Shrink the individual housing loan after the quantity gets attention fully. The report that the Central Bank publishs last weekend says, the risk that individual room shifts basically includes beak a contract risk and ahead of schedule reimbursement risk. Although at present the risk can accuse basically, but also need attention to shift to an earlier date at the same time the brought risk such as reimbursement.
According to the investigation of the Central Bank, it is partial borrower plans reimbursement time actively, the loan client of 35.2% has had ahead of schedule reimbursement behavior, when the person of 32.3% is borrowing money, have among them ahead of schedule the plan of reimbursement; 2 it is interest rate go up often tone increased to shift to an earlier date reimbursement risk, the informant of 54.8% expresses to may shift to an earlier date because of this reimbursement; 3 it is domestic income rises will increase ahead of schedule the possibility of reimbursement, the informant of 21.6% anticipates prospective family income will have relatively rise substantially.
Still be being borrowed ahead of schedule is the issue that bank room lends business to ache with connections all the time, because shift to an earlier date to still borrow room of meeting be a burden on to shift the growth of remaining sum, the fund that gives a bank applies a plan to increase inaccuracy to decide an element. One of “ fuse ” that still borrow ahead of schedule are loan is added breath, appear the most easily in year end of concentration still borrow ahead of schedule. 2006 end, as a result of the stock market fiery at that time, the person that borrow money had better fund use, still shift the pressure that did not become a bank ahead of schedule. But as since 2007 add for many times continuously breath, and effect of stock market occurrence be out of pocket, the momentum that still lends ahead of schedule increases apparently, and appear in year end not simply.
Nearly a few months, the individual room of Shanghai and other places borrows remaining sum to shrink quantity, with still borrow ahead of schedule have particular concern. Feburary, room of individual of the bank on Shanghai shifts growth sudden slowdown. Analysis of headquarters of Central Bank Shanghai points out, estate market trades room of quantity atrophy, individual is borrowed reimbursement increases and build commodity house to supply ahead of schedule decrease wait for an element, affected individual room to borrow. Branch of Shanghai of bank of some share-holding system disclosed to media recently, the reimbursement amount that should go every months last year is 150 million yuan, rise to be controlled to 200 million yuan now. Be versed in travel Shanghai branch also confirms, ahead of schedule reimbursement grows somewhat really. From the point of current condition, although some bank drive up the doorsill that still borrows ahead of schedule, if lengthen the cycle that application deals with, but fail to control the demand that still shifts ahead of schedule. Below the dominant of cost Zhang, even if formalities is troublesome, the person that the part borrows money or meeting insist to still be borrowed ahead of schedule.
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