The government earlier relaxed the ceiling on mortgage prices
Cao Deming, Senior Vice President of Meridian Mortgage Referral, predicted yesterday that the number of mortgages on existing properties will record about 107,000 this year; however, due to the uncertainty of the property market next year, and the number of mortgage conversions will be significantly reduced. It is expected that the number of mortgages in existing buildings next year will fall by 15% year-on-year to around 90,000.
Dropped to 90,000 cases
Cao Deming pointed out that the bank’s approval of mortgages is also relatively conservative; affected by the banks’ tightening of mortgage discounts, and the actual mortgage interest rate is about 2.15% from 2 years ago, which has increased by about 35 pips, the number of refinancing mortgages next year is expected to fall by 50% year on year % To about 20,000 cases. The proportion of newly approved loans to new loans approved by the number of cases will decrease from an average of 36.3% this year to about 25% in the future.
He expects that the number of new mortgages approved this year will be about 108,000 last year, and will fall by about 20% next year to 86,400
The number of uncompleted mortgages will fall by 7.7% next year to 12,000
In addition, Wang Meifeng, the managing director of the Central Plains Mortgage, believes that if the social atmosphere improves next year, the new mortgage amendment and low interest rate environment will still support the property market. However, given the reduction in the refinancing interest rate and rebate discounts, coupled with the reduction in the number of refinancings, it is expected that the number of new mortgages taken down next year will decrease by 4.8% to 80,000; To 335 billion yuan. She said that although the number of mortgages fell, it was still at an ideal level, and the estimated amount was the third highest in history.