The China Mortgage/Loan Brokers Market report segments the industry into By Type Of Mortgage Loan (Conventional Mortgage Loan, Jumbo Loans, Government-Insured Mortgage Loans, Other Type Of Mortgage Loans), By Mortgage Loan Terms (30- Years Mortgage, 20-Year Mortgage, 15-Year Mortgage, Other Mortgage Loan Terms), By Interest Rate (Fixed-Rate, Adjustable-Rate), and By Provider (Primary Mortgage Lender, Secondary Mortgage Lender).

China Consumer Loan: Residential Housing Mortgage Loan data was reported at 25,750.000 RMB bn in 2018. This records an increase from the previous number of 21,860.500 RMB bn for 2017. China Consumer Loan: Residential Housing Mortgage Loan data is updated yearly, averaging 2,473.416 RMB bn from Dec 1997 (Median) to 2018, with 20 observations. The data reached an all-time high of 25,750.000 RMB bn in 2018 and a record low of 13.100 RMB bn in 1997. China Consumer Loan: Residential Housing Mortgage Loan data remains active status in CEIC and is reported by The People's Bank of China. The data is categorized under China Premium Database’s Money and Banking – Table CN.KB: Loan: Consumer Loan.

In 2024, the value of personal housing loans in China amounted to ************** yuan, representing a slight drop of *** percent compared to the previous year. The overall value of outstanding mortgages more than doubled between 2016 and 2021 before it plateaued afterwards. A key factor to the growth of the real estate market China's personal housing loan market emerged in the 1990s in tandem with the marketization of the country's real estate sector. Its subsequent expansion also mirrored the growth in the property industry. Thanks to the dramatic rise in home prices across China since the early 2000s, substantial capital has poured into the market through real estate development loans and personal housing credits. For almost two decades, many Chinese middle class citizens accumulated their personal wealth through the considerable appreciation of their properties, which they financed with the help of mortgages. Risks The persistently high level of outstanding personal mortgage is becoming increasingly concerning amidst China’s current economic and market situation. With the country’s economic slowdown and the oversupply in the property sector, the housing market is losing steam, resulting in elevated risks of bad debts to financial institutions. At the same time, the household debt in China is now staying above ** percent of the country’s GDP, undermining the ability to consume and invest in the Chinese population.

The China Home Mortgage Finance Market Report is Segmented by Loan Purpose (Purchase, Home Improvement/Renovation, Loan Against Property, Others), Provider (Banks, Housing Finance Companies, Others), Interest Rates (Fixed, Floating), and Loan Tenure (≤10 Years, 11-20 Years, More Than 20 Years). The Market Forecasts are Provided in Terms of Value (USD).

Discover the booming China mortgage/loan broker market! With a $33.9B market size in 2025 and a 12.56% CAGR, this report analyzes market drivers, trends, and key players like Bank of China and Sumitomo Mitsui Financial Group. Learn about growth opportunities and challenges in this dynamic sector. Key drivers for this market are: Surge in China household Wealth, Increasing Penetration rate among investors. Potential restraints include: Surge in China household Wealth, Increasing Penetration rate among investors. Notable trends are: Change in Monetary factors affecting China Mortgage/Loan Brokers market..

China Loan: Real Estate Housing Mortgage: Individual: Residential data was reported at 38,000.000 RMB bn in Mar 2025. This records an increase from the previous number of 37,680.000 RMB bn for Dec 2024. China Loan: Real Estate Housing Mortgage: Individual: Residential data is updated quarterly, averaging 22,448.582 RMB bn from Dec 2007 (Median) to Mar 2025, with 58 observations. The data reached an all-time high of 38,940.000 RMB bn in Mar 2023 and a record low of 2,696.833 RMB bn in Dec 2007. China Loan: Real Estate Housing Mortgage: Individual: Residential data remains active status in CEIC and is reported by The People's Bank of China. The data is categorized under China Premium Database’s Money and Banking – Table CN.KB: Loan: Real Estate Related Loan.

Discover the booming China home mortgage finance market! Our in-depth analysis reveals key trends, growth projections (2025-2033), and regional insights. Learn about regulatory impacts and future market opportunities. Recent developments include: October 2022: HSBC expands China's private banking network and launches in two new cities., September 2022: China Construction Bank Corp., one of the country's four largest state-owned lenders, will set up a 30-billion-yuan (USD 4.2 billion) fund to buy properties from developers. The move comes even as policymakers take steps to contain a real estate crisis weighing on the economy.. Notable trends are: Favorable Mortgage Rates is Expected to Drive the Market.

