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多地首套房贷款利率上浮5%-20% 多家银行额度紧张

2017-09-23 07:11:58   中国经济网

建设银行(601939.SH)一位人士告诉记者,他们行在北京的首套房贷利率较基准贷款利率普遍上浮10%,如果资质较好,在符合监管要求的情况下,可以比10%低一些。

一家股份制银行南阳分行的人士则表示,由于额度控制,郑州、南阳等城市的银行普遍将首套房贷利率较基准上浮20%。“就这样还没有额度。”

深圳一位金融行业人士向记者透露,部分银行已经通知客户,由于放贷额度有限,加上银行的年终监管考核,部分银行将于下月底开始停止放贷。

《中国经营报》记者采访的一位银监会人士也注意到了各家商业银行贷款利率的变化,“不少热点城市都是信贷宽松导致房价上涨较快,政府要抑制房价过快上涨,因此上调了房贷利率,央行支持各家银行的利率调整。”

他进一步介绍,今年央行加大了对房地产贷款的监管,尤其是增量控制,限制信贷资金投机购房,为了控制增量,各家银行层层制订了计划,包括流动性和信贷额度的考核。

上述国有大行人士补充,通过提高个人住房贷款利率抑制购房需求过度增长,有利于进一步巩固房地产调控成效。央行表态支持北京市多家银行上调首套房贷款利率,也有助于稳定市场对于房地产调控和抑制房地产泡沫的预期。

个人住房贷款增速回落

实际上,随着房地产调控政策的不断升级以及银行考核指标的变化,房贷利率自年初开始逐步走高。首套房贷利率从过去普遍的基准利率8.5折开始逐渐向基准利率靠拢,近期则明显较基准利率有所上调。

据记者了解,早在今年初,央行即明确提出商业银行必须严格控制一季度新增贷款。

上述东部某股份制银行人士告诉记者,央行的窗口指导给商业银行的投放计划带来了较大压力。他们银行今年执行的合意贷款指标是2005年的标准。合意贷款指标主要为控制银行在一些时段内的信贷投放规模和投放节奏以及贷款结构。

《中国经营报》记者从中国人民银行以及Wind资讯获得的数据显示,个人住房贷款经历了过去两年的快速增长后如今增速开始放缓。其中尤以北京、上海、深圳等城市最为典型。

今年上半年,个人住房贷款余额同比增速从一季度时的35.6%降至30.8%,截至上半年的余额为20.1万亿元,今年新增2.1万亿元,同比少增2000亿元。

以北京为例,随着房地产调控加强,今年个人购房贷款在各项贷款中的占比以及月度新增额均呈不断下降趋势。6月末,个人购房贷款比年初增加1032.2亿元,新增额占人民币各项贷款新增额的25.6%,较2016年末40.3%和2017年3月末36.2%的新增占比分别下降14.7个、10.6个百分点。1~6月个人购房贷款实际月度新增额分别为207.6亿元、244.7亿元、144.7亿元、159亿元、154.2亿元、122亿元。

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