中资银行三年来首次上调抵押贷款利率
Barchart 12月19日的数据显示，中国各银行三年来首次上调新增抵押贷款成本。数据还表明，由于房地产持续低迷和中国经济放缓，中资银行的利润率正在收窄。
新加坡公司 Data Motion International Trading Pte 的数据还显示，42 个大城市购房者首套房的平均抵押贷款利率从 10 月份的历史低点 3.05% 微升至 3.08%。抵押贷款利率的上升仍然令人惊讶，因为房地产市场仍处于三年前开始的持续下滑之中。
尽管自九月底开始的刺激措施以来销售出现改善，但中国房地产市场价格仍在暴跌。
中国监管机构指导银行提高新增贷款抵押贷款利率
中国银行三年来首次提高抵押贷款利率pic.twitter.com/NlP5RWX0ot
—条形图 (@Barchart) 2024 年 12 月 19 日
Chinese banks are battling a record-low net interest margin but are still under pressure to boost their books. The pressure seems to be constraining the central bank’s ability to further bring down interest rates. More rate cuts could indicate that next year will intensify the challenge for lenders to find ways to deal with declining loan rates.
Shen Meng, a director at Beijing-based boutique investment bank Chanson & Co, believes that home sales will likely remain challenging in the near future, making the rate increase unjustified from a market perspective.
“It’s likely that regulators guided the banks to raise mortgage rates on new loans in a concerted move, so as to create enough buffer for further and bigger rate reductions next year.”
– Shen Meng, Director at Chanson & Co.
The world’s No.2 economy moved to lower costs in late September on as much as $5.3 trillion in outstanding mortgages for homeowners to bolster the property market. Pang Gongsheng, Central Bank governor, revealed that the measures would result in an average 50 basis point cut for borrowers and reduce their annual interest expenses by about 150 billion yuan ($20.6 billion).
PBOC’s executives issue guidance to ease price war among banks
Figures from Data Motion that surveyed banks’ local branches across Chinese cities also disclosed that 17 out of the 42 cities lifted first-home mortgage rates in November. Cities like Wuhan, Wenzhou, and Changsha recorded the biggest increase of 20 basis points.
A report by Caixin revealed that the uptick trickled down from guidance given by local branches of a supervisory body overseen by the People’s Bank of China (PBOC). The supervisory body known as the interest rate self-disciplinary mechanism cited two unnamed bank executives.
The report also disclosed that the executives’ guidance was intended to ease a “price war” among banks that undermined profitability as they raced to slash mortgage rates to draw clients.
Official data also indicated that combined profits at commercial lenders edged up just 0.5% in the first three quarters to 1.9 trillion yuan. The data also showed that total non-performing loans surged to a record 3.4 trillion yuan at the end of September. Net interest margins also narrowed to 1.53%, the lowest ever and well below the 1.8% threshold regarded as necessary to maintain reasonable profitability.
The nation’s central bank cut the reserve requirement ratio in recent years to free up low-cost money and address lenders’ profit pressure. China’s banks also cut deposit rates to reduce funding costs. The country’s authorities joined in vowing to beef up capital positions at the biggest state-owned lenders using funding from the sale of special sovereign bonds.
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