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人民房评:“首付贷”死灰复燃背后原因需警惕

2017-09-13 11:01:24   中国青年网

去年下半年,央行等七部门出台新规,禁止房产中介提供“首付贷”。不曾想,时隔一年,在严厉的宏观调控政策下,“首付贷”却重出江湖,化身为信用贷、消费贷、装修贷等身份,换件“马甲”再度游走于房地产交易市场,充当楼市不稳定因素。

据中国之声报道,北京西城区的一家中介机构工作人员称可以协助办理信用贷。其称,能用信用贷款解决购房人的首付问题,正常的信用贷款大概一个人能贷30万,并且强调其所在公司和银行有合作,能提供利率较低的信用贷。

这样的情况并非只发生在北京。上海部分房产中介也表示可以申请小额贷款,这种贷款不计入个人信贷,不影响买房的贷款,只需要提供银行流水和社保,并表示可以代为帮忙办理。

消费贷的作用本应是刺激消费、扩大内需,满足群众对消费的需求,但如果绕道进入楼市,势必会增加资金杆杠的使用量,对稳定楼市有害无利。

深究“首付贷”死灰复燃的原因后发现,当前房地产市场一些不负责任的推涨言论和畸形信号,才是真正的幕后推手。也是监管机构需要格外警惕的。

比如,部分城市对房地产新楼盘执行了严格的价格限制和管控政策,在当前楼市仍是一派看涨的行情背景之下,房地产开发商一边在缓推盘慢入市,对赌所谓政策调控“开闸放水”,人为造成了市场上供应紧缺。此前,北京市住建委就曾喊话300多个在途项目,要求加快入市增加供应。

另一方面,因为限价管控,部分城市有些楼盘的房源售价存在一定的涨价空间。在这种背景之下,有开发商开始对购房人“挑三拣四”。在网上,甚至有一条充满购房歧视的顺口溜:全款的请往里走,按揭的别堵门口,公积金贷款的把车挪走。意思是能付全款的购房人优先、关系户优先,而对需要贷款的购房人则强加限制和排挤。

在所谓的楼市看涨的言论和带有歧视性的销售背景之下,部分投机心理重新抬头,并对各类“首付贷”打起歪主意。而部分中介在这个过程当中,也充当了帮凶的角色,在利益的驱动下铤而走险。

为了防范金融风险,保证房地产市场健康平稳运行,针对市场出现的变相“首付贷”,部分一、二线城市已经进行全面排查。9月5日,北京银监局、中国人民银行营业管理部联合印发《北京银监局人行营业管理部关于开展银行个人贷款资金违规进入房地产市场情况检查的通知》,要求北京市银行业金融机构对个人经营性贷款和个人消费贷款开展自查工作,重点检查“房抵贷”等资金违规流入房地产市场的情况。此外,深圳已经有银行将消费贷30年期限缩短至5年。

笔者认为,在加强金融监管的同时,相关主管部门也应该加大对变相捂盘、严重延期开盘的房地产项目进行相关约束和惩戒。

当前,房地产宏观调控政策并没有放松的迹象,中央早就对房地产市场定调,“房子是用来住的,不是用来炒的”,有关房地产“长效机制”也正在加紧制定中。

房地产长效机制的建立需要一定的程序和时间,政策生效也需要市场的检验。而针对当前市场上个别企业和从业人员,扇阴风点鬼火,释放调控放松、房价将要上涨等不负责任的言论,造成市场的不稳定,各方应该加以管制和约束。

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