Exceed 3 to borrow a client to shift to an earlier date into the room reimbursem

Construction bank once had announced pressure of quality of a loan to check conclusion, namely house price drops 10% when, won't produce an effect to the bank; Drop 20% when, can have certain negative effect; When instantly drops to 30% above, can produce bigger negative effect. A report that publishs this at the same time by subbranch of a bank of center of Central Bank Shenzhen is special remind, 2007 4 to July is Shenzhen building city clinchs a deal fastigium, house price blazes new trails ceaselessly tall, and investor follows suit in succession city, the person buy a house that this paragraph of period enters town bears to what the price drops strength is relative poorer. From the price that produces negative substance critical point looks, by 7 calculate into loan specified amount, secondhand the price if relatively market fastigium drops 30% , bank negative assets can arise.

The report of Shenzhen still says, in last few years room of Shenzhen city family borrows a month to offer the proportion that takes domestic income for reaching all months, the person buy a house that every year all more than 3 is become exceeds 40% with 45% , the reimbursement that reflects this part family and fight risk ability weaker, once house price drops continuously, the person that this part loan buys a house will form bigger reimbursement venture.

Visible, by touch borrow lower brought pawn safety factor, it is opposite only, drop as house price the enlarge of extent, and the change that the individual pays ability, rate of break a contact can be climbed gradually litre, will bring about a bank to borrow money at dun from this.

Report of even if Central Bank thinks the room borrows a risk to be able to accuse basically, also the bank reminds, individual room is borrowed already entered tall venture of break a contact gradually period. According to the report, in the case that some district court heard Chongqing 2007, the person that the individual buys a house is owed borrow case jump reach 110, and the case that financial orgnaization shape solicits an enterprise to borrow money to be not returned falls however reach 6.

The room borrows atrophy, still borrow ahead of schedule increase, house price wave motion increases wait for 3 big factors, make a bank before making the room borrows unlike a few years relaxed make money in that way. Be in specific area, the potential risk that individual room shifts cannot be not prevented.