As of the end of 2019, the value of outstanding mortgages of China Construction Bank amounted to *** trillion yuan which accounted for over ** percent of all outstanding mortgages in the country. In China, commercial banks and house provident funds (HPF) provide mortgage loans. The leading six banks accounted for around ** percent of all residential mortgages.

Lower Limit of First Home Mortgage Rate: above LPR: Beijing data was reported at -0.450 % Point in 02 Dec 2025. This stayed constant from the previous number of -0.450 % Point for 01 Dec 2025. Lower Limit of First Home Mortgage Rate: above LPR: Beijing data is updated daily, averaging 0.550 % Point from Oct 2019 (Median) to 02 Dec 2025, with 2248 observations. The data reached an all-time high of 0.550 % Point in 25 Jun 2024 and a record low of -0.450 % Point in 02 Dec 2025. Lower Limit of First Home Mortgage Rate: above LPR: Beijing data remains active status in CEIC and is reported by The People's Bank of China. The data is categorized under China Premium Database’s Money Market, Interest Rate, Yield and Exchange Rate – Table CN.MA: Lower Limit of First Home Mortgage Rate: Prefecture Level City. After adjustment on December 15, 2023: the lower limits of the first and second sets of interest rate policies in the six districts of the city are respectively no less than the market quoted interest rate for loans of the corresponding period plus 10 basis points, and no less than the market quoted interest rate for loans of the corresponding period plus 60 basis points; The lower limits of the first and second sets of interest rate policies in the six non-urban districts are not lower than the market quoted interest rate for loans of the corresponding period, and not lower than the market quoted interest rate for loans of the corresponding period plus 55 basis points.

Discover the booming China home mortgage finance market, projected to reach $11 trillion by 2033. Analyze market size, CAGR, and regional trends in this comprehensive report. Explore challenges and opportunities in this dynamic sector. Notable trends are: Favorable Mortgage Rates is Expected to Drive the Market.

China Loan: Real Estate Housing Mortgage: Individual data was reported at 19,140.000 RMB bn in Dec 2016. This records an increase from the previous number of 17,930.000 RMB bn for Sep 2016. China Loan: Real Estate Housing Mortgage: Individual data is updated quarterly, averaging 9,266.915 RMB bn from Dec 2008 (Median) to Dec 2016, with 28 observations. The data reached an all-time high of 19,140.000 RMB bn in Dec 2016 and a record low of 3,326.345 RMB bn in Dec 2008. China Loan: Real Estate Housing Mortgage: Individual data remains active status in CEIC and is reported by The People's Bank of China. The data is categorized under China Premium Database’s Money and Banking – Table CN.KB: Loan: By Industry.

China Mortgage/Loan Brokers Market Analysis The China Mortgage/Loan Brokers Market is poised for significant growth, driven by the robust demand for mortgages and loans. The market was valued at 33.90 million in 2025, and is projected to reach a value of XX million by 2033, registering a CAGR of 12.56% during the forecast period 2025-2033. The market's expansion is attributed to factors such as increasing urbanization, rising disposable income, and government initiatives to promote homeownership. Key drivers of the market include the growing number of first-time homebuyers, favorable interest rates, and increased access to credit. The market is segmented based on type of mortgage loan, mortgage loan terms, interest rate, and provider. The conventional mortgage loan segment holds the largest market share, while the 30-year mortgage loan terms segment is most popular. The fixed-rate interest rate segment is expected to witness significant growth during the forecast period, due to the stability and predictability it offers. Major players in the market include Bank of China, Bank of Japan, and Suruga Bank. The market faces challenges such as regulatory headwinds and competition from banks and financial institutions. However, the increasing adoption of technology and emerging trends such as online lending are expected to provide growth opportunities in the future. Recent developments include: In September 2023, the Agricultural Bank of China (ABC), one of the four major state-owned banks in the country, launched a global matchmaking platform during the Belt and Road Agricultural Cooperation and Development Forum in Beijing., In June 2023, HSBC Bank (China) Company Limited acquired Citi’s retail wealth management portfolio in mainland China.. Key drivers for this market are: Surge in China household Wealth, Increasing Penetration rate among investors. Potential restraints include: Surge in China household Wealth, Increasing Penetration rate among investors. Notable trends are: Change in Monetary factors affecting China Mortgage/Loan Brokers market..

As of mid-November 2020, the average interest rate for a personal housing loan in Chengdu was **** percent which was the highest interest rate in the country. Compared to that, the lowest interest rate was in Shanghai with **** percent. On a national average, the interest rate was **** percent for purchasing a first house and **** for purchasing a second one.

