Of misfortunes never come singly is, put quantity loan experience to still be borrowed ahead of schedule on one hand, on the other hand increment loan has show hard. Since last year, shanghai main rooms borrows experience slow fast growth, grow quickly, add fast fall after a rise to arrive 4 phase of negative growth. Mixed this year in March April, successive already two months shrink quantity. How many when building city clinchs a deal to be borrowed to adding a room newly to decision action, many development business ever hoped 4, get warm again after a cold spell of the following May market. But in light of the circumstance from Shanghai, the half moon on May, of intermediary of some large house property secondhand the room clinchs a deal quantity, relatively on lunar the corresponding period drops 2 into the left and right sides, clinch a deal the price keeps balance basically. Additionally data makes clear, shanghai is secondhand house business clinchs a deal to appear to hang two years first oddly with what rent, first quarter is this year 2: 3, and maintained all the time 2007 3: 2 right-and-left scale. This shows the market wait-and-see mood is grumous, buy a person to enrage inadequacy.
The personage inside banking points out, in the computational formula that borrows fraction defective in the room, even if does not increase as the element of bad loan remaining sum, the denominator that should lend remaining sum as the room only is cut, fraction defective can appear rise. If secondhand the room is borrowed shrink quantity change is bigger, certainly will of its fraction defective is more conspicuous. In other words, the sluggish that the room lends remaining sum goes up or shrink quantity, the asset quality that will make individual room is borrowed is in an emergency. Will look at the moment, this kind is in an emergency won't bring serious consequence. The Central Bank leaked a crucial data in the report that publishs this, according to buy price calculative to touch borrow than (loan happening forehead / the building sells amount) for 55.4% , individual housing loan has source of relatively adequate the 2nd reimbursement. Once house price appears,this is meant adjust, the base that sells amount in the building drops up and down 20% or 30% , the pawn in bank hand still is relatively safe.
To the bank, existing room borrows rate of break a contact to still do not constitute materiality hazard, eliminate cheats the fraction defective after shifting action lower. However, it is OK that this is not equal to a bank have nothing worry about. Recently a few months, shenzhen is individual building dish the value plunges, it is an early-warning signal. March, shenzhen shares 96 to build commodity house project making work, among them 37 projects clinch a deal all valence is compared last year December highest fall achieve 40% . Negotiable securities researcher points out, be like new building dish appear of 40% fall, had exceeded the proportion that the bank pays 30% times, to these buildings dish extend the local bank that the room borrows faces bigger risk, likely even the outstanding achievement of bank of be a burden on.
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