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购房者眼中的首套房贷利率上浮:房价降了还款却增加了

2017-09-24 07:31:52   中国经济网

9月16号下午,张丽突然接到中介电话说,房贷利率要上调了,如果想买就赶紧定下来。

自从年初拿到北京户口指标后,张丽一直跟男友考虑准备买婚房的问题。这中间经过了年初的房价暴涨、“317房地产新政”后楼市的萧条,8月出台的租售同权的政策……俩人一边看房一遍犹豫,同时也想观望一下,房价能不能再降降?

回顾大半年的预备买房之路,张丽感受最深的是房贷政策不断“加码”:自3月17日北京房地产调控新政发布以来,北京地区大部分银行逐渐上调首付比例,落实“认房认贷又认离”的首套认定标准,并停止审批25年以上的住房贷款。银行在首套房贷利率方面一再上调,首套房贷款利率折扣从年初的八五折上调至九折、九五折、五六月份开始重回基准利率、再到近期在基准利率上浮5%—10%。

经济观察报从工行、建行以及中行总行人士了解到,从9月14日起,上述三家银行北京分行的首套个人住房贷款利率调整为基准上浮5%。此外,股份制上调幅度高于国有大行,为10%。这也得到了央行营业管理部(北京)表态支持。

而对张丽而言,虽然看中的那套两居室总价较“317”新政之前降了将近20%,但是目前利率上浮之后,面临还贷压力在提高,贷款审批手续也更慢了。

中介口中的“913新政”

记者走访一家中介机构的银行面签中心发现,目前各银行贷款利率基本都有上浮现象,幅度不一。

其中,国有银行利率上调幅度相对较小,工行、建行、农行在基准利率上浮5%,放款时间均不确定,可能要两个月后甚至明年年初;中行虽然同样上浮5%,放款时间两周左右,比较及时。股份制银行上浮幅度较大,民生银行、中信银行、广发银行是在基准利率基础上首套上浮10%,二套上浮20%且放款时间均不能保证。

一位链家房产中介人士对记者表示,“9月13日传达了最新的贷款利率政策。具体是谁下发的文件尚不清楚,但是从9月14日开始,还没有进行网签的就需要按照新的利率执行了。”

9月13日之后执行新的房贷利率政策,是各大银行不约而同之举吗?工行北分一位员工对记者表示,调高房贷利率的指示来自于银行的内部文件,但其只是接到相关指示,并没有看到具体文件。而一位大型股份制银行信贷员工对记者表示,“公司的确有关于利率上浮的来自内部指示,具体是哪个部门下达的文件,尚不清楚。”

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