आवासीय कर्जामा ३८ अर्ब ६३ करोड २१ लाख रुपैयाँ लगानी 38 billion 63 crore 21 lakh rupees investment in residential loans
व्यक्तिगत आवासीय कर्जा वृद्धि
- ९ महिना (चालु आर्थिक वर्ष): बैंकहरुले २ करोडसम्मको व्यक्तिगत आवासीय कर्जामा ३८ अर्ब ६३ करोड २१ लाख रुपैयाँ लगानी गरेका छन्।
- गत आर्थिक वर्ष (०७९/८०): व्यक्तिगत आवासीय कर्जामा १० अर्ब ३२ करोड २० लाख रुपैयाँ मात्रै लगानी भएको थियो।
केन्द्रीय बैंकका नीतिहरू
- मौद्रिक नीति: आवासीय कर्जाको सीमा १ करोड ५० लाखबाट २ करोड पुर्याइएको।
- पहिलो त्रैमासिक समीक्षा: ५० लाखमाथिको कर्जाको जोखिमभार घटाएर १२५ प्रतिशत पुर्याइएको।
- तेस्रो त्रैमासिक समीक्षा: आम्दानीको ७० प्रतिशत रकम किस्ता तिर्न सक्ने आधारमा ऋण पाउने व्यवस्था।
ब्याजदर र तरलता अवस्था
- ब्याजदर: अहिले सस्तो ब्याजदरले घर कर्जा लिन चाहनेलाई प्रोत्साहित गर्ने अपेक्षा।
- तरलता अवस्था: बैंक तथा वित्तीय संस्थाहरुमा अधिक तरलता भए पनि कर्जा प्रवाहमा सुस्तता देखिएको।
घरजग्गा कारोबारमा घटोत्तरी
- वैशाख महिना: ४९,७८२ घरजग्गा किनबेच।
- चैत महिना: ५०,२५२ घरजग्गा किनबेच।
केन्द्रीय बैंकका कार्यकारी निर्देशक गुरु पौडेलका अनुसार, कुल धितोमा ६७ प्रतिशत र स्थिर सम्पत्तिको ठूलो हिस्सा ओगटेको घरजग्गा क्षेत्र चलायमान नभए अर्थतन्त्रमा समस्या उत्पन्न भएको छ। यसलाई चलायमान बनाए अर्थतन्त्र पनि चलायमान हुने अपेक्षा रहेको छ।
घरजग्गा क्षेत्रमा कर्जा प्रवाह बढे पनि आक्रमक रुपमा विस्तार भएको छैन, तर यसले अर्थतन्त्रलाई चलायमान बनाउन महत्त्वपूर्ण भूमिका खेल्न सक्छ।
यसरी तथ्यांक र नीतिहरूलाई समेटेर समाचारलाई स्पष्ट र विवरणपूर्ण बनाउन सकिन्छ।
Personal residential loans have significantly increased in the first nine months of the current fiscal year. According to data from the central bank, banks have invested NPR 38.63 billion in personal residential loans up to NPR 20 million in these nine months. In the previous fiscal year 2079/80, only NPR 10.32 billion was disbursed in such loans.
Central Bank Policies
To encourage investment in the real estate sector, the central bank has gradually eased its monetary policy:
- Monetary Policy: The loan limit for residential loans was increased from NPR 15 million to NPR 20 million.
- First Quarter Review: The risk weight for loans above NPR 5 million was reduced to 125%.
- Third Quarter Review: Loans can be obtained with the condition that up to 70% of income can be used for installment payments. This is based on the submission of tax clearance certificates.
Interest Rates and Liquidity
- Interest Rates: The current low-interest rates are expected to encourage those who want to take home loans.
- Liquidity: Despite the banks and financial institutions having high liquidity, there is a slowdown in loan disbursement.
Decline in Real Estate Transactions
- In Baisakh: There were 49,782 real estate transactions across the country.
- In Chaitra: There were 50,252 real estate transactions.
This data shows a decline in real estate transactions from Chaitra to Baisakh. The impact of the monetary policy review in the first week of Jestha is yet to be seen.
Central Bank's Perspective
Gurup Paudel, Executive Director of the central bank, stated that the real estate sector accounts for 67% of total collateral and a large portion of fixed assets. The sluggish real estate sector has created problems in the economy. Making this sector dynamic is expected to revitalize the overall economy.
In summary, while loan disbursement in the real estate sector has increased, it has not expanded aggressively. However, it plays a crucial role in stimulating the economy.
