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深圳多家银行封堵消费贷进入楼市漏洞

2017-09-20 07:47:14   中国经济网

他指出,一些客户想尽办法躲避银行贷后审核,比如一般银行放款要求刷卡或把钱打到第三方消费账户,银行系统虽然可以监控到交易动向,但如果找企业代收再给返点把钱套出来,银行很难查出来。“加上银行自己也不愿意查,花费人力物力,吃力不讨好。”

上述业内人士告诉记者,利用5年期抵押消费贷凑首付蕴含不小风险。“5年到期购房者用过桥资金还上贷款,但整体信贷政策有变或银行额度紧张、风控变严时,再批额度会降低或者周期延长,很可能出现资金链断裂。”

今年以来,信贷结构变化明显。数据显示,8月新增信贷1.09万亿元,较去年同期增加1413亿元,环比增加2645亿元。从结构来看,居民短期贷款增长迅猛,8月新增居民短期贷款2165亿元,环比增加1094亿元,占新增信贷的比重环比提升7个百分点至20%。此外,1-8月新增居民短期贷款1.28万亿元,较去年同期多增8231亿元。

国金证券分析指出,在消费信贷表现强劲的情况下,8月居民消费却呈现下降态势,两者明显出现背离,主要原因可能是部分居民消费贷款最终被用来购房。

某大型股份制券商房地产分析师表示,在一系列调控政策的作用下,房地产逐步进入平稳发展轨道,过快上涨的势头得到了有效遏制。但消费贷、经营贷穿“马甲”违规进入房地产会削弱楼市调控政策的作用,应采取一系列强有力的措施,维护房地产市场稳定。

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