Civil | Rare money net
According to 6 big state-owned banks the annals 2018 shows, last year 6 big added loan newly to achieve five thousand one hundred and thirty billion five hundred and fifty-nine million yuan, among them company kind loan is one thousand four hundred and eighty-seven billion six hundred and eight million yuan, individual loan is three thousand one hundred and eighteen billion and four million yuan. And in 30 thousand much individual loan, having two thousand five hundred and thirty-three billion eight hundred and ninety-six million is the room borrows a person, 81% what take individual loan, occupy the half left and right sides that always increases loan newly, seeing a room borrow the proportion in bank loan is taller. That why bank so does the preference extend is the room borrowed?
Above all, the risk of break a contact that the room shifts is lesser. The bank is in extend to the individual before the room is borrowed, it is can right for certain actual strength and credit do the individual's economy to be examined strictly, the house that has the individual ability with certain economy actual strength and good credit to acquire a bank only borrows money, the nature of risk of break a contact of these people is relatively lesser.
And the room is borrowed the house serves as guaranty, calculate an individual to still do not go up money, the bank also can call in the house auction, will call in with this the loan fund that the bank extends. To very much individual, the most valuable asset on the body is house property, the house makes pledge, bank nature need not fear the individual does not return money. And the bank is credit more to the loan of the enterprise, plus break a contact of occurrence debt of not little last year company, because this bank is in,extend to the enterprise loan is done not have so on heart.
Next, it is the room borrows interest rate to have rise. Below policy and market element influence, the room of each district lent interest rate 2018 somewhat rise, highest rise amounts to the loan interest rate that some cities have some of bank 30% . If someone borrows money 1 million buy a house, fixed number of year is 30 years, in order to wait for reimbursement of means of frontal principal and interest, if borrow money interest rate rise 30% , mean accrual to want to increase 30 much. The bank can make money more, where is what is there against it?
In addition, the room shifts the interest rate risk that faces to the bank relatively inferior also. The term that borrows because of the room grows quite commonly, be in so extend when the room is borrowed, general apt signs loan of float interest rate with the client. If did not come,standard interest rate went up, the room borrows interest rate to also can go up accordingly, the bank need not assume interest rate to rise and the risk with fixed income.
Finally, house price rises to drop more little, level of integral house price still is rising steadily. The data that publishs from national statistic bureau can see, 2018 the whole nation 70 big in bridal chamber price of the city drops compared to the same period only two, other and all rise. And house price drops most city just dropped 0.4% , rise most city was swelled to exceed 20% .
Because house price is rising steadily all the time, the bank extends to the individual the room is borrowed also had a bottom to enrage more. As long as house price still is rising, the individual also won't be broken easily borrow. And calculate an individual to still do not have money, below the setting that rises in house price, the bank also is compared through auctioning the house call in capital and accrual easily. If be house price is in all the time,drop, the bank is afraid do not have so great courage to extend to the individual so much room was borrowed.
The bank uses so much fund at the room to borrow above, it is most welcome for certain to business of house property development, such not anxious house sells did not go out. However, to the individual with respect to may not it is a favour. Though this meeting makes the individual buys a room to become easier, but can let an individual bear heavy room to borrow not only, and the person that buys a house became much also can push tall house price, after letting " get on a car " the person buys the money more with more difficult, beautiful room.
In addition, the capital of the bank is finite originally, use in the room to borrow the fund above much, the fund that is used on business loan is little. And if the enterprise cannot obtain sufficient financing, appear possibly management difficulty closes down even, this pair of the individual's income also can produce adverse effect apparently. Can imagine, the individual took a large sum of loan to buy a house from the bank, oneself manage difficulty because of be in an enterprise to lack capital to appear however and be forced come off sentry duty, how should when arriving, be good?
