Banks real estate (real estate) in loans have been shut down for days. The liquidity crisis in the financial system to grow in real estate and shares as collateral, margin loans, bankers started to restrict the flow said.
'Share collateral loans is a few week ago is already closed, "Nepal Bangladesh Bank Chief Executive Officer Gyanendra Ganesh said,' Now, realty loans too discouraged to kill." Some week ago was a relatively real estate transactions rate high with such a loan to discourage started, he said. Lack of liquidity ratio after the capital adequacy ratio 9kyapitala edikvisi 0 to a high rate of investment in real estate has been shut down to keep bankers said.
Nepal Rastra Bank rules of nature real estate and margin loan trading, Bank One hundred 50 per cent capital adequacy ratio should be maintained. It means to invest in real estate Bank Rs 15 to Rs capital should. However, the construction of residential home loan bank issuing its own capital by Rs 6 per unit only receives loans. Muddati gold deposits on the basis of purchase or to invest in bank capital loans must not be given.
Other general business and credit flow to productive loans of Rs 10 to Rs capital should. So when the bank capital by Rs 15 per day, even if they realty loans up to Rs At the same pumjile residential home loans up to Rs 2 hundred and 50 days receives a loan. "This bank also reduced the liquidity risk in the Vela market investment bankers have reached those conclusions," said Ganesh.
risky Markets
Share market and real estate speculation market (spekuletibha market) is called. It is taken as the central bank's market risk. Today, prices can rise and fall in tomorrow, today, tomorrow could rise decreased to invest in more volatile market risk of the loan. The bank's capital adequacy ratio on the basis of the same nation and the security assessment should be less than in the country. Even now, while investing in real estate bank loan collateral valuation day receive only 50 per cent. However, 60 percent of residential home loans, credit security is found. Since the interest rate is too high to keep more capital.
74 billion investment
Nepal last November, according to NRB banks and financial institutions increased to 74 billion 17 million 83 thousand dollars of real estate loans have invested. Residential building on banks and financial institutions have invested over Rs one trillion 60 billion. To maintain liquidity in the financial system over the past year, and the real estate business began to slow in recent months, real estate loans ukasina was rising. The sudden absence of banks lending money to real estate, banks started to lend are closed.
The main blaming the lack of money banks
According to bankers, the financial system liquidity (liquidity) shortage of stock market and real estate lending has been closed. Himalayan Bank, Raj Ashok Rana Vela greater liquidity of shares and real estate transactions only priority investment banks said. "Now all the banks capital unheard capital adequacy problem, 'he added,' but, liquidity is low due to speculation in the market will give loans to banks unwilling are. 'Liquidity and increasing these market trend improving living and liquidity have started betting too quickly does happen. Unproductive areas and more likely to be value-added Bankers say not. So goes objected to a liquidity crisis, as real estate prices and decreasing business to tell the county.
Banks move to make a difference?
"First of shares and real estate transactions flow of credit again the banking system returns," Bank of Kathmandu Lumbini Raj Ajay Shrestha said, "Even now, real estate bank increased investment rather than return to begin." This real estate price decline and its turnover is reduced, he said.
About eight years ago, real estate bubbles (bubble) views Vela bank lending was imposed. That price was stable for some time. 'Tyasavelajasto critical situation is not made now, "said a bank official said the nation," but, now also carry out real estate bank loan sustaumcha .'- New Magazine
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