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额度稀缺 购房人遭银行单方利率涨价

2017-08-28 07:37:05   中国经济网

在房贷利率收紧、按揭成本高企的同时,房贷投放节奏悄然放缓,银行额度紧张带来最直接的后果就是银行放贷周期普遍延长从而加大了购房者的贷款时间成本,在此过程中商业银行地位更加强势,购房者要么提高贷款利率否则就需要无限期地等待放款已然成为行业潜规则。

要么贵要么等

迟迟拿不到银行贷款的王女士近来十分苦恼。退休后的王女士本打算利用手里的闲钱为儿子购置一套房产,计划在今年“十一”儿子回家之前将房屋装修完毕,但因银行贷款额度紧张,迟迟交不了房。

据了解,王女士于今年6月在北方某二线城市购买了一套80多平方米的二手房,凑齐了30余万元的房产首付,并在某国有大行通过商贷、公积金混合贷款的形式合计贷款20万元,贷款时间十年。“通常情况下,银行放贷周期是在20天左右,6月28日,我同房产中介一同去银行交了房本并签订房贷合同,按照原先的说法,在7月中旬就可以拿到贷款,但是贷款一拖再拖至今仍然没有放贷迹象。”王女士介绍。

对于放贷延时的原因,王女士表示,“银行方面表示是因为总行近期没有再审批放贷额度,信贷经理说我们是本地最后一批按照8.5折房贷利率优惠折扣计算的购房者,现在很多类似的人都在排队等候额度审批,如果按照9折利率或者基准利率贷款的话,放贷速度会快一点,不然就是一直等”。

额度告急成主因

今年以来楼市调控成为监管主旋律,全国多地房贷政策相继收紧,以北京地区为例,年内商业银行贷款利率折扣已经历过五次上调,政策频繁调整期往往成为业务纠纷高发期。

如某股份制银行近期就因此前和业主约定好的按揭房贷利率8.3折(部分85折)“被取消”而遭遇期房业主集体投诉。对于银行放贷这种要么贵要么等的现状,融360房贷分析师张琪表示,目前在信贷政策收紧的情况下,银行今年放贷成本升高,影响了的整体利润,各城市银行对利率有自主调节的权利,部分银行会通过提高利率来弥补利润的损失,利率越高,总利息越高,给银行带来的收益也就越高,因此能接受高利率的借款人可以更快获得贷款,央行今年给商业银行下发的额度有限,银行要保证每笔贷款能带来足够的收益,因此银行加强了对信贷资质的审核,提高了放贷门槛,放款周期变长。

苏宁金融研究院高级研究员赵卿也表示,银行放贷慢,实际上也是因为房贷政策收紧,比如贷款额度有限、审批流程加强、审核标准提高等。

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