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杭州调控加强风声再起
柴先生所不知道的是从6月开始,杭州部分银行出现按揭贷款利率上调;7月中旬,房贷继续收紧,杭州多数银行都已经加入到房贷利率上浮的行列中。目前首套房基准利率上浮5%-10%,二套房上浮15%-20%。
农行浙江省分行相关人士9月12日对21世纪经济报道记者介绍,目前农行执行首套住宅上浮10%, 二套房上浮15%,而商住没有几套的概念,都是基准上浮15%。
建行和交行浙江分行人士也都表示房贷额度非常紧张。
一国有大行杭州某支行行长对21世纪经济报道记者表示,今年以来所有的贷款都有所收拢,其中住房类贷款最紧,商用公寓额度还稍微宽松些,利率也都有所上浮,排队期也要增长,排队四五个月都很正常。“各类贷款都紧张,客户现在有闲钱又不存银行,流动性收缩、银行资金成本上升,资产收益下行导致收入及利润承压,再加上信贷额度的限制,银行逐步减弱房贷折扣、提高房贷利率成为必然选择。”
21世纪经济报道记者了解到,工、农、中、建、交五大国有大行的房贷指标都是专项管理,即由上级行逐级下发,并不是总的贷款指标都很紧张,而是住房贷款作为其中一项单独控制的指标在总贷款规模之内又实行专项管理,显得特别紧张。
杭州一股份行个金部门负责人介绍,从银行自身来说,出于盈利或者其它考虑,一些股份行和城商行很少做房贷业务,这导致业务都集中到五大行,使其压力更大。
易居研究院智库中心研究总监严跃进9月12日对21世纪经济报道记者表示,房贷收紧的大背景还是因为整个房地产市场的调控收紧。调控是结构性的,住房市场调控是最本质的,一切都是围绕住房市场,商用公寓并不是重点。“从杭州市场来讲,跟全国不一样的特点是,全国一调控就降温,杭州调控后却没有反应,无论是土地市场还是房地产市场都持续热度,所以我认为杭州后续可能还有进一步的调控政策。”
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