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首套利率最高上浮20% 房贷不受银行“待见”

2017-09-25 08:36:53   中国经济网

东方IC 图

如果未来银行的资金成本还要继续往上走,那么所有的贷款成本都将上升,届时不仅是房贷利率,所有类型的贷款利率都会上升。

“贷不起款,买不了房了。”白领程霞(化名)无奈地说。

程霞,“坐标”上海,小有资产的白领一枚,而让她发出上述感慨的正是上海持续上涨的房贷利率。

9月21日,《国际金融报》记者咨询了沪上十余家银行网点了解到,进入9月份以来,已有多家银行上调了房贷利率。目前,民生银行、广发银行、渤海银行的首套房贷利率均已在基准利率基础上上浮10%,中信银行甚至已上浮20%。

而这样的景象并不是上海独有,据相关媒体报道,近期,北京、广州、深圳等地区商业银行也陆续提高了首套房贷利率水平。

那么,这轮房贷利率猛涨的背后是什么在推动呢?

首套房贷利率全线上调

每年九、十月份被房地产人士称为 “金九银十”,但今年的开场有点暗淡。与之相呼应的是,包括上海在内的多地房贷利率“涨声”一片。

《国际金融报》记者以消费者的身份电话咨询了部分沪上银行和中介后发现,近期,沪上银行的首套房贷利率又有所上浮,首套房的贷款利率多在4.9%左右,属于基本利率水平,而部分银行的首套房利率更是在基准利率上继续上浮,最多上浮20%,达5.88%。

具体来看,中信银行的首套房利率在基准利率基础上上浮了20%,目前为5.88%;渤海银行、广发银行、民生银行均上浮10%,为5.39%;南京银行、浦发银行上浮5%,为5.145%;平安银行、浙商银行、招商银行、建设银行均执行基准利率,为4.9%;中、农、工、交四家大行还坚守折扣利率,其中折扣最高为农业银行,目前最高仍可享受9折优惠。

值得一提的是,中信银行所执行的首套房贷款利率已与其二套房贷款利率持平,而去年9月,该行还是执行9折优惠。换言之,短短一年间,该行首套房贷利率整整上浮30%。

上浮30%是什么概念?记者算了一笔账:以首套房为例,贷款500万元,贷款年限为30年。采用1年前的9折利率,每月需要等额还款25067.59元,总支付利息为4024332.09元,本息合计9024332.09元;而采用目前上浮20%的利率,贷款者每月等额还款额将达29592.87元,总支付利息为5653432.46元,本息合计10653432.46元。换言之,贷款者月供将增加4525.28元,30年下来,本息合计整整增加了163万元。

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