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个人房贷“量跌价升” 刚需怎么满足?——从上市公司中报看房贷和房地产市场走势

2017-08-30 18:50:42   新华网

新华社北京8月30日电  题:个人房贷“量跌价升” 刚需怎么满足?——从上市公司中报看房贷和房地产市场走势

新华社记者李延霞、王优玲、吴燕婷

个人住房按揭贷款,是楼市晴雨表之一。记者梳理上市银行半年报发现,当前个人房贷呈现“规模降”“利率升”的特点。房贷收缩对购房者有哪些影响?促进楼市降温的同时如何满足刚需的合理需求?未来个人房贷走势如何?

  个人房贷市场出现了哪些变化?

由于风险低,房贷一直以来都是银行眼中的“香饽饽”。去年全年以个人住房按揭贷款为主的住户部门中长期贷款占全国新增贷款的比重达到45%。而这一势头目前正在发生改变。

梳理上市银行刚刚发布的半年报可以发现,多家银行的个人住房贷款增速在放缓。截至上半年末,中信银行个人房贷余额4825亿元,增长占全部个人贷款增量的比重比上年减少16.6个百分点;浦发银行个人房贷余额5096亿元,占全部个人贷款的比重比去年末降低3.62个百分点;招商银行个人住房贷款余额7999亿元,较上年末增长11.05%,增速放缓。

从区域看,北京等热点城市的房贷规模收缩明显。北京银监局副局长蒋平表示,近几个月北京市个人住房贷款发放金额持续回落,6月份的发放金额较3月下降约三成。

不仅规模缩减,以前司空见惯的房贷利率折扣也难觅踪影。中信银行半年报显示,上半年新发放住房按揭贷款加权平均利率4.55%,比上年提升0.09个百分点。

记者从广州、深圳等地的多家商业银行了解到,大部分银行首套房贷利率维持在基准至上浮10%的水平,二套房贷款利率则上浮10%至30%不等。

“融360”发布的报告显示,7月全国首套房平均利率为4.99%,相当于基准利率1.02倍,环比上升2.25%,同比上升12.38%。

房屋中介机构明显感受到部分银行房贷“额度降”“放款慢”。“自6月份以来,银行放款速度明显放缓,有的客户等了三个月贷款还没有下来。”中原地产代理(深圳)有限公司董事总经理郑叔伦说。

  房贷收紧,会否误伤“刚需”?

额度吃紧、利率提高、放款变慢,房贷政策收紧毫无疑问会增加购房者的压力。

刚刚在广州购买首套房的吴小姐告诉记者,她在7月底向一家称可提供95折贷款的银行提交了贷款申请,但层层审批后,银行在8月中旬告知她折扣无法落实,且利率上浮5%。这意味着,180万元的贷款,按照等额本息还款法,贷款期限25年计算,利率上浮后,吴小姐要多还15万元的利息,每月月供增加511元。

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