Among the 13.68 trillion yuan of loans increased in the first half of the year, the proportion of real estate loans fell sharply< Br > < div class= "contheight" > < / div > on July 29, the people’s Bank of China released the statistical report on the investment orientation of financial institutions’ loans in the second quarter of 2022, which showed that < strong > RMB real estate loans increased by 668.5 billion yuan in the first half of this year, accounting for 4.9% of the increase in various loans in the same period, down from 19.1% last year. Meanwhile, personal housing loans increased only slightly in the second quarter of this year < br > < div class= "contheight" > < /div> the report shows that at the end of the second quarter of 2022, the balance of RMB real estate loans was 53.11 trillion yuan, an increase of 4.2% year-on-year, 3.7 percentage points lower than the growth rate at the end of the previous year; In the first half of the year, it increased by 668.5 billion yuan, accounting for 4.9% of the increase of various loans in the same period, accounting for 14.2 percentage points lower than the level of the whole year of last year< Br > < div class= "contheight" > < / div > among them, by the end of the second quarter of 2022, the balance of real estate development loans was 12.49 trillion yuan, a year-on-year decrease of 0.2%, and the growth rate was 1.1 percentage points lower than that at the end of the previous year. Among them, the balance of affordable housing development loans was 4.56 trillion yuan, a year-on-year decrease of 1.9%, a decrease of 0.3 percentage points from the end of the previous quarter< Br > < div class= "contheight" > < / div > personal housing loans increased by only 0.02 trillion yuan in the second quarter of this year< Br > < div class= "contheight" > < / div > data show that as of the end of the second quarter, the balance of personal housing loans was 38.86 trillion yuan, an increase of 6.2% year-on-year, and the growth rate was 5.1 percentage points lower than that at the end of the previous year. At the end of the first quarter of this year, the balance of personal housing loans was 38.84 trillion yuan< Br > < div class= "contheight" > < /div> at the same time, the growth rate of household loans also fell in the first half of the year< Br > < div class= "contheight" > < / div > at the end of the second quarter of 2022, the balance of domestic and foreign currency household loans was 73.29 trillion yuan, an increase of 8.2% year-on-year, and the growth rate was 4.3 percentage points lower than that at the end of the previous year; In the first half of the year, it increased by 2.18 trillion yuan, with a year-on-year decrease of 2.39 trillion yuan< Br > < div class= "contheight" > < / div > at the end of the second quarter of 2022, the balance of domestic and foreign currency household operating loans was 17.75 trillion yuan, an increase of 15.1% year-on-year, 4 percentage points lower than the end of the previous year; In the first half of the year, it increased by 1.54 trillion yuan, a year-on-year decrease of 264.1 billion yuan. The balance of households’ other consumer loans (excluding personal housing loans) was 16.68 trillion yuan, a year-on-year increase of 5.8%, and the growth rate was 3.7 percentage points lower than that at the end of the previous year; In the first half of the year, it increased by 109.5 billion yuan, with a year-on-year decrease of 532.2 billion yuan< Br > < div class= "contheight" > < / div > in the first half of this year, the loans of enterprises and institutions continued to grow, and the growth rate of medium and long-term industrial loans was higher< Br > < div class= "contheight" > < / div > the report shows that at the end of the second quarter of 2022, the loan balance of domestic and foreign currency enterprises and institutions was 134.15 trillion yuan, an increase of 12.6% year-on-year, and the growth rate was 1.6 percentage points higher than that at the end of the previous year; In the first half of the year, it increased by 11.56 trillion yuan, an increase of 2.99 trillion yuan year-on-year< Br > < div class= "contheight" > < / div > at the same time, at the end of the second quarter of 2022, the balance of medium – and long-term loans in domestic and foreign currency industries was 15.25 trillion yuan, an increase of 21.2% year-on-year, 10.4 percentage points higher than all loans and 1.4 percentage points lower than the end of the previous year; In the first half of the year, it increased by 1.81 trillion yuan, an increase of 218.1 billion yuan year-on-year