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厦门首套房贷款利率继续收紧
2017-05-26 10:11:21 经济参考报
原标题:厦门首
套房贷款利率继续收紧
记者从厦门市部分银行和房产中介获悉,受流动性收紧的影响,目前厦门首套房贷款利率继续收紧,多家银行由原来基准利率的九折上调至九五折。
近日,厦门市内的工商银行、农业银行、中国银行、建设银行四家银行纷纷调整首套房贷款折扣利率,将原先给予首套房购房者九折的优惠利率上调至九五折。而在此之前,部分商业银行已经将首套房贷利率提升到了九五折,一些银行甚至实施基准利率。
“首套房贷也打不了折,最低只能按基准利率来做。”一家股份制银行的个贷经理说,上个月该家银行刚将首套房贷利率上调至九五折,这已是不到一个月时间二度上调首套房贷利率。招商银行的一家支行个贷经理也表示,首套房贷利率最低折扣已于近期上调到九五折。
多位银行人士纷纷称,目前个人房贷额度紧张,放款时间明显变长。一家商业银行的工作人员称,今年初以来市场资金面整体较紧,信贷额度不如去年宽松,房贷额度更是有总量控制。
在厦门从事多年房产经纪的赖经理表示,目前厦门楼市在多轮调控下已渐趋理性,投资和投机者因政策限制已逐步退出厦门市场,因此本次多家银行贷款利率收紧不会对市场造成太大影响,但会影响买卖双方的预期,预计楼市观望情绪进一步加重。
(责编:孙博洋、杨曦)
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