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传北京元旦起房贷利率最高九折 多家银行称正核实

2016-12-28 11:11:23   

京华时报讯(记者余雪菲潘秀林)昨天,有媒体报道称,从北京房地产交易中介处获悉内部通知,自2017年1月1日起,所有银行贷款利率折扣最高九折。

报道称,15家银行北京分行达成了7项约定,包括约定严格执行国家关于房地产出台的多个通知、抑制个人住房投机行为等,并约定对落实情况互相监督。其中对于房贷利率,公约约定“各签约单位个人住房贷款利率,要综合成本收益分析合理定价,但不应低于人民银行基准利率的0.9倍。”

目前,在监管收紧楼市背景下,市场上主流的个人房贷利率执行最低8.5折利率,少数对于优质客户有条件执行8.3折利率。对于元旦起房贷利率最高九折这一消息,记者采访到的几家银行均表示,目前还在跟业务部门核实,尚无进一步明确消息。

融360最新数据显示,12月北京地区首套房利率平均折扣为8.59折,平均利率为4.21%。在监测的30家银行中,首套房首付方面有26家银行的首付为3.5成,贷款利率方面较上月没有变化,利率最低是8.2折优惠利率,最高的则是上浮基准利率10%。

中原地产首席分析师张大伟认为,信贷宽松的时代已经过去了。最近两个月银行资金成本明显增加,所以折扣收回是必然趋势,明年一季度如果按照现在资金价格的上行幅度,预计保持利率九折都很困难,很有可能恢复到2014年的9.5折甚至是基准利率。

张大伟认为,信贷政策是决定短期房价的最重要因素。最近3个月北京的房价调整幅度远远不如深圳和上海,主要原因是,虽然北京的“930”政策非常严格,但相比另外两个城市,欠缺了一个认房又认贷政策。这是悬在北京楼市头顶的剑。所以判断2017年北京房价走势,要看这个政策是否会出台。如果认房又认贷政策出台,可以预期的是,北京2017年成交量还将有20%以上的跌幅空间,而房价的跌幅甚至会接近2014年。

易居研究院智库中心研究总监严跃进认为,如果传言属实,贷款利率折扣减少,购房者的月供压力会有所增加,可能会使得房屋的潜在交易规模减少,从去泡沫和去杠杆的角度看,这是有积极意义的。

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