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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
需落实书面合同
随着各地贷款审批流程的延时,购房者购房成本增加,因贷款审批放缓引发民事纠纷的案例屡见报端,业内人士提醒,在银行贷款过程中,需将商定的条款落实到合同有利于日后维权。
张琪表示,银行今年在房贷业务的额度有限,出现额度不足的情况也比较正常。建议选择银行贷款的时候,在购房论坛上向已经申请房贷的人了解一些更实际的情况,为以防万一,可将无法放贷的违约条款落实到贷款合同中。遇到上述王女士这种情况,建议看一下贷款合同中对于放贷时间、利率变动,有没有相关违约责任的条款,可以根据合同和银行协商解决办法,协商不成的可咨询律师通过法律途径解决。
北京寻真律师事务所律师王德怡补充道,根据人民银行的规定,商业银行有权在基准利率的基础上上浮或下调一定比例的贷款利率,各商业银行在实际当中会根据实际情况执行不同的政策,最终能不能放贷还是银行说了算,购房人应当认真了解国家房屋买卖和银行贷款政策。
“需要注意的是,无论是什么原因造成贷款办不下来,法院判决时一般会以合同约定为准,所以购房人在与开发商和买房人、银行签订合同时,需注明违约责任,在维权时会更容易些。在办理房贷时不能轻信贷款经理的优惠折扣许诺,若双方已经签署正式贷款合同,并且明确注明了利率优惠幅度,那么借款人碰到贷款银行以不放款来要挟涨贷款利率,可以向银监会或当地的银监局投诉。”赵卿坦言。
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