Since the beginning of this year, the mortgage interest rate has been lowered one after another. What is the real situation of the “early repayment of housing loans” hotly discussed in the market? The personal housing loan data disclosed in the semi annual report of listed banks in 2022, which have all been released, may be seen< Br > < div class = "height" > < / div > the reporter found that among the 19 listed banks in the first and second grades of the real estate loan concentration management system, the balance of personal housing loans of 5 banks in the first half of this year decreased compared with the end of 2021. The new amount of large state-owned banks, as the main force of real estate loan issuance, was also far less than that in 2021. The non-performing rate of personal mortgage loans of most banks has risen, but from the absolute value, the risk is controllable< Br > < div class = "height" > < / div > among the 19 listed banks, there are 6 listed banks in the first tier of large Chinese funded banks, namely, ICBC, CCB, ABC, BOC, BOCOM and postal savings bank, and 13 listed Chinese funded medium-sized banks in the second tier, including 10 listed national joint-stock commercial banks (China Merchants Bank, Shanghai Pudong Development Bank, industrial bank, CITIC, Minsheng, Everbright, Ping An, Huaxia, Bohai and Zheshang), as well as Bank of Beijing, Bank of Shanghai Bank of Jiangsu< Br > < div class = "height" > < / div > specifically, the six major state-owned banks are still the absolute main force of mortgage loans< Br > < div class = "height" > < / div > in the first half of this year, the personal housing loans of the industrial, agricultural, China Construction, communications and postal savings banks increased by 415.5 billion yuan. Among them, Agricultural Bank of China has the largest increase, followed by China Construction Bank and industrial and Commercial Bank of China< IMG ALT = "list of changes in individual housing loan balance and asset quality of large banks in the first half of 2022" style = "width: 600px;" src=" https://imagecloud.thepaper.cn/thepaper/image/213/679/252.png ">
list of changes in the balance of individual housing loans and asset quality of large banks in the first half of 2022 < / P > however, compared with last year, the growth of individual housing loans of the six major banks decreased significantly. < br > < div class =" continheight "> < / div > in 2021, the personal housing loans of ICBC, CCB, ABC, BOC, postal savings bank and Bank of communications increased by 634.37 billion yuan, 501.561 billion yuan, 579.665 billion yuan, 324.785 billion yuan, 248.254 billion yuan and 195.744 billion yuan respectively, reaching a total of 24843 billion yuan. < br > < div class =" height "> < / div > among the 13 medium-sized banks, the balance of personal housing loans in the first half of this year decreased compared with that at the end of last year, namely, Shanghai Pudong Development Bank, industrial bank, China Minsheng Bank, Bank of Beijing and Bohai bank. < br > < div class =" contheight "> < / div > among them, according to the real estate loan concentration management system, the proportion of personal housing loans of Industrial Bank and Bank of Beijing previously exceeded the regulatory red line, and now it needs to complete the rectification within the transition period. Industrial Bank said in its semi annual report that the bank reduced the concentration of personal housing mortgage loans and increased the investment of inclusive personal business loans. The proportion of personal housing and commercial housing loans decreased by 2.27 percentage points compared with the end of last year.
< div class = "height" > < / div > from the perspective of asset quality, from the disclosed data, the non-performing rate of individual housing loans is low in both large state-owned banks and medium-sized banks. In the first half of this year, the non-performing rate of individual housing loans of China Merchants Bank decreased slightly compared with the end of last year, while that of Agricultural Bank of China remained stable, while the rest increased< IMG ALT = "list of changes in individual housing loan balance and asset quality of medium-sized banks in the first half of 2022" style = "width: 600px;" src=" https://imagecloud.thepaper.cn/thepaper/image/213/679/490.png ">
list of changes in the balance of individual housing loans and asset quality of medium-sized banks in the first half of 2022 < / P > senior executives of various banks also expressed their confidence in the asset quality of individual housing loans at the mid-term performance presentation. < br > < div class =" height "> < / div > Wang Jingwu, vice president and chief risk officer of ICBC, said that recently, with the support of national policies and the joint efforts of all parties,” guaranteed delivery of buildings ” The work is progressing in an orderly manner, and relevant risks are gradually being resolved in an orderly manner. Subsequently, ICBC will continue to adhere to the positioning of “houses are for living, not for speculation” and do a good job in real estate financial services. Actively cooperate with local governments to do a good job in “ensuring the delivery of buildings and stabilizing the people’s livelihood”, continue to do a good job in financial services for individual mortgage customers, and promote the steady and healthy development of the real estate market< Br > < div class = "height" > < / div > Li Yun, vice president of China Construction Bank, said at the bank’s interim performance meeting that overall, the risk of personal mortgage loans of China Construction Bank is controllable. In the next step, CCB will actively cooperate with local governments to promote the work of ensuring the delivery of buildings, people’s livelihood and stability, help properly resolve risks and promote the steady and healthy development of the real estate market.