting for 34.73%.

In addition, the balance of personal housing loans of Postal Savings Bank at the end of 2020 was 1.92 trillion yuan, an increase of 22 1.006 billion yuan over the end of last year, with an increase of 13.00%, accounting for 34%, exceeding the upper limit of 32.5%.

According to the annual report data of Industrial Bank, at the end of 2020, the balance of corporate real estate loans was 35 1.675 billion yuan, and the balance of personal housing and commercial housing loans was/kloc-0.05 trillion yuan. Calculated, Industrial Bank's personal housing loans accounted for 26.6% and real estate loans accounted for 35%, both exceeding the "red line" of 20% and 27.5%.

According to the data of China Merchants Bank, at the end of last year, the balance of individual housing loans was 1.27 trillion yuan, accounting for 25.35%, which also exceeded the upper limit of 20%.

In the first half of this year, when visiting some banks, CBN reporters found that when handling personal housing mortgage loans, branches and sub-branches of some state-owned banks do not need detailed bank guarantees and guarantees from relatives, and the funds transferred by relatives and friends will also be recognized by banks. Previously, the bank's mortgage application requirements were strict, and the monthly income must be more than 2.2 times that of the monthly mortgage, and only the income from the salary card was recognized.

Some analysts believe that since last year, the retail loan business and corporate business have been significantly affected by the epidemic, and the non-performing rate of many retail loans is rising. However, the non-performing rate of individual housing loans is low, which is a high-quality asset, so banks have increased their mortgage lending.

According to the data of China Merchants Bank, by the end of 2020, the overall NPL ratio of retail loans was 0.82%, that of small and micro loans was 0.63%, that of credit cards was 1.66%, that of consumer loans was 1.47%, and that of personal housing loans was only 0.3%.

By the end of last year, the NPL ratio of China Construction Bank's personal housing loans was only 0. 19%, the NPL ratio of credit card loans was10.4%, and the NPL ratios of personal consumption loans and personal business loans were 0.98% and 0.99% respectively. In addition, at the end of 2020, the balance of corporate loans and advances of CCB was 8.36 trillion yuan, the balance of non-performing loans was 2138.85 million yuan, and the non-performing rate was 2.56%.

A personal lender of a state-owned bank in North China told the First Financial Reporter that the amount of personal housing loans in his region will be reduced in the first half of this year compared with last year, but the extent will not be too great. At present, regulators and the head office pay more attention to preventing commercial loans from illegally flowing into the real estate sector.

Retail business reorganization

In recent years, with the rapid growth of bank retail business, it has gradually formed the characteristic that the stock of real estate loans accounts for a relatively high proportion. Restricted by the new regulations, some banks began to face the problem of restructuring.

"The new regulations will limit the concentration of bank real estate loans, and regulators believe that signs of overheating in the real estate market may significantly weaken the stability of the banking system." Moody's senior vice president Xiang Zeng said.

"The regulatory authorities are highly concerned about the risks of real estate, and have successively introduced various related systems, including the' three red lines' and the centralized management system of real estate loans introduced at the end of last year, which will have a significant impact on the real estate industry and market in China, including financial services. For CCB, the transition period is relatively abundant, and the impact of the new regulations on the growth of loan scale is relatively small, and the excess stock will be gradually digested. " On March 29th, Lv Jiajin, Vice President of China Construction Bank, said at the 2020 performance conference.

Lv Jiajin said that CCB continued to implement strict list management of real estate development loans, focusing on supporting high-quality customers in first-and second-tier cities, conducting project compliance review, and strictly controlling loan investment and project use. For individual housing loans, priority should be given to those who just need it, and the reasonable general housing needs and housing improvement needs of the people should be met. On the premise of meeting the regulatory requirements, we will take various measures to steadily promote the steady development of public real estate business, maintain a reasonable and moderate growth of personal housing mortgage loans, and orderly reduce the proportion of real estate loans in various loans. Zhu, chief risk officer of China Merchants Bank, said that adjustments will be made in two directions: on the one hand, in the allocation of large-scale asset portfolios, the allocation of non-credit assets such as investment assets and operating assets will be appropriately increased to increase the proportion of non-credit assets; On the other hand, we will continue to optimize the internal structure of credit assets, promote the development of businesses such as universal micro-benefit, high-quality manufacturing, consumer finance, new kinetic energy and new economy, and supply chain finance under the premise of controllable risks, continuously optimize the credit structure, and increase support for the real economy.

