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家银行首套住宅贷款利率按九五折开始执行
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Topic: 家银行首套住宅贷款利率按九五折开始执行 (Read 247 times)
Lindafgdf
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家银行首套住宅贷款利率按九五折开始执行
May 02, 2017, 03:33:56 PM
#1
北京楼市新政满月,北京晨报记者调查发现北京多家银行的首套住宅贷款利率优惠幅度已经按九五折开始执行,目前多家银行放款速度变慢了。值得一提的是,新优惠利率具体执行的时间节点以购房人的网签时间为准。
网签成执行新利率优惠关键点
在“3·17新政”等一系列北京楼市调控新政出台后,北京多家银行的首套住宅贷款利率开始收紧。据伟嘉安捷统计数据显示,截至今年4月14日,在北京13家银行中,中国银行、工商银行、建设银行、邮政储蓄、北京银行、中信银行、民生银行等12家银行的首套二手住宅贷款利率优惠幅度为九五折;上海浦发银行的首套二手住宅贷款利率没有优惠,按照基准利率执行。
近日,北京晨报记者以购房人身份向工商银行、中国银行等多家银行个贷部门咨询新房贷款情况,得到回复均是“目前首套住宅贷款利率优惠幅度已变为九五折。”伟嘉安捷分析师吴昊对北京晨报记者说,“在‘3·17新政’出台后,北京多家银行开始收紧首套住宅贷款利率优惠幅度,而具体执行的时间节点以购房人的网签时间为准。目前,在北京新房和二手房市场上,之前的九折、八八折、八五折优惠利率已难再见了。”
“现在各家银行对于购房人的资质审核也变得更加严格了。只有购房人具有很好的征信记录,才能成为银行的优质客户,从而获得银行给予九五折优惠。”吴昊说,如果购房人之前有过多次信用卡逾期未还、车贷逾期不还、助学贷款没按期还款等情况,影响了购房人的征信记录,将无法获得银行批准九五折优惠。在实际交易中,不同银行会根据购房人的资质优良情况,在基准利率至九五折上进行浮动。
银行放款速度变慢成常态
与去年同期不同,今年3月多数银行的放款速度比较缓慢。据吴昊介绍说,以商业贷款为例,银行正常放款平均速度为半个月左右,在去年年底时,由于整体楼市政策环境趋紧,银行放款的平均速度在1个月至2个月左右。今年3月,北京楼市政策继续收紧,有的银行的放款速度甚至延长为3个月至4个月。“这一情况在今年第二季度也难以有所改观,北京多家银行放款速度变慢已成为一种常态。”吴昊说。
亚豪机构市场总监郭毅认为,今年,在各地楼市政策收紧的背景下,政府有关部门对于房地产市场的信贷政策也在收紧。具体到北京市场中,多家银行的房屋贷款额度调低,使得这些银行在放款节奏的调配上放慢了速度。由于市场上货币流动性下降,有利于降低资金杠杆使用率,从而抑制投资需求借助资金杠杆炒房,达到稳定市场的效果。
“目前北京多家银行放款速度变慢,将会对北京二手住宅市场中的‘连环单’产生影响。一旦买房人无法按期获得银行放款,就无法向卖房人支付全部房款;卖房人拿不到全部房款,也无法完成自己的买房交易。因此连环单有可能出现一连串违约情况。”中原集团北京顾问中心高级经理靳瑞欣说,在目前信贷政策收紧的情况下,无论是买房人,还是卖房人,都要在完成各自单笔交易后,再签订下一笔房屋买卖合同,以避免签订“连环单”有可能产生的违约风险。
KChristine
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Re: 家银行首套住宅贷款利率按九五折开始执行
May 02, 2017, 03:48:21 PM
#2
可怕
Nano R9
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Re: 家银行首套住宅贷款利率按九五折开始执行
May 02, 2017, 03:50:31 PM
#3
越来越买不起房子了
Koax
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Re: 家银行首套住宅贷款利率按九五折开始执行
May 02, 2017, 11:50:40 PM
#4
。。。。买不起了
Lusiye
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Re: 家银行首套住宅贷款利率按九五折开始执行
May 02, 2017, 11:51:57 PM
#5
我能怎么办?,我也很绝望啊
ooo456
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Merit: 0
Re: 家银行首套住宅贷款利率按九五折开始执行
May 03, 2017, 02:55:34 AM
#6
控制房价
just98
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⇾
Re: 家银行首套住宅贷款利率按九五折开始执行
May 03, 2017, 03:45:56 AM
#7
越来越买不起房子了
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