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Original title: The local version of the detailed rules for the concentration of mortgages is introduced intensively in Shanghai, Zhejiang, Hainan and other places.
All reporters Li Yuwen and Zhang Yi All editors Yi Qijiang
The People’s Bank of China and the China Banking and Insurance Regulatory Commission jointly issued the “Notice on the Establishment of a Centralized Management System for Real Estate Loans of Bank Financial Institutions” (hereinafter referred to as the “Notice”). Nearly two months later, many places are now monitoring the concentration of real estate loans by corporate banks within their jurisdictions. Titling rules have also been introduced one after another.
According to what the “Daily Economic News” reporter learned, Shanghai, Zhejiang, Hainan and elsewhere have raised the upper limit of the real estate loan assessment of corporate banks within their jurisdictions, but the specific levels of banks increased and the rate of increase are slightly different. Among the local regulations issued at present, the regulatory standards of Xiamen and elsewhere are consistent with the “Notice” and have not been adjusted.
Source: People’s Bank of China, Soochow Values, Haitong Values, China Visual Map, Yang Jing DrawingSome banking indicators go up
According to the requirements of the “Notice”, the upper limit of the proportion of real estate loans and the upper limit of the proportion of personal home loans are divided into five levels: 40% and 32.5% for large Chinese banks, 27.5% and 20% for medium-sized Chinese banks and small Chinese banks. Out-of-county rural cooperative institutions and banks were 22.5% and 17.5%, county rural cooperative institutions were 17.5% and 12.5%, and rural banks were 12. 5% and 7.5%.
On February 23, the “Daily Business News” reporter learned from people familiar with the matter that the Shanghai branch of the People’s Bank of China and the Shanghai Banking and Insurance Regulatory Office recently issued a notice on the concentration of loans. domestic real estate Corporate banking financial institutions Relevant regulatory indicators for second and fifth tier banking increased 2% and 1.5% respectively.
According to the reporter’s knowledge of close supervisors, the Hangzhou Central Branch of the People’s Bank of China and the Zhejiang Banking and Insurance Regulatory Bureau recently issued the “Notice on the Implementation of Management Requirements for Concentration of Real Estate Loans in Institutions financial banking Loan concentration The management requirements are determined as follows: according to the third, fourth and fifth level real estate loan concentration management requirements, the upper limit of the third level remains unchanged, the upper limit of the fourth level is increased by 1 percentage point and the fifth – the upper limit of the level is increased by 2 percentage points.
In addition, according to a document issued by the WeChat public account of the Hainan Provincial People’s Government General Office in the “Hainan Provincial Government Network”, Hainan has issued the “Notice on the Implementation of Requirements for Concentration Management of Real Estate Loans of Local Corporate Banking Financial Institutions in Hainan Province “. Shi Haifeng, deputy director of the Credit and Monetary Management Division of the Haikou Central Branch of the People’s Bank of China, said that according to regulations, the third to fifth levels mainly apply to local corporate banking industry financial institutions in Hainan Province. Most of the province’s corporate banking financial institutions meet the requirements of the real estate loan concentration management system.
“Under the premise of the policy permit, he is determined to raise the upper limit of the third-tier real estate loan ratio by 2.5 percentage points to 25%. This is more in line with the reality of Hainan and will help the relevant institutions to more rationally optimize the credit structure, “said Shi Haifeng.
In addition, the reporter learned from the banking industry in Chengdu that late last year, the regulatory notice issued a staggered management of the upper limit of the concentration of real estate loans from local corporate banking financial institutions in Sichuan province. Among them, the upper limit of the proportion of personal loans for housing for the fourth level institutions (rural county cooperative institutions) was adjusted to 14% (1.5 percentage points more than the “Notice” benchmark) and the Upper limit of the proportion of real estate loans was implemented in accordance with the “Notice”.
According to media reports, Guangdong raised the upper limit of the third- and fourth-tier real estate loan concentration by 2% and 2.5%, respectively. Shandong raised the upper limit of the real estate loan concentration standard for the city’s commercial banks and private banks (that is, some third tier institutions) within its jurisdiction by 2.5 percentage points to 25%.
It does not mean that mortgage control is relaxed
The reason localities can relax local bank mortgage limits according to the “Notice” is because the “Notice” makes it clear that all regions can manage the concentration of real estate loans in the third, fourth and fifth level of the “Notice” Based on the requirements, within the range of 2.5% increase or decrease, reasonably determine the management requirements for the concentration of real estate loans of local corporate financial banking institutions applicable to the corresponding degree within the jurisdiction.
Soochow Securities analyst Ma Xiangyun noted in a research report that Guangdong moderately relaxed the upper limit on real estate loan installments for local banks, which in turn is in line with the requirements of the new mortgage loan regulations in the previous period, reflecting the political orientation of adapting measures to local conditions and stabilizing the market. Recently, regulators have rigorously investigated the illegal flow of consumer and commercial loans into the housing market. At the same time, real estate control in hotspots has remained tight, so it doesn’t mean that mortgage control has generally been relaxed.
The journalist noted that there are some places that have not yet raised the upper limit of the evaluation index in the local version of the regulations that have been published. The reporter learned from a corporate bank in Xiamen that the Xiamen Central Sub-branch of the People’s Bank of China and the Xiamen Banking and Insurance Regulatory Bureau issued a notice that the Xiamen corporate banking financial institutions belong to the third and fifth level. The upper limit of the ratio and the upper limit of the proportion of personal loans for the home are respectively 22.5% and 17.5%, 12.5% and 7.5%, which are consistent with the “Notice”.
The “Daily Business News” previously calculated the share of personal home loans (home loans) and real estate loans in total loans from 37 listed banks at the end of June last year, and found that 11 of them were personal loans for living place. or real estate loans, the ratio crosses the “red line” and reaches 29.73%.
However, supervision has left a transitional period for banking financial institutions to adjust their business. Specifically, at the end of December 2020, if the proportion of real estate loans by bank financial institutions and the proportion of personal loans for housing exceed the management requirements and exceed 2 percentage points, the commercial adjustment transition period will be 2 years as of the implementation date. of the “Notice”; if it exceeds 2 percentage points or more, the trade adjustment transition period is 4 years from the date of implementation of the “Notice”.
