Bancos chineses aumentam taxas hipotecárias pela primeira vez em 3 anos
Dados do Barchart revelaram em 19 de dezembro que os bancos chineses aumentaram os novos custos hipotecários pela primeira vez em três anos. Os dados também indicaram que as margens dos bancos chineses estão a diminuir devido a uma crise imobiliária persistente e a um abrandamento da economia chinesa.
Dados da empresa Data Motion International Trading Pte, com sede em Singapura, também revelaram que a taxa média de hipotecas para as primeiras casas dos compradores em 42 grandes cidades subiu para 3,08% no mês passado, ante um mínimo histórico de 3,05% em Outubro. O aumento das taxas hipotecárias continua a ser surpreendente porque o mercado imobiliário ainda se encontra num declínio persistente que começou há três anos.
Os preços do mercado imobiliário chinês continuam a cair, apesar dos recentes sinais de melhorias nas vendas, na sequência de um impulso de estímulo que começou no final de Setembro.
Reguladores chineses orientam os bancos a aumentar as taxas hipotecárias em novos empréstimos
Os bancos chineses aumentam as taxas de hipotecas pela primeira vez em 3 anos pic.twitter.com/NlP5RWX0ot
— Gráfico de barras (@Barchart) 19 de dezembro de 2024
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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