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北京首套房贷普遍维持基准利率

2017-06-06 12:50:32   北京晨报

北京首套房贷普遍维持基准利率

有银行上调房贷利率了?

北京晨报讯(记者 姜樊)昨日,有消息称,北京地区已有股份制银行将首套房贷利率上浮至基准利率的1.1倍。不过,昨日北京晨报记者走访多家银行了解到,目前北京地区首套房贷利率普遍仍维持在基准水平。

有消息称,已经上浮了首套房贷款利率的是民生银行,而这个消息则是由中介方面透露的。北京晨报记者昨日向民生银行北京分行相关人士证实此事,但截至记者发稿时,民生银行并未给出明确答复。

北京晨报记者走访其他银行发现,目前北京地区的大多数银行仍按照首套房贷最低基准利率、二套房贷基准利率上浮20%的政策执行。招商银行、中信银行、浦发银行、北京银行等多家银行均表示,目前暂未上浮首套房贷利率。

“民生银行就算是上浮了,可能也不会对其他银行产生影响。”一位知情人士向北京晨报记者直言,民生银行的贷款以无抵押贷款、经营类贷款为主,在个人住房按揭贷款上的体量并不大。

伟嘉安捷企划部经理吴昊也表示,目前还未收到银行方面针对首套房贷利率上调的通知。

“其他银行跟进上调首套房贷款利率不会太快,最有可能上调利率的时间是在10月份以后。”吴昊认为,年底银行头寸可能会有所限制。而同样是在收紧房贷政策的大背景下,银行曾在2013年前后将首套房贷利率上调至基准利率上浮10%的水平。

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