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2022年个人经营贷款对住房贷款形成明显替代效应
2022年个人经营贷款对住房贷款形成明显替代效应
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所属报告:
银行业银行股深度投研专题一:国有大行被显著低估的稳定性溢价-230322(21页).pdf
打包全文图表
相关数据
1999-2025年住房贷款利率情况
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行业数据
2026-05-19
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图表302021年欧洲不同收入家庭持有非住房贷款占比
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行业数据
2026-05-15
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图表312021年欧洲不同收入家庭非住房贷款参与率
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行业数据
2026-05-15
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1999-2025年住房贷款利率情况
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行业数据
2026-04-20
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地产开发贷款、个人住房贷款和M2同比增速(单位:%)
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行业数据
2026-03-24
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2025年,招商银行个人住房贷款抵押率在40%
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行业数据
2026-01-12
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个人住房贷款和房地产开发贷款余额变化(单位:亿元)
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行业数据
2025-12-29
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目前新增个人住房贷款利率高于核心城市二手住宅租金回报率(单位:%)
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行业数据
2025-12-29
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2015-2026年(E)个人住房贷款余额及占住户贷款总额比例
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行业数据
2025-11-21
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新发放个人住房贷款平均利率持平(%)
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行业数据
2025-11-14
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住房贷款年度新增规模(单位:百万元)
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市场规模
2025-11-14
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新发个人住房贷款加权利率水平企稳回升(%)
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行业数据
2025-11-05
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住房商品房销售额与个人住房贷款增量(亿元)
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行业数据
2025-11-05
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重点城市二手住宅租金回报率与全国个人住房贷款加权平均利率对比(单位:%)
<|begin_of_box|>| 时间       | 上海:租金回报率:二手住宅 | 北京:租金回报率:二手住宅 | 深圳:租金回报率:二手住宅 | 中国:金融机构人民币贷款加权平均利率:个人住房贷款 |
|------------|--------------------------|--------------------------|--------------------------|--------------------------------------------------|
| 2008-01    | 3.0                      | 3.2                      | 3.4                      | 5.0                                               |
| 2008-06    | 2.9                      | 3.1                      | 3.3                      | 4.8                                               |
| 2008-11    | 2.8                      | 3.0                      | 3.2                      | 4.5                                               |
| 2009-04    | 2.7                      | 2.9                      | 3.1                      | 4.4                                               |
| 2009-09    | 2.6                      | 2.8                      | 3.0                      | 4.6                                               |
| 2010-02    | 2.5                      | 2.7                      | 2.9                      | 5.0                                               |
| 2010-07    | 2.4                      | 2.6                      | 2.8                      | 5.2                                               |
| 2010-12    | 2.3                      | 2.5                      | 2.7                      | 5.4                                               |
| 2011-05    | 2.2                      | 2.4                      | 2.6                      | 6.1                                               |
| 2011-10    | 2.1                      | 2.3                      | 2.5                      | 7.0                                               |
| 2012-03    | 2.2                      | 2.4                      | 2.6                      | 7.6                                               |
| 2012-08    | 2.3                      | 2.5                      | 2.7                      | 6.4                                               |
| 2013-01    | 2.2                      | 2.4                      | 2.6                      | 6.3                                               |
| 2013-06    | 2.1                      | 2.3                      | 2.5                      | 6.2                                               |
| 2013-11    | 2.0                      | 2.2                      | 2.4                      | 6.1                                               |
| 2014-04    | 2.1                      | 2.3                      | 2.5                      | 6.8                                               |
| 2014-09    | 2.2                      | 2.4                      | 2.6                      | 7.0                                               |
| 2015-02    | 2.1                      | 2.3                      | 2.5                      | 6.5                                               |
| 2015-07    | 2.0                      | 2.2                      | 2.4                      | 5.9                                               |
| 2015-12    | 1.9                      | 2.1                      | 2.3                      | 5.2                                               |
