Housing market diagram.Reporter Zhu Manning/Photography
The Central Bank announced yesterday (22nd). The five major banks including the Bank of Taiwan added 89.562 billion yuan in new mortgage loans in November, setting a new record high and a surge of 10.788 billion yuan in a single month. Cai Huimei, deputy director of the Economic Research Department of the Central Bank, analyzed that there was a wave of housing handovers in some parts of the country in November, as well as public shares. The bank’s new Qing’an housing loan has set off a housing buying boom and is a key reason for the explosion in housing loans from the five major banks.
The central bank announces monthly new mortgage loans from five major banks including Bank of Taiwan, Bank of Taiwan, Heku, First Bank of China and Bank of China. Since their combined market share is about 40% and the amount changes, it is regarded as a sign of the housing market boom.
Statistics from the central bank show that the interest rate of new mortgage loans fell to 2.071% in November, an eight-month low, with a monthly decrease of 0.006 percentage points. Cai Huimei admitted that in addition to the competition in bank mortgage business, which has led to a decline in interest rates, the interest rates of Xinqingan mortgage loans are more favorable. , which is also the main reason for the decline in new mortgage interest rates of the five major banks.
Cai Huimei said that the new mortgage loans of the five major banks in November were 10.788 billion yuan more than in October, and the new Qing’an loans undertaken by these five banks in November were as high as 6.56 billion yuan, accounting for 60.8%; in other words, the five major banks 11 Yuexin undertakes housing loans, and Xinqingan accounts for more than 60%.
Cai Huimei said, “The recent increase in licenses shows that there is a wave of housing transfers in the market, which has led to the growth of household loans.” In addition, Xinqing’an Home Loan, which was launched in August this year, has experienced a boom in loan applications. The loan application conditions are for those who do not have real estate in their names. The public, most of whom are first-time buyers, shows that the recent housing market buying momentum is still concentrated on owner-occupied demand. “This is the relatively healthy demand that we (referring to the central bank) hope to see.”
According to data provided by the central bank, in the first 11 months of this year, the number of buildings, sales and transfers in Liudu fell by 4.72% for several years, indicating that the housing market transactions continued to cool down.
Although housing market transactions have shrunk slightly since the beginning of this year, further observation of the Xinyi House Price Index, which symbolizes the market for second-hand houses, shows that housing prices in the greater Taipei area are still rising slightly. Among them, housing prices in Taipei City increased by 0.32% monthly and 0.37% annually in November, New Taipei City increased by 0.66% monthly and 7.55% annually, and overall housing prices in the Greater Taipei area increased by 0.47% monthly and 3.41% annually.
The new Qing’an housing loan launched by the Ministry of Finance will be launched on August 1, with the one-term interest rate reduced from 2.025% to 1.775%. The undertaking banks are Bank of Taiwan, Land Bank, Cooperative Bank, First Bank, South China Bank, Changhua Bank, and Mega Bank Eight major banks, including the Bank of China and Taiwan Small and Medium Enterprises Bank, limit loan targets to borrowers who do not own their own homes, as well as their spouses and minor children. The loan ratio can be up to 80%, the loan amount can be up to NT$10 million, and the loan term can be up to 40 years. Including grace period of 5 years.
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2023-12-22 22:02:16
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