When we were immersed in the plot of "Hurricane" and lamented when Gao Qiqiang's villa would be delivered, the annual reports of the six major banks quietly revealed an astonishing secret: the balance of personal housing loans decreased by more than 500 billion yuan last year! This is not a small amount, and it is even higher than the GDP of some small countries. So, the question is, where does all this money go?
Looking back at 2022, the balance of personal housing loans of the five major banks of industry, agriculture, China, construction and communications has all decreased, and only the Postal Savings Bank is growing. Among them, the Agricultural Bank of China shrank the most, reducing by 175.781 billion yuan, while the balance of China Construction Bank still ranked first, but it also decreased year-on-year. This change is like a group of fat people suddenly losing weight, which catches people off guard.
Let's analyze the reasons for the large shrinkage of housing loans. First of all, affected by the epidemic and other factors, many people's housing demand has been temporarily frozen, like a snake in winter, and they don't want to move. Secondly, the emergence of the prepayment tide has made the bank's abacus clanging. The reduction in deposit rates has led some people to choose to repay their loans early to avoid interest losses. It's like a lot of people suddenly quitting the mortgage club of the bank, leaving the bank at a loss.
Faced with this situation, banks also have to take some measures. The Agricultural Bank of China and the China Construction Bank have coincidentally chosen to increase other types of loans and optimize the credit structure. Just like a fat man who has successfully lost weight, he begins to try to wear more styles of clothes and show a new image of himself. The Postal Savings Bank has become the only major state-owned bank to increase the balance of personal housing loans, which makes people ask, "Do you have any unique secrets?"
Experts also have their own views on this market landscape. The market generally believes that the rise of the housing rental market will make the market more balanced. It's like a breath of fresh air in the real estate market, giving buyers and renters more options. At the same time, experts also reminded that it is necessary to pay attention to the operating conditions and loan quality of real estate enterprises to prevent possible risks. This is like a warning to everyone that while pursuing beauty, you should also pay attention to your physical health and don't over-diet in order to lose weight.
We can't help but ask, where will the mortgage market go in the future, will it continue to shrink, or will it rebound? One thing is for sure, though, that the market will always change faster than we think, and we have to adapt to stay at the table in this game.
In this era of uncertainty, what we can do is to grasp our own purse strings and make decisions carefully. Whether it's buying a house or taking out a loan, you have to do what you can, after all, life is not a TV series, and there are not so many plot reversals. What we have to do is to find our own foothold in this era of rapid development and take every step steadily.