【新唐人2013年10月22日讯】自今年6月以来，大陆银行的房贷业务就进入了“冬眠期”。近期，多个城市的银行更是出现了“房贷荒”，纷纷曝出了“暂停房贷”的消息，使得“刚需一族”的贷款购房梦成了泡影。专家分析，这次银行的房贷荒既是“钱荒”的延续，也是楼市风险加剧的体现。
最近一段时间，大陆北京、天津、山东、江苏、广州、武汉等地的多家银行，都出现了不同程度的“房贷荒”，虽然各家银行没有统一口径公告停止房贷，但是大部分银行都以额度用尽为由，暂停了房贷业务。
中信银行江苏苏州常熟方塔支行工作人员：“我们社里不再做、信用社不再做、不是说取消，是暂时没有额度了，所以就也不再做。”
自从大陆媒体曝出了银行停办房贷的消息引发争议后，一些在记者采访中明确表示停止办理房贷业务的银行，如华夏银行天津红桥支行、平安银行广州万达广场支行等，多家银行的咨询电话，已经无法拨通，其它银行也纷纷收紧口风，不再直说“停贷”，而是用无法确定放贷时间之类的“拖”字诀来推诿。
兴业北京海淀区分行知春路支行工作人员：“现在我们银行放不出来贷款。关键是我们不能保证什么时候能给您放出来。现在各个银行都没有额度，所有银行都这样，现在。”
一些银行虽然没有停止房贷业务，但也纷纷取消了原有的首套房利率优惠，普遍实行基准利率，甚至很多银行将利率上浮10%到40%，变相拒绝房贷申请者。
华夏银行北京宣武区和平门支行工作人员：“一套都上浮……最少要上浮百分几都有可能，反正肯定要上浮。现在目前就是上浮，没有什么原因，目前它贷款需求就这样的。”
据《搜房网》调查发现，虽然工、农、中、建四大国有银行目前还没有“停贷”，但房贷额度紧张的现状已经极为严峻。一家国有银行的工作人员在接受大陆媒体记者采访时坦言：“今天还能办，将来怎么样不好说，现在关于个人房贷的政策‘一天一个样’。”
目前，坊间对于银行“房贷荒”的解读多种多样，总体上可以归纳为三大原因：一是银行资金紧张，没钱贷﹔二是房贷风险加剧导致银行不敢放贷﹔三是理财产品利率升高造成了房贷利润急剧下降。
中国金融分析师任中道：“它真实的各银行的现金是非常紧张的，因为它存款不够，就不能再往外放贷款。一个是它的‘钱荒’，没钱。另一个是因为它风险大，它也不愿意放。”
中国金融分析师任中道指出，温州的“弃房断供”以及房屋过剩造成的遍地“鬼城”，虽然还没有波及到一、二线城市，但是在为数众多的三、四线城市已经苗头初现。使得对风险极为敏感的银行更加谨慎，各金融机构名单上的“高危之地”越来越多。
任中道：“被暴露出来只是温州，其他一些地方也有这样的情况，或者是没报导。据我所知，像鄂尔多斯、陕西神木啊，这些民间借贷比较多的地方，都有这种情况，它是一个苗头，然后银行都有风控部嘛——风险控制部，它从总行下达这样的命令，就是说要收紧（房贷），要注意这个事情。”
业内专家预测，银行的“房贷荒”在11月以后会继续加剧，而停贷现象对房地产市场成交量和房价的影响，可能将导致房地产市场出现“有价无市”的局面。
采访编辑/张天宇 后制/钟元
Chinese Banks Stop Mortgage Lending To Avoid Increased Risks
Since this June, mainland Chinese banks have gone into
“hibernation” mode in home mortgage lending.
Recently, the situation has become worse as banks
in many Chinese cities have even halted giving home loans.
This is a huge blow to those who’ve
had wishes of buying a house.
Some expert say the “home loan shortage” of China ‘s banks
is a succession of its “money shortage”, and also a reflection
of an increased risk in the real estate market.
Recently, a number of Chinese banks have been facing
different degrees of “home loan shortages” in Beijing, Tianjin,
Shandong, Jiangsu, Guangzhou and Wuhan.
Although most of them have not officially announced
stopping home loan service, they have indeed suspended
the service on the grounds of an “exhausted credit line”.
Employee of China CITIC Bank’s Suzhou Fangta Branch:
“Currently our branch no longer offers home loans.
The service is not canceled, just suspended,
because we’ve depleted our credit line.”
Public disputes have arisen since the news of “home loan
suspensions” was reported by the media.
Some reporters had tried to call the service hotlines of
branches that had halted the home loan service.
However, many branches, such as Tianjin Hongqiao Branch
of Hua Xia Bank and Guangzhou Wanda Square Branch of
Ping An Bank, did not pick up the calls.
After that, many other banks have become more careful
in choosing their words in response to queries on the issue,
saying things like “the timeline for resuming the service
is unknown” instead of saying “no more home loans”.
Employee of Beijing Zhichun Road Branch, Industrial Bank
Co.: “At present we are not able to offer loans.
More importantly, we have no guarantee on when we
can do that.
No branch has an available credit line.
At present, they’re all like this.”
For those banks that still are offering home loans, they have
also called off first-house mortgage lending discounts
and instead implemented standard lending rates.
Many of them have even increased rates by 10% to 40%,
which is simply another way of “refusing” mortgage applicants.
Employee of Beijing Hepingmen Branch, Hua Xia Bank:”
Even for the first house the lending rate will go up.
It will definitely go up, at least by several percents.
The rate is increasing with no particular reason,
since the loan demand is just like that right now.”
According to a survey conducted by SouFun, a major
Chinese real estate website, although China ‘s “Big Four”
state-owned banks have not suspended home loan service,
the problem of tight credit lines has become extreme serious.
When interviewed by mainland media, an employee of one
of those state-owned banks made the confession that:
“We are still good today, but it is hard to say about tomorrow.
Now the policy on personal home loans changes daily.”
Currently there are many different interpretations of
the “home loan shortage”.
In general, they can be summarized as three major reasons:
First, banks are short of money to offer loans;
second, banks are reluctant to offer loans as the risk
becomes much higher; third, banks are making more benefits
from financing services and much less from home loans.
Ren Zhongdao, Chinese financial analyst:”The truth is that
all banks are very short of cash.
The deposits are not enough; therefore it cannot
lend more money.
So this is the first reason, ‘money shortage’.
There is no money.
Another reason is, the risk of loan service has become
higher and banks don ‘t want to do that any more.”
Chinese financial Ren Zhongdao says that
the large-scale foreclosure in Wenzhou and widespread
“ghost cities” due to over-construction begin to show
their effects on numerous third- or fourth-tier cities,
although the impact has yet to be seen in larger cities.
In such a situation, the very risk-sensitive banking industry
has to be even more careful, and the list of “high-risk cities”
is becoming longer and longer for all financial agencies.
Ren Zhongdao:”Only the story of Wenzhou was revealed
to the public, but there are similar cases elsewhere
that have not been reported.
To my knowledge, similar things also happened in places
with more private lending, such as Ordos City or
Shenmu County of Shaanxi Province.
This is a trend observed by the banks because they all have
risk management departments.
Then the headquarters commands all branches, telling them
to pay more attention and tighten control over home loans.”
Experts predict that the “home loan shortage” will
become worse after November.
Talking about its impacts, “reining in mortgage lending”
may finally result in a situation of “Zero Purchasing Power”
in China ‘s real estate market.
