【去年4家国有大行个人住房贷款余额下降 7家股份制银行余额增长】2024年“提前还房贷”现象犹在。根据已披露的15家大中型银行2024年年报发现,作为按揭贷款发放主力军,国有六大行中的4家(工农中建)个人住房贷款余额减少,且降幅高于2023年;9家全国性股份制银行(招行、兴业、中信、民生、浦发、光大、平安、浙商、渤海)中,2家减少,7家增长。资产质量上,在披露相关数据的13家大中型银行中,2024年,12家银行个人住房贷款不良率上升,仅1家下降。

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2024年“提前还房贷”现象犹在。根据已披露的15家大中型银行2024年年报发现,作为按揭贷款发放主力军,国有六大行中的4家(工农中建)个人住房贷款余额减少,且降幅高于2023年;9家全国性股份制银行(招行、兴业、中信、民生、浦发、光大、平安、浙商、渤海)中,2家减少,7家增长。资产质量上,在披露相关数据的13家大中型银行中,2024年,12家银行个人住房贷款不良率上升,仅1家下降。

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