Bitcoin Forum
September 14, 2024, 12:24:41 AM
Welcome,
Guest
. Please
login
or
register
.
News
: Latest Bitcoin Core release:
27.1
[
Torrent
]
Home
Help
Search
Login
Register
More
Bitcoin Forum
>
Local
>
中文 (Chinese)
>
离题万里
>
广州四大行上调房贷利率
Pages: [
1
]
« previous topic
next topic »
Print
Author
Topic: 广州四大行上调房贷利率 (Read 100 times)
linlin69708
(OP)
Member
Offline
Activity: 140
Merit: 12
⇾
广州四大行上调房贷利率
February 01, 2018, 03:43:21 AM
#1
2月1日起,广州四大行将上调房贷利率,首套房贷利率从最低基准上浮5%调至最低上浮10%,二套房贷维持上浮15%不变。业内人士指出,短期内还将有更多银行跟进。
广州日报全媒体记者 林晓丽
昨日,记者向“工农中建”求证确认,广州四大行将在2月1日起上调首套房贷利率至上浮10%,二套房贷利率暂无变化,维持上浮15%。
首套房贷上浮10%将成主流
随后,记者向广州农行、建行求证确认,今起首套房贷利率上调。
建行还表示,在1月31日24点前将客户资料录入个贷系统的,房贷利率按原利率执行,在2月1日零点后录入的,房贷利率按新利率执行。
据融360最新发布的监测数据显示,2017年12月,仅有1家银行执行基准利率,执行基准利率上浮5%和10%的银行分别为11家和7家,上浮15%的银行有2家,上浮20%的银行有1家。其中,四大行均是执行首套上浮5%。
二套房贷款平均利率为5.55%,11家银行执行基准利率上浮10%,1家银行执行基准利率上浮11%,7家银行执行基准利率上浮15%,4家银行执行基准利率上浮20%。
记者算了一笔账,贷款200万元,贷款年限30年,还款方式等额本息,从上浮5%调至上浮10%以后,每月多还297.61元,而30年则需要多还款超过10万元。
前述业内人士指出,按照以往做法,未来将有更多银行跟进大行上调首套房贷利率,上浮10%将很快成为广州首套房贷的主流利率。
此前,融360的分析师李唯一预测新的一年里房贷利率整体基调仍为稳中偏紧,预计2018年房贷利率继续上涨的可能性较大。
贷款利率呈上行趋势
记者采访时发现,除去房贷利率继续上浮的可能,目前广州地区的房贷额度也难言宽松。有资深银行人士表示,除了少数银行额度相对充足,大部分银行的额度依然紧张。
有业内人士也表示,从去年银行对于住房政策发展方向来看,包括工行、交行等都选择在广州地区布局住房租赁,估计年内银行会从对房企的授信更多地拓展至个人住房的个性化服务,提醒有住房金融服务需求的市民不妨关注。
实际上,除了房贷,目前银行贷款定价均出现上调。
广东某国有行相关负责人告诉记者,今年无论是个人贷款利率还是对公贷款的定价都有所上调。如该行去年推出的快贷类产品,去年还可以做到近3.8%的贷款利率,而今年已大幅上调至4.6%左右,同时总体规模也有所收紧。
市场人士普遍认为,2018年信贷供给相对紧张。国信证券首席银行业分析师王剑预计,今年银行传统的一般贷款供给约为15.7万亿元,较2017年少2.28万亿元。
王剑表示,“站在银行的角度,会把有限的额度投放到效益最高的领域中去,在风险可控的前提下,尽可能提高资产运用的综合收益率,信贷利率料将继续上行。”
snowlei52189
Jr. Member
Offline
Activity: 154
Merit: 2
Re: 广州四大行上调房贷利率
February 01, 2018, 04:05:30 AM
#2
利率上调了
Pages: [
1
]
Print
Bitcoin Forum
>
Local
>
中文 (Chinese)
>
离题万里
>
广州四大行上调房贷利率
« previous topic
next topic »
Jump to:
Please select a destination:
-----------------------------
Bitcoin
-----------------------------
=> Bitcoin Discussion
===> Legal
===> Press
===> Meetups
===> Important Announcements
=> Development & Technical Discussion
===> Wallet software
=====> Electrum
=====> Bitcoin Wallet for Android
=====> BitcoinJ
=====> Armory
=====> Mycelium
=====> Hardware wallets
=> Mining
===> Mining support
===> Pools
===> Mining software (miners)
===> Hardware
=====> Group buys
===> Mining speculation
=> Bitcoin Technical Support
=> Project Development
-----------------------------
Economy
-----------------------------
=> Economics
===> Speculation
=> Marketplace
===> Goods
=====> Computer hardware
=====> Digital goods
=======> Invites & Accounts
=====> Collectibles
===> Services
===> Currency exchange
===> Gambling
=====> Games and rounds