"As the' stepping on the line' banks adjust their structure, they may face the problem of rising related non-performing loans in the short term. Banks tilt the loan structure from individual housing mortgage loans to other businesses, which may affect the efficiency of funds to some extent. Despite this, due to the small scale and slow pace of adjustment of related loan business, the possible impact on the capital strength, asset risk and profitability of the affected banks is also small. " Moody said.

Another analyst said that the spatial difference of real estate loan ceiling between different banks will lead to the adjustment of credit structure between banks. Banks that exceed the balance of real estate loans will choose to make efforts in other real economy fields such as manufacturing, explore other areas of high-quality credit, and appropriately adjust the proportion of corporate business and retail business. Banks with sufficient space to reach the upper limit of mortgage loan ratio can also seize the opportunity to develop real estate loan business and promote the optimal balance of credit structure.

Average housing loan balance

The average housing loan balance is 18.9 trillion yuan.

At the end of 2022, the balance of real estate development loans was 12.69 trillion yuan, up 3.7% year-on-year, and the growth rate was 1.5 percentage points higher than that at the end of the third quarter and 2.8 percentage points higher than that at the end of the previous year. The balance of individual housing loans was 38.8 trillion yuan, up 1.2% year-on-year, and the growth rate was 10 percentage point lower than that at the end of last year.

On February 3, 2022, the People's Bank of China released a statistical report on the loan investment of financial institutions in the fourth quarter, showing that at the end of 2022, the balance of RMB loans of financial institutions was 2 13.99 trillion yuan, a year-on-year increase of1.1%; In the whole year, RMB loans increased by 2 1.3 1 trillion yuan, a year-on-year increase of 1.36 trillion yuan.

_ _ Among them, the growth rate of real estate loans slowed down and the growth rate of real estate development loans increased. The data shows that at the end of 2022, the balance of RMB real estate loans was 53./kloc-0.6 trillion yuan, a year-on-year increase of 65.438+0.5%, which was 6.5 percentage points lower than the growth rate at the end of last year. The annual increase was 72 13 billion yuan, accounting for 3.4% of the increase in various loans in the same period.

_ _ At the end of 2022, the balance of real estate development loans was 12.69 trillion yuan, up by 3.7% year-on-year, and the growth rate was 1.5 percentage points higher than that at the end of the third quarter and 2.8 percentage points higher than that at the end of the previous year. The balance of individual housing loans was 38.8 trillion yuan, up 1.2% year-on-year, and the growth rate was 10 percentage point lower than that at the end of last year.

_ _ At the same time, the growth rate of residents' business loans continued to rise, while the growth rate of residents' consumer loans declined. At the end of 2022, the balance of household loans in local and foreign currencies was 74.94 trillion yuan, up 5.4% year-on-year, and the growth rate was 65,438+0.8 percentage points lower than that at the end of the third quarter and 7.65,438+0 percentage points lower than that at the end of the previous year. The annual increase was 3.83 trillion yuan, a year-on-year decrease of 4.09 trillion yuan.

_ _ At the end of 2022, the balance of domestic and foreign currency household operating loans was 18.9 trillion yuan, up by 16.5% year-on-year, up by 0.4 percentage points from the end of the third quarter and down by 2.6 percentage points from the end of last year. The annual increase was 2.68 trillion yuan, an increase of 79.3 billion yuan. The balance of consumer loans (excluding personal housing loans) was 17.25 trillion yuan, up 4. 1% year-on-year, and the growth rate was 1.3 percentage points lower than that at the end of the third quarter and 5.4 percentage points lower than that at the end of the previous year. The annual increase was 675.5 billion yuan, a year-on-year decrease of 764.6 billion yuan. At the end of the second quarter of 2022, the balance of RMB loans of financial institutions was 206.35 trillion yuan, a year-on-year increase of 1 1.2%.