The China Home Loan Market Report is Segmented by Loan Purpose (Purchase, Home Improvement/Renovation, and Others), Provider (Banks, Housing Finance Companies, and Others), Interest Rates (Fixed Interest Rates, Floating Interest Rates), and Loan Tenure (Less Than or Equal To 10 Years, 11 – 20 Years, and Longer Than 20 Years). The Market Forecasts are Provided in Terms of Value (USD).

The China home loan market, a significant driver of the nation's real estate sector, exhibits robust growth potential. With a market size exceeding [Estimate based on available data – e.g., ¥5 trillion in 2025] and a Compound Annual Growth Rate (CAGR) exceeding 6%, the market is projected to reach [Estimate based on CAGR and 2025 value – e.g., ¥7.5 trillion] by 2033. This expansion is fueled by several key drivers, including a burgeoning middle class with increasing disposable income, supportive government policies aimed at boosting homeownership, and ongoing urbanization driving demand for housing in rapidly developing cities. Key market segments include home purchases, which dominate market share, followed by refinancing and home improvements. The end-user segment is largely driven by employed individuals and professionals, indicating a strong correlation between economic stability and home loan demand. Tenure-based segmentation reveals a diverse market, with significant representation across all tenure groups, highlighting the longevity and stability of the home loan market within China. However, the market faces potential restraints including government regulations aimed at curbing excessive borrowing, fluctuating interest rates, and concerns regarding potential housing bubbles in certain regions. The competitive landscape is dominated by major state-owned banks such as ICBC, Bank of China, and China Construction Bank, showcasing the significant role of these institutions in facilitating home loans. However, the presence of private and smaller banks demonstrates a degree of competition and market diversification. Future growth hinges on sustained economic growth, effective government policies, and responsible lending practices to mitigate risks and ensure market stability. Understanding these dynamics is crucial for businesses operating within this sector and for investors seeking exposure to this high-growth market. Further detailed analysis of regional variations within China is required for a comprehensive understanding of localized market opportunities and challenges. This includes identifying pockets of high growth and understanding the specific factors driving demand in various provinces and municipalities. Recent developments include: March 2023: ICBC implemented a set of policies and subsequent actions to stabilize the economy; promptly issued specific measures to stabilize growth; implemented forward-looking, accurate, and appropriate measures to emphasize its core responsibility and core business; and led and supported real economy growth through financial services., October 2022: China Everbright Limited's (Stock code: 165. HK) CEL-Catalyst China-Israel Fund is pleased to announce that its portfolio company SatixFy successfully listed on NYSE American on 28th October 2022 with the symbol 'SATX', via a merger with Endurance Acquisition Corp. (NASDAQ: EDNC), a publicly traded special purpose acquisition company, or SPAC.. Key drivers for this market are: Real Estate Market Trends, Government Policies. Potential restraints include: Real Estate Market Trends, Government Policies. Notable trends are: Impact of Increasing Household Consumption on Home Loan Market in China.

The benchmark interest rate in China was last recorded at 3 percent. This dataset provides the latest reported value for - China Interest Rate - plus previous releases, historical high and low, short-term forecast and long-term prediction, economic calendar, survey consensus and news.

Macau SAR (China) Mortgage Loan: Number of Transaction: PT: MOP 999,999 and below data was reported at 45.000 Unit in Dec 2023. This records an increase from the previous number of 25.000 Unit for Sep 2023. Macau SAR (China) Mortgage Loan: Number of Transaction: PT: MOP 999,999 and below data is updated quarterly, averaging 193.000 Unit from Mar 2011 (Median) to Dec 2023, with 52 observations. The data reached an all-time high of 878.000 Unit in Dec 2020 and a record low of 25.000 Unit in Sep 2023. Macau SAR (China) Mortgage Loan: Number of Transaction: PT: MOP 999,999 and below data remains active status in CEIC and is reported by Statistics and Census Service. The data is categorized under Global Database’s Macau SAR (China) – Table MO.KB005: Mortgage Loan.

In the third quarter of 2023, the value of real estate housing mortgages in China was over ** trillion yuan. Within two years, the value had increased by around *** trillion yuan. Despite being aware of the risks entailed in an inflated market, Chinese policymakers found it difficult to reign in the real estate market. The industry made up a large share of China's economy.

The value of mortgages in China increased by ** percent in 2021. This was significantly lower than in 2018 when housing loans increased by ** percent. The overall mortgage balance in China amounted to ** trillion yuan.

In 2021, Chinese banks issued **** trillion yuan in new mortgages to Chinese home buyers. In the same year, the total value of mortgages in China reached ** trillion yuan.