=====> Investor-based games
=====> Gambling discussion
===> Lending
=====> Long-term offers
===> Securities
===> Auctions
===> Service Announcements
=====> Micro Earnings
===> Service Discussion
=====> Web Wallets
=====> Exchanges
=> Trading Discussion
===> Scam Accusations
===> Reputation
-----------------------------
Other
-----------------------------
=> Meta
===> New forum software
===> Bitcoin Wiki
=> Politics & Society
=> Beginners & Help
=> Off-topic
=> Serious discussion
===> Ivory Tower
=> Archival
===> Корзина
===> CPU/GPU Bitcoin mining hardware
===> Chinese students
===> Obsolete (buying)
===> Obsolete (selling)
===> MultiBit
-----------------------------
Alternate cryptocurrencies
-----------------------------
=> Altcoin Discussion
=> Announcements (Altcoins)
===> Tokens (Altcoins)
=> Mining (Altcoins)
===> Pools (Altcoins)
=> Marketplace (Altcoins)
===> Service Announcements (Altcoins)
===> Service Discussion (Altcoins)
===> Bounties (Altcoins)
=> Speculation (Altcoins)
-----------------------------
Local
-----------------------------
=> العربية (Arabic)
===> العملات البديلة (Altcoins)
=====> النقاشات
===> إستفسارات و أسئلة المبتدئين
===> التعدين
===> النقاشات الأخرى
===> منصات التبادل
=> Bahasa Indonesia (Indonesian)
===> Marketplace (Bahasa Indonesia)
===> Mining (Bahasa Indonesia)
===> Altcoins (Bahasa Indonesia)
===> Trading dan Spekulasi
===> Ekonomi, Politik, dan Budaya
===> Topik Lainnya
=> Español (Spanish)
===> Mercado y Economía
=====> Servicios
=====> Trading y especulación
===> Hardware y Minería
===> Esquina Libre
===> Mercadillo
=====> Mexico
=====> Argentina
=====> España
=====> Centroamerica y Caribe
===> Primeros pasos y ayuda
===> Altcoins (criptomonedas alternativas)
=====> Minería de altcoins
=====> Servicios
=====> Tokens (Español)
=> 中文 (Chinese)
===> 跳蚤市场
===> 山寨币
===> 媒体
===> 挖矿
===> 离题万里
=> Hrvatski (Croatian)
===> Trgovina
===> Altcoins (Hrvatski)
=====> Announcements (Hrvatski)
===> Off-topic (Hrvatski)
=> Deutsch (German)
===> Anfänger und Hilfe
===> Mining (Deutsch)
===> Trading und Spekulation
===> Projektentwicklung
===> Off-Topic (Deutsch)
===> Treffen
===> Presse
===> Altcoins (Deutsch)
=====> Announcements (Deutsch)
===> Marktplatz
=====> Auktionen
=====> Suche
=====> Biete
=> Ελληνικά (Greek)
===> Αγορά
===> Mining Discussion (Ελληνικά)
===> Altcoins (Ελληνικά)
=====> Altcoin Announcements (Ελληνικά)
=====> Altcoin Mining (Ελληνικά)
=> עברית (Hebrew)
=> Français
===> Actualité et News
===> Débutants
===> Discussions générales et utilisation du Bitcoin
===> Mining et Hardware
===> Économie et spéculation
===> Place de marché
