多家股份行城商行前三季发力个人房贷，增幅最高超20%！全行业仍在“退潮”

Core Viewpoint - The latest personal mortgage situation shows a significant growth in personal housing loans among several listed banks, contrasting with the decline observed in the six major state-owned banks, indicating a shift in the mortgage market dynamics [1][5][6]. Group 1: Personal Mortgage Growth in Listed Banks - Nearly ten listed banks, including Minsheng Bank, Ping An Bank, and others, reported a clear increase in personal housing loans by the end of Q3 compared to the beginning of the year [1][2]. - Specific banks like Ping An Bank reported a personal loan balance of 1.729 trillion yuan, with mortgage loans increasing by 8.1% year-on-year [2]. - Minsheng Bank's mortgage loan balance reached 574.90 billion yuan, with a year-to-date increase of 24.23% in mortgage loan issuance [2][3]. Group 2: Performance of State-Owned Banks - The six major state-owned banks saw a reduction of over 100 billion yuan in personal mortgage loans in the first half of the year, continuing a downward trend for three consecutive years [1][5]. - By the end of Q3, the total personal housing loan balance for these banks was approximately 25.086 trillion yuan, reflecting a decrease of 1.078 billion yuan compared to the beginning of the year [5][6]. - The overall growth rate of personal loans among state-owned banks has been declining, with some banks reporting negative growth [5][6]. Group 3: Market Dynamics and Future Outlook - The demand for housing loans remains strong in certain regions, prompting banks to increase mortgage lending to meet their annual credit targets [4]. - Despite the growth in personal housing loans from listed banks, the overall market is still experiencing a decline due to the significant contraction from state-owned banks [6]. - The central bank's data indicates that by the end of Q3 2025, the total personal housing loan balance was 37.44 trillion yuan, down 0.3% year-on-year, highlighting the ongoing challenges in the mortgage market [6].