An old friend asked me why property investors made a mistake this time and were not prepared for the fall in the property market. Now they are being called for loans by banks. I said that most property investors have done enough of preparations.Not only are their loan ratios made. comply with financial regulatory standards, The center insists that money be kept for construction repayment, but God’s calculations are not as good as fate The bank lowers property valuation and calls the investor a loan to compensate for the difference, causing the investor to evacuate the money prepared for the repayment of a building If some properties are not sold, there is simply no money to pay for the property This is the reason why the we have seen many property investors selling their properties recently.
The property investors asked the bank that we have always repaid our loans on time and the loan-to-debt ratio was not more than 50% Dian Jie Zhong wanted to call us for a loan. The bank said they did not for calling us They were responding to a request from the Hong Kong Monetary Authority and had no choice but to call us for a loan. Those who call for loans, in other words, the Hong Kong Monetary Authority are at a loss.
Several lawmakers from the business community asked the CEO of the Hong Kong Monetary Authority if he had any concerns about this. Instead of requiring banks to call loans to customers, the CEO issued guidelines requiring banks to not calling loans just because the value of collateral has fallen. , but also to consider changes in the market and The performance of lenders in the past is really inconsistent this time Does the HKMA require banks to call loans from customers? the HKMA goes to banks for inspections, Many times, they will verbally say that some customers are not eligible and require banks to call loans to those customers. Indeed, in the current economic environment , banks also want to call customers for loans, so they half-heartedly fulfill the requirements of the Hong Kong Monetary Authority, even if customers complain. , they can avoid the responsibility to the Hong Kong Monetary Authority. This time the president was shot while lying down, but it is also a good thing. The call loan incident has been clarified. In the future, Hong Kong Monetary Authority front-line employees will find it difficult to verbally request the bank to call the loan from the customer, and the bank will chasing the customer. We also cannot rely on the Hong Kong Monetary Authority.
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