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一线城市房贷利率上调 深圳个别银行首套房贷1.1倍
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Topic: 一线城市房贷利率上调 深圳个别银行首套房贷1.1倍 (Read 112 times)
Beverver
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一线城市房贷利率上调 深圳个别银行首套房贷1.1倍
May 15, 2017, 04:36:16 PM
#1
在MPA监管加强和金融去杠杆背景下,上市银行规模扩张速度明显放缓。
刚刚披露完的2017年一季报显示,25家上市银行实现净利润3841.23亿元,较2016年同期增加103.93亿元,同比增长2.78%。其中国有银行同比增长1.67%,股份制银行同比增长4.68%,城商行同比增长9.11%,农商行同比增长7.83%。
值得注意的是,2016年银行年报显示,四大行的新增个人住房贷款占全年新增贷款比例均超过六成。全部金融机构个人购房贷款增加4.96万亿元,占去年新增贷款39.21%。
随着2017年资金成本上升,房贷的这种辉煌将成为历史,其对于银行股短期基本面影响隐现。
摸底银行房贷调整
21世纪经济报道记者采访了解到,一线城市房贷利率上调已经普遍启动。
5月6日起,广州四大行首套房贷款利率由9折上调至基准利率,二套房保持1.1倍。五一假期过后,北京多家银行首套房利率由9.5折上调至基准,二套房上调到1.2倍;同样在五一过后,上海多家银行将首套房贷利率进行上调,从原先行业统一的9折,上调到9.5折甚至基准。但四大行仍执行首套房贷款9折利率,二套房贷无变化。而目前深圳的四大行首套房贷也仍执行9折优惠,但是4月以来,深圳部分银行已将首套房贷利率从9折上调到9.5折,到五一假期以后,深圳出现个别银行执行首套房贷1.1倍利率。
在房贷利率上升时,相应的,一线城市楼市正在降温。以最新调整房贷利率的广州为例,一位广州二手房地产中介告诉记者:“五一期间,看楼的人比3·17新政前少了很多,房价上涨也放缓了。"
5月2日是五一后的第一个工作日,广州某国有大行客户经理罗泽(化名)告诉记者,“我们行的房贷额度很紧张,我们每天早上都要去抢额度,比如一天放出2000万,抢完了当天额度就没有了,要等第二天再去抢。”
即使是抢额度,据该行的一位信贷部经理张丽(化名)告诉记者,每月里有额度的时间也很有限。比如,该行“刚刚过去的4月份,当月额度在第一周就用完了”。而据其介绍,另一家国有大行更夸张,4月份,“1号、2号就没有额度了。根据记者了解,其它一线城市情况类似,北京房贷额度也不宽松,部分银行因额度紧张暂缓房贷。北京某股份制银行的一位个贷部经理就表示,其因房贷额度少,已由房贷业务转做信用卡业务。
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