| 2016-05    | 1.8                      | 2.0                      | 2.2                      | 4.8                                               |
| 2016-10    | 1.7                      | 1.9                      | 2.1                      | 4.6                                               |
| 2017-03    | 1.7                      | 1.9                      | 2.1                      | 4.5                                               |
| 2017-08    | 1.7                      | 1.9                      | 2.1                      | 4.9                                               |
| 2018-01    | 1.7                      | 1.9                      | 2.1                      | 5.4                                               |
| 2018-06    | 1.7                      | 1.9                      | 2.1                      | 5.7                                               |
| 2018-11    | 1.7                      | 1.9                      | 2.1                      | 5.8                                               |
| 2019-04    | 1.7                      | 1.9                      | 2.1                      | 5.8                                               |
| 2019-09    | 1.7                      | 1.9                      | 2.1                      | 5.7                                               |
| 2020-02    | 1.6                      | 1.8                      | 2.0                      | 5.6                                               |
| 2020-07    | 1.6                      | 1.8                      | 2.0                      | 5.5                                               |
| 2020-12    | 1.6                      | 1.8                      | 2.0                      | 5.4                                               |
| 2021-05    | 1.7                      | 1.9                      | 2.1                      | 5.5                                               |
| 2021-10    | 1.7                      | 1.9                      | 2.1                      | 5.6                                               |
| 2022-03    | 1.7                      | 1.9                      | 2.1                      | 5.0                                               |
| 2022-08    | 1.8                      | 2.0                      | 2.2                      | 4.5                                               |
| 2023-01    | 1.8                      | 2.0                      | 2.2                      | 4.3                                               |
| 2023-06    | 1.8                      | 2.0                      | 2.2                      | 4.2                                               |
| 2023-11    | 1.8                      | 2.0                      | 2.2                      | 4.1                                               |
| 2024-04    | 1.8                      | 2.0                      | 2.2                      | 3.9                                               |
| 2024-09    | 1.8                      | 2.0                      | 2.2                      | 3.7                                               |
| 2025-02    | 1.9                      | 2.1                      | 2.3                      | 3.4                                               |
| 2025-07    | 1.9                      | 2.1                      | 2.3                      | 3.2                                               |

资料来源：万得，方正证券研究所<|end_of_box|>
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行业数据
2025-09-29
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个人住房贷款余额和个人住房贷款加权平均利率(单位:亿元,%)
fCDml7bpl7QgICAgICAgfCDkuKrkurrkvY/miL/otLfmrL7kvZnpop3vvIjkur/lhYPvvIkgfCDkuKrkurrkvY/miL/otLfmrL7liqDmnYPlubPlnYfliKnnjofvvIgl77yJIHwKfC0tLS0tLS0tLS0tLXwtLS0tLS0tLS0tLS0tLS0tLS0tLS0tLS0tLXwtLS0tLS0tLS0tLS0tLS0tLS0tLS0tLS0tLS0tLS0tLXwKfCAyMDIyLTAzICAgIHwgMzg3ODAwICAgICAgICAgICAgICAgICAgIHwgNS40MCAgICAgICAgICAgICAgICAgICAgICAgICAgIHwKfCAyMDIyLTA2ICAgIHwgMzg5MDAwICAgICAgICAgICAgICAgICAgIHwgNC44NSAgICAgICAgICAgICAgICAgICAgICAgICAgIHwKfCAyMDIyLTA5ICAgIHwgMzg5MDAwICAgICAgICAgICAgICAgICAgIHwgNC43NSAgICAgICAgICAgICAgICAgICAgICAgICAgIHwKfCAyMDIyLTEyICAgIHwgMzg4MDAwICAgICAgICAgICAgICAgICAgIHwgNC43MCAgICAgICAgICAgICAgICAgICAgICAgICAgIHwKfCAyMDIzLTAzICAgIHwgMzg5MDAwICAgICAgICAgICAgICAgICAgIHwgNC42NSAgICAgICAgICAgICAgICAgICAgICAgICAgIHwKfCAyMDIzLTA2ICAgIHwgMzg2MDAwICAgICAgICAgICAgICAgICAgIHwgNC42MCAgICAgICAgICAgICAgICAgICAgICAgICAgIHwKfCAyMDIzLTA5ICAgIHwgMzg0MDAwICAgICAgICAgICAgICAgICAgIHwgNC41NSAgICAgICAgICAgICAgICAgICAgICAgICAgIHwKfCAyMDIzLTEyICAgIHwgMzgyMDAwICAgICAgICAgICAgICAgICAgIHwgNC41MCAgICAgICAgICAgICAgICAgICAgICAgICAgIHwKfCAyMDI0LTAzICAgIHwgMzgyMDAwICAgICAgICAgICAgICAgICAgIHwgNC4zNSAgICAgICAgICAgICAgICAgICAgICAgICAgIHwKfCAyMDI0LTA2ICAgIHwgMzc4MDAwICAgICAgICAgICAgICAgICAgIHwgNC4xNSAgICAgICAgICAgICAgICAgICAgICAgICAgIHwKfCAyMDI0LTA5ICAgIHwgMzc2MDAwICAgICAgICAgICAgICAgICAgIHwgMy45NSAgICAgICAgICAgICAgICAgICAgICAgICAgIHwKfCAyMDI0LTEyICAgIHwgMzc3MDAwICAgICAgICAgICAgICAgICAgIHwgMy4yNSAgICAgICAgICAgICAgICAgICAgICAgICAgIHwKfCAyMDI1LTAzICAgIHwgMzc5MDAwICAgICAgICAgICAgICAgICAgIHwgMy4zMCAgICAgICAgICAgICAgICAgICAgICAgICAgIHwKfCAyMDI1LTA2ICAgIHwgMzc3MDAwICAgICAgICAgICAgICAgICAgIHwgMy4yNSAgICAgICAgICAgICAgICAgICAgICAgICAgIHwKCui1hOaWmeadpea6kO+8muS4h+W+l++8jOaWueato+ivgeWIuOeglOeptuaJgA==
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2025-09-29
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