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京城个别银行首套房贷上浮10% 不排除其他银行跟进

2017-06-06 12:30:07   

京城个别银行首套房贷款利率上浮

中介称“不排除其他银行跟进”

目前,还有个别外资行实施的首套房贷款利率仍有折扣

■本报见习记者 刘 萌

与如今炎热的天气相反,北京的房地产市场似乎正在快速降温,而催化剂则是房贷利率的上浮。

证券日报》记者近日连续走访多家银行和房产中介了解到,从5月末到6月初,不到一星期的时间,北京地区首套房商业贷款利率已经从最初部分银行可申请九五折到几乎全部银行实施基准利率,再到昨日起个别银行首套房贷款利率上浮10%。

首套房贷款“起步价”

为基准利率

从去年“9·30新政”到今年“3·17新政”,北京地区楼市调控升级。今年以来,房贷利率也经历了几次重要的调整:元旦过后,北京绝大多数银行将首套房贷款利率折扣从八五折上调至九折;3月21日,北京地区16家银行将首套房贷款折扣从九折上调至九五折;五一节后,北京地区8家银行将首套房贷款利率折扣从九五折上调至基准利率;端午节后,北京地区绝大多数国有大行、股份制银行、城商行的首套房贷款利率回到基准利率;6月5日,北京地区个别银行的首套房贷款利率将在基准利率基础上上浮10%。

5月末,《证券日报》记者走访北京地区部分银行和房产中介了解房贷利率的执行情况。多家房产中介的经纪人表示,“目前中介合作的银行仍有少数可批九五折,但需要购房者的征信记录良好,月工资需要完全覆盖月还款额的2倍,并且工资证明和工资流水缺一不可。”同时,多位经纪人提醒本报记者,如果已经看好了房子,应该尽快走网签流程,“说不定哪天利率就没有折扣了”。

房产中介的说法也得到了多家银行的证实。《证券日报》记者5月末走访咨询的几家银行的工作人员对本报记者表示,“目前利率还有九五折优惠,不过有传言称,总行会在5月31日发通知取消折扣。”

端午节后,《证券日报》记者再次咨询了上述银行的个贷专员,银行工作人员表示:“首套房贷款利率从6月1日开始执行基准利率,以网签日期为准。”

多家房产中介的经纪人也对本报记者表示,“从6月份起,除了个别外资行,首套房贷款都是基准利率了。”对于执行基准利率的时间节点,房产中介的回答则相对谨慎:“我们不敢保证是以网签时间为分界线,因为银行的通知并不会发给我们,即使网签和面签时都是按照九五折申请,但6月份批贷也可能没有折扣,一切以银行的通知为准。”

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