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首套房贷初现上浮15%

2017-08-14 09:04:12   中国经济网

“首套房贷利率持续上升,刚需者被误伤。”近日,计划在上海购置婚用房的一对小夫妻无奈地对记者表示,伤不起。

房贷利率究竟上升了多少?

看一组最新出炉的数据便可窥见一二。根据融360最新监测数据,7月份,全国超九成的银行对于首套房已无利率优惠;二套房贷平均利率为5.47%,连续2个月保持上升趋势。

值得注意的是,房贷还在持续收紧中。8月10日,有消息称,近日在北京地区有两家银行网点已将首套住房按揭贷款利率上浮15%,较6月初的上浮10%进一步上行。

超九成银行首套不打折

具体来看,7月首套房贷平均利率已达4.99%,相当于基准利率1.02倍,环比上升了2.25%;同比去年7月的4.44%,上升了12.38%。

首套房贷利率优惠已然成为“稀有产品”。据监测,7月份全国533家银行中,超九成的银行已无利率优惠,其中364家银行执行基准利率,较上月减少35家;126家银行执行基准利率上浮,较上月新增94家,上浮趋势较明显。

记者注意到,7月份二线城市首套利率已多数破五,而一线房贷利率也在向5%靠近。

步入8月,房贷收紧趋势还在持续。8月10日,据相关媒体报道,包括民生银行某网点在内的两家银行网点已将首套住房按揭贷款利率最高上调至基准利率的1.15倍,也就是上浮15%,比6月初上浮10%进一步上行。

8月11日,《国际金融报》记者就此信息咨询了上海民生银行某网点信贷部门,但该行的客户经理表示目前首套房贷款利率仍是上浮10%,审批时间在1个月左右。

二套房贷方面,执行基准利率的银行有4家;422家银行执行基准利率上浮10%,较上月减少43家;执行基准利率上浮15%的有10家;上浮20%的有67家,较上月增加31家;另外还有10家银行执行基准利率上浮30%,较上月新增7家。

融360分析师指出,当前二套房平均利率高于首套利率,但首套利率增速高于二套利率,未来首套、二套平均利率之间差距或将进一步缩小,但仍将保持差异。

房贷利率攀升误伤刚需?

那么,首套房的利率持续上涨会误伤“刚需”吗?

上海易居房地产研究院智库中心研究总监严跃进在接受《国际金融报》记者采访时表示,首套房利率持续上涨确实会加大购房者的按揭贷款压力,这压力主要和首付有关。

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