=====> Échanges
=====> Produits et services
=====> Petites annonces
===> Le Bitcoin et la loi
===> Wiki, documentation et traduction
===> Développement et technique
===> Vos sites et projets
===> Hors-sujet
===> Altcoins (Français)
=====> Annonces
=> India
===> Mining (India)
===> Marketplace (India)
===> Regional Languages (India)
===> Press & News from India
===> Alt Coins (India)
===> Buyer/ Seller Reputations (India)
===> Off-Topic (India)
=> Italiano (Italian)
===> Guide (Italiano)
===> Progetti
===> Discussioni avanzate e sviluppo
===> Trading, analisi e speculazione
===> Mercato
=====> Mercato valute
=====> Beni
=====> Servizi
=====> Esercizi commerciali
=====> Hardware/Mining (Italiano)
=====> Gambling (Italiano)
===> Accuse scam/truffe
===> Mining (Italiano)
===> Alt-Currencies (Italiano)
=====> Annunci
===> Raduni/Meeting (Italiano)
===> Crittografia e decentralizzazione
===> Off-Topic (Italiano)
=> 日本語 (Japanese)
===> アルトコイン
=> Nederlands (Dutch)
===> Markt
===> Gokken/lotterijen
===> Mining (Nederlands)
===> Beurzen
===> Alt Coins (Nederlands)
===> Off-topic (Nederlands)
===> Meetings (Nederlands)
=> Nigeria (Naija)
===> Politics and society (Naija)
===> Off-topic (Naija)
=> 한국어 (Korean)
===> 대체코인 Alt Coins (한국어)
=> Pilipinas
===> Altcoins (Pilipinas)
=====> Altcoin Announcements (Pilipinas)
===> Pamilihan
===> Others (Pilipinas)
=> Polski
===> Tablica ogłoszeń
===> Alternatywne kryptowaluty
=====> Nowe kryptowaluty i tokeny
=====> Tablica ogłoszeń (altcoiny)
=> Português (Portuguese)
===> Primeiros Passos (Iniciantes)
===> Economia & Mercado
===> Mineração em Geral
===> Desenvolvimento & Discussões Técnicas
===> Criptomoedas Alternativas
===> Brasil
===> Portugal
=> Русский (Russian)
===> Новички
===> Бизнес
=====> Барахолка
=====> Обменники
===> Идеи
===> Кодеры
===> Майнеры
===> Политика
===> Трейдеры
===> Альтернативные криптовалюты
=====> Токены
=====> Бayнти и aиpдpoпы
===> Хайпы
===> Работа
===> Разное
===> Oбcyждeниe Bitcoin
=====> Новости
=====> Юристы
=> Română (Romanian)
===> Anunturi importante
===> Offtopic
===> Market
=====> Discutii Servicii
===> Minerit
===> Tutoriale
===> Bine ai venit!
===> Presa
===> Altcoins (Monede Alternative)
=====> Anunturi Monede Alternative
=> Skandinavisk
=> Türkçe (Turkish)
===> Bitcoin Haberleri
===> Pazar Alanı
===> Madencilik
===> Ekonomi
===> Servisler
=====> Fonlar
===> Proje Geliştirme
===> Alternatif Kripto-Paralar
=====> Madencilik (Alternatif Kripto-Paralar)
=====> Duyurular (Alternatif Kripto-Paralar)
===> Konu Dışı
===> Yeni Başlayanlar & Yardım
===> Buluşmalar
=> Other languages/locations
Loading...