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上海部分银行首套房贷折扣升至9.5折 或有更多银行跟进
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Topic: 上海部分银行首套房贷折扣升至9.5折 或有更多银行跟进 (Read 90 times)
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上海部分银行首套房贷折扣升至9.5折 或有更多银行跟进
May 03, 2017, 11:18:08 AM
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近期,上海部分银行房贷利率由9折上调至9.5折。业内人士认为,后期可能会有更多银行跟进,上海整体的房贷利率水平与全国保持一致收紧趋势。
据劳动报5月1日报道,融360最新监测数据,4月,上海首套房平均利率折扣为9.08折,平均利率为4.45%。在融360监测的30家银行中,最低首套房贷款利率为9折。当月交通银行、招商银行、浦发银行上调最低利率折扣为9.5折。
二套房方面,上海二套房主流首付为5成。二套房贷款利率方面,最高的为新韩银行基准利率上浮30%,其他29家银行均保持基准利率上浮10%。
业内人士表示,过去的半年时间里,上海的首套房贷平均利率始终维持在9折优惠,但在4月下旬,这一平行线突然上扬。多家银行首套房的首付款比例虽然仍是不低于35%,但最低利率已悄然提高到。
招行表示,现在人民银行规定是不能低于9折,每个银行的头寸也都不一样的,招行首套房地最低利率就是95折。从另一家股份制银行了解到,首套房贷利率最低就是基准利率,没有任何折扣,同时放款时间不确定。房贷利率上浮幅度越大,放款也越快。
银行相关人士算了一笔账,假设在上海购买一套总价500万元的一手房,为首套房。除去3.5成的首付后,需向银行申请一笔325万元的商业贷款。如果按照等额本息方式还款,贷款期限为30年。以首套房贷利率9折计算,每月还款额为16293.93元;按照9.5折利率计算,每月需还款16777.68元。
此外,上海银监局日前召开一季度上海中资银行业金融机构监管情况通报会强调,切实防范房地产信贷风险,坚决落实有关房地产调控的各项要求,严格执行个人住房差异化信贷政策,审慎开展与房地产中介的相关业务合作,严禁银行业资金违规流入房地产领域。
央行上海总部最新公布的数据显示,上海个人住房贷款市场的房贷余额增速和增量占比持续回落,今年一季度,上海新增个人住房贷款676亿元,同比少增241.3亿元。其中,3月环比少增4.7亿元,同比少增142.9亿元。
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