Personal mortgage loans from the six major banks shrank by more than 500 billion last year

According to the "2023 Financial Institutions Loan Investment Statistical Report" released by the central bank, the scale of personal mortgage loans of the six major banks "shrunk" significantly last year, with the total amount falling by more than 500 billion yuan. Among them, Industrial and Commercial Bank of China decreased by more than 80 billion yuan, China Construction Bank decreased by approximately 70 billion yuan, and Bank of China decreased by approximately 60 billion yuan.

The scale of personal mortgage loans has shrunk significantly

In addition, China CITIC Bank increased by more than 27 billion yuan year-on-year, Ping An increased by approximately 19 billion yuan, and Hengfeng Bank increased by approximately 11 billion yuan. These data show that there are obvious differences in the performance of major banks in the field of personal mortgage loans.

Growth of major banks

From the data point of view, CITIC Bank has the most significant growth rate, surpassing other banks. Although the growth rate of Ping An and Hengfeng Bank was smaller, they also maintained a stable growth trend.

central bank statistical report

Overall, the "Statistical Report on Loan Investment by Financial Institutions in 2023" released by the central bank shows that the overall scale of personal mortgage loans will show a downward trend at the end of 2023. This data reflects the current changes in the real estate market and financial institutions' risk control.

in conclusion

Based on the above data analysis, it can be seen that there are large differences in the performance of the six major banks in the field of personal mortgage loans. Each bank should adjust its own mortgage policies according to market changes and risk conditions to cope with the changing environment.