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新华社北京5月2日电(记者王晓洁)记者2日从多家银行获悉,5月1日起,北京市房贷利率普遍提高。首套房房贷执行基准利率、不再有任何折扣;二套房房贷执行基准利率的1.2倍。
记者从中国工商银行、中国建设银行、光大银行、北京银行等多家银行了解到,5月1日及以后网签的购房业务,首套房房贷执行基准利率,不再有任何折扣;二套房房贷执行基准利率的1.2倍。房贷利率较此前有所提高。在5月1日之前,北京市大部分银行对于首套房房贷利率打95折、二套房房贷利率执行基准利率的1.1倍。
一家大型国有银行个贷部门的负责人告诉记者,这是银行业出于风险防控推出的举措,目前融资成本不断提高,银行面临成本和风控的双重压力,调高房贷利率符合银行的管理要求。
中原地产首席分析师张大伟认为,在北京出台各项楼市调控政策后,银行对抵押品的风险意识不断提高。
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