Personal mortgage loans by the six major banks have decreased by about 700 billion yuan.

The annual reports of listed banks show that by the end of 2025, the total personal housing loan balance of the six major banks exceeded 25 trillion yuan, a decrease of about 700 billion yuan compared to the end of the previous year. At the same time, some home buyers are choosing to pay off their home loans early to save on interest, based on their own financial arrangements. On one hand, bank mortgage lending is shrinking and non-performing loan ratios are rising, while on the other hand, home buyers are actively reducing their leverage. Several bank executives have revealed that since the beginning of this year, there has been a sign of recovery in mortgage loan applications, indicating that the market is sending signals of stabilization.