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个人住房贷款成明年监管重点 区别自住型和投机型购房

2016-12-22 09:20:31   

主持人沈明:日前召开的中央经济工作会议对2017年楼市调控政策主要提出了限贷、限购、问责等三方面内容,要在宏观上管住货币,要根据人口流动情况分配建设用地指标,要落实地方政府主体责任,力促三四线城市去库存。本报今日请专家学者就几方面政策动向作出解读。

分析人士认为,未来或对自住型购房出台一定的优惠政策,对二套和二套以上住房出台一些“惩罚性”措施

■本报记者 傅苏颖

2017年是实施“十三五”规划的重要一年,也是供给侧结构性改革的深化之年。12月16日闭幕的中央经济工作会议指出,促进房地产市场平稳健康发展,要在宏观上管住货币,微观信贷政策要支持合理自住购房,严格限制信贷流向投资投机性购房。

中国银行首席研究员宗良对《证券日报》记者表示,今年中央经济工作会议将房地产定位为“房子是用来住的,不是用来炒的”,指明房地产本身应以民生和保障为主。今年以来,个人住房贷款占新增贷款比重过大,与总体货币供应量较为宽松有关。会议要求为明年的房地产信贷指明了方向,在总体货币供应或适度趋紧的背景下,下一步将采取措施将个人住房贷款控制在合理范围内,在满足合理住房需求的同时,严控和打击投机和投资行为。

今年以来,房地产调控措施取得了初步成果,然而,房地产市场也出现了一定波动。部分一二线热点城市房价一度迅猛上涨,专家指出其背后与巨额资金涌入楼市直接相关,与货币、信贷政策的宽松有直接关系。为此,今年10月份全国多地密集出台了一系列限贷政策,即以提高二套房首付比例和非普通性住宅首付比例为主,旨在打压投机行为。

国家行政学院决策咨询部研究员王小广在接受《证券日报》记者采访时表示,会议明确了住房的定位,这一说法十分重要。未来或对自住型购房出台一定的优惠政策,包括利率和税收过程中的优惠抵扣等,但对于二套和二套以上的住房,也会出台一些“惩罚性”的措施,包括首付和贷款利率的上调等。另外,虽然此次未提及房产税等相关内容,但是,会议内容也提及要建立房地产的长效机制,这其中就包涵了房地产税这部分内容。同时,今年个人住房贷款上涨过快,相信在明年将成为调控重点,预计个人住房贷款在明年将进一步下滑。

(责编:乔雪峰、夏晓伦)

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