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南京部分银行取消首套房贷9折优惠
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Topic: 南京部分银行取消首套房贷9折优惠 (Read 157 times)
EngWinston
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南京部分银行取消首套房贷9折优惠
March 23, 2017, 04:25:30 AM
#1
近日,各地密集发布了房地产的调控政策,扬子晚报记者昨天采访了解到,南京地区除了在首付比例方面进行调整之外,近日,部分银行已经悄然上调了首套房的贷款利率折扣,其中有银行表示最低折扣将由原来的9折优惠上调到95折,银行业内人士表示,随着调控的收紧,利率大概率会继续上调,9折优惠或将取消,不排除有更多银行跟进的可能。
实习生金雨濛扬子晚报记者李冲
房贷政策收紧,
部分银行上调首套房贷款折扣优惠
据银行人士透露,从央行3月下发的《关于做好2017年信贷政策工作的意见》看,在住房金融部分,央行要求将住房信贷政策作为调控房地产一揽子政策的组成部分,合理搭配使用最低首付比例、贷款利率优惠幅度和最长贷款年限等住房信贷政策,严格按照相关程序及时对辖区内住房信贷政策做出适度调整,此举在于通过信贷抑制过旺需求。扬子晚报记者了解到,目前,北京已有多家银行取消9折优惠。昨天,扬子晚报记者采访南京市场的信贷情况,发现也有部分银行将最低9折调高为最低95折,甚至有银行取消了房贷利率优惠。
融360监测的数据显示,截至3月22日,建设银行首套房利率折扣上调为95折,多家银行总体折扣在9折水平。扬子晚报记者昨天拨打各银行网点电话了解到,对于首套房房贷折扣利率,目前民生银行已将折扣从9折优惠调整为95折,招商银行工作人员表示,内部有风声显示,首套房贷款利率将从下个月开始执行95折优惠,某全国性股份制银行网点的工作人员表示,将取消折扣优惠,执行基准利率。
扬子晚报记者采访获悉,其余银行暂时未做调整,有银行工作人员表示,总行下达细则后房贷利率会有所上调,尚未明确调整的具体折扣。
各家银行或将陆续跟进,
买房贷款成本将明显升高
银行业内人士告诉扬子晚报记者,从2017年开始,国务院、央行等高层就房地产先后表态,近期已有20余城市密集发布地产调控政策,一线城市甚至开始执行“认房又认贷”的政策,各家银行都收紧了信贷政策,根据目前形势来看,房贷折扣上调或将成为普遍现象,未来不排除各家银行陆续跟进的可能。
此外,也有市场人士对此分析称,此轮银行上调房贷利率除了政策调控因素外,还有市场因素。随着央行逆回购、SLF、MLF和银行间同业存单、理财价格的全面上涨,银行资金成本提高,房贷利率折扣对银行来说不再划算。
对于购房人而言,折扣上调意味着贷款成本增加。以总贷款100万元按揭年数30年为例,当贷款利率为9折时,采取等额本息的还款方式,每月月供为5013.52元,30年累计支付利息80.49万元。同等条件下,当贷款利率为9.5折时,每月月供为5162.36元,30年累计支付利息85.85万元。照此计算,当利率折扣提高后,每月多还148.84元,30年累计多还利息5.36万元。
■相关新闻
南京不动产登记提速
商品房首次转移登记缩减至5个工作日
扬子晚报讯(记者马祚波)南京市不动产登记局昨天发布公告称,自上周起,买房人办理新房的不动产证已经从原先的10个工作日缩减至5个工作日,今年下半年将有望实现立等可取。
记者在官方网站上看到,南京市不动产登记局表示从上周一开始,商品房首次转移登记(即新房交付后买房人申请办理不动产证)由之前的10个工作日提速到5个工作日办结,3月13日受理的首批60个商品房首次转移登记案件,已于3月20日下午全部办结并出件,当晚即以短信形式向全部申请人发送了领证通知。据悉,二手房买卖抵押登记也将于4月上旬实现从原有10个工作日提速到5个工作日办结。
据悉,去年6月份南京实施不动产登记以来,该市不动产登记中心累计发放不动产登记证书13万余本、不动产登记证明7万余份、开具购房证明5万余份、出具一二套房查询结果6万余份。相关人士表示,今年下半年南京有望实现商品房首次转移登记立等可取,二手房买卖登记、抵押登记将缩短到3个工作日左右。同时,南京市不动产登记中心还提醒广大市民,各类案件的办理收费均严格执行物价部门核定、窗口公示的收费标准,不存在额外收取的加快费用,市民若发现有类似违规情况,可拨打监督电话(02589690721)举报,查实后将给予举报人1000元人民币的奖励。
lyhdoh
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Activity: 70
Merit: 10
Re: 南京部分银行取消首套房贷9折优惠
March 23, 2017, 09:03:53 AM
#2
村长已经好几套房了,然而我连个厕所都买不起
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南京部分银行取消首套房贷9折优惠
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