Central Bank: New Quarter Real Estate Loans Decreased By 50.7% In The Three Quarter

Personal loans increased by 1 trillion and 160 billion in the first three quarters.

In the first three quarters, the main financial institutions and rural cooperative financial institutions and the urban credit cooperatives increased RMB 1 trillion and 720 billion yuan in real estate loans. The balance at the end of 9 increased by 32.9% over the same period last year, 5.2 percentage points lower than the end of last year.

Specifically, in the first three quarters, real estate development loans increased by 160 billion 200 million yuan, real estate development loans increased by 399 billion yuan, and personal loans increased by 1 trillion and 160 billion yuan.

Comparing the first half of the data, the three quarter of the real estate RMB loans increased by about 340 billion yuan, of which 116 billion 900 million yuan in real estate development loans, personal loans increased by about 227 billion 700 million yuan, the growth rate has slowed down significantly.

In the first half of the year, real estate loans, development loans and personal loans increased by 690 billion yuan, 221 billion 150 million yuan and 466 billion 150 million yuan, compared with a decrease of 50.7%, 47% and 51.2%.

"Data did not reflect the 8 and September small house climax"

Wan Yumin, general manager of the Beijing real estate Guarantee Corporation, said that the new housing loans usually started in the 1 to 2 months after signing the sales contract, so the 8 and September small house climax did not reflect the data in the first three quarters.

In the three quarter, with the start of the second round of regulation and control policies, developers have difficulty in financing and get loans. Many buyers can not afford to buy houses because of various restrictions.

She also said that after the first half of the year's hot sales, the funds of the big developers have been well replenish, and there will be no problems in the short term. However, some small developers or developers who have not caught up with this round of market will face severe capital tests.

In addition, the central bank data show that in the first three quarters, the total amount of RMB personal consumption loans of all financial institutions increased by 1 trillion and 500 billion yuan, up by 251 billion yuan compared with the same period last year.