央行上海总部：上海个人房贷需求回升，融资成本稳中有降

Core Insights - The People's Bank of China Shanghai Headquarters reported a rebound in personal housing loan demand in Shanghai, with financing costs stabilizing and showing a slight decline [1] Financial Overview - As of the end of June, the total loan balance in Shanghai reached 12.85 trillion yuan, reflecting a year-on-year growth of 8.4%, which is 1.6 percentage points higher than the national average [1] - The social financing scale in Shanghai increased year-on-year, with stable growth in total credit and a continuous optimization of the credit structure [1] Loan Growth - Household loan balances grew by 13.7% year-on-year, which is an increase of 8.1 percentage points compared to the same period last year [1] - The demand for personal housing loans has been on the rise since turning positive in October of the previous year [1] - Non-financial enterprise loan balances increased by 5.5% year-on-year [1]