In the first half of the year, China's GDP was 56,264.2 billion yuan. At the end of the first quarter, the leverage ratio of China's residential sector was 62. 1%.

We can draw two messages from it:

1. The proportion of household loans to total loans is about 35.5 1%.

2. The leverage ratio of residents is the ratio of total liabilities of residents' departments to GDP. 62. 1% means that the total debt of residents accounts for more than 60% of GDP.

The International Monetary Fund believes that the leverage ratio of residents exceeding 65% will affect financial stability. At present, the leverage ratio of Chinese residents has approached or even exceeded.

Residents' liabilities are mainly mortgages.

According to the data of the central bank, the balance of individual housing loans was 38.86 trillion yuan, up 6.2% year-on-year, and the growth rate was 5. 1 percentage point lower than that at the end of last year.

Overall, this growth rate is higher than the GDP growth rate, but lower than the previous mortgage growth rate. The main reasons are:

1. At present, the debt ratio of residents is at a high level, and there is limited room for further increase.

2. The property market is relatively cold, house prices are adjusted back, and residents' enthusiasm for buying a house is declining.

Central bank data also shows that:

At the end of the second quarter of 2022, the balance of RMB real estate loans was 53. 1 1 trillion yuan, a year-on-year increase of 4.2%, which was 3.7 percentage points lower than the growth rate at the end of last year. Among them, the balance of real estate development loans was 12.49 trillion yuan, down 0.2% year-on-year, and the growth rate was 1. 1 percentage point lower than that at the end of last year.

Real estate loans include development loans and mortgage loans. In the last year or two, due to the occasional liquidity crisis of housing enterprises and the impact of the cold winter in the property market, the funds obtained by housing enterprises from banks have decreased significantly.

At the meeting of the Political Bureau on July 28th, it was mentioned that to stabilize the real estate market, we should adhere to the position that houses are used for living, not for speculation. Due to the city's policy, make full use of the policy toolbox, support the demand for rigid and improved housing, compact the responsibility of local governments, ensure the delivery of buildings, and stabilize people's livelihood.

The China Banking Regulatory Commission also made a statement: support local governments to do a good job of "guaranteeing buildings and handing over houses" and promote the stable and healthy development of the real estate market.

It can be expected that the financing of housing enterprises should be improved. After all, the property market is too important, not only involving people's livelihood, but also affecting the overall economic stability.

How to inquire about personal housing loan?

With the development of the times, many people want to buy their own house, but now the house price is getting higher and higher, and it is really difficult to buy it at once. Loan is a good way, but I just don't know how to check. Today, we will discuss this issue with * * *, how to inquire about personal housing loans. Let's take a look.

Because the bank's policies are different, the inquiry methods are different.

1. Online Banking Inquiry: After downloading the ICBC APP, click Personal Online Banking, and then click "Branch Function" to view personal loan information, and you can view all repayment plans, historical repayment records, personal information adjustment and other information.

2. Telephone consultation: Call the customer service telephone number of China Industrial and Commercial Bank 95588 directly. If it is a private user, please press 1→ to enter your account number, or your bank account number, or your bank code. In this way, the customer service of the bank will send you text messages and voice messages to let you know the specific situation of paying back the money. 3. Bank outlet inquiry: Bring your ID card and certificate to the Credit Information Center of the People's Bank of China, and please print out your credit report after finding the staff. Or go to the bank and ask the lobby manager to help him print out his account and repayment record, so that he can know his mortgage.

How to check the bank balance on the mobile phone? 1. ICBC: After logging in to mobile banking, the user selects "My Loan and Loan" on the homepage to find the mortgage, and then clicks to view the loan bank, loan amount, repayment date, repayment time, repayment time and repayment plan.

2. China Construction Bank: You should also log in to the bank, enter your ID number and login password through mobile banking, loan, loan, and you can find the detailed information of the loan on the loan page, including loan principal, loan amount, repayment times, repayment amount, annual interest rate, etc.

The above is a detailed answer about how to inquire about personal housing loan. I believe everyone already knows after reading it. I hope this article can give you some help in your life.

The introduction of bank personal housing loan data ends here.