新闻 > 经济
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11155042/20170926/31514529_3.html
Server: cms-9-53
Date: 2024/12/28 14:34:15

Powered by China
China

京城按揭贷压力测试:房价“非典型性下跌” 监管严控杠杆率

2017-09-26 07:32:57   中国经济网

从按揭贷款价格的价格变动来看,9月19日本报刊发报道,独家关注到京城首套房贷款利率上浮5%-10%已经成为主流,当日傍晚监管部门再次发声表示支持,“房贷利率调整是银行在北京市严格实施房地产市场调控、市场利率整体上扬的背景下,根据市场资金水平变化、自身资产负债管理需要所采取的自主行为,符合政策要求和导向”。

据《证券日报》记者统计,四家国有大行今年上半年的付息率在1.5%-2%之间;大多数中等规模银行的付息率在2.5%上下浮动,小型银行的付息率大多在2%-2.8%之间。而按揭贷款的基准利率是4.9%,去年房贷利率优惠至八五折时执行利率仅为4.17%,优惠至九折时执行利率仅为4.417%;如果按照基准利率1.1倍批贷则是5.39%,如果按照目前京城最高的基准利率1.2倍批贷则是5.88%。从上述数据可以看出,房贷实行折扣利率时,银行该项业务的净利差最低可能不足1.5%,而上市银行今年中期信贷业务整体的净利差大多数在1.5%-2.5%之间,最高甚至达到了3%。

2016年上半年,就曾有一家股份制银行副行长表示,房贷利率如果执行八五折利率优惠,银行考虑综合成本后需要倒贴8个百分点。而今年上半年,资金面较彼时收紧,银行的资金成本也是明显上升,按揭贷款利率“折扣变上浮”也是情理之中,相对而言,也有助于银行在综合“压力测试”中获得更好的表现。

上一页3/3下一页
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11155042/20170926/31514529_3.html
Server: cms-9-53
Date: 2024/12/28 14:34:15

Powered by China
China
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11155042/20170926/31514529_3.html
Server: cms-9-53
Date: 2024/12/28 14:34:15

Powered by China
China

相关阅读

404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11155042/20170926/31514529_3.html
Server: cms-9-53
Date: 2024/12/28 14:34:15

Powered by China
China
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11155042/20170926/31514529_3.html
Server: cms-9-53
Date: 2024/12/28 14:34:15

Powered by China
China
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11155042/20170926/31514529_3.html
Server: cms-9-53
Date: 2024/12/28 14:34:15

Powered by China
China
分享到:
0 0
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11155042/20170926/31514529_3.html
Server: cms-9-53
Date: 2024/12/28 14:34:15

Powered by China
China
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11155042/20170926/31514529_3.html
Server: cms-9-53
Date: 2024/12/28 14:34:15

Powered by China
China

美图推荐

404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11155042/20170926/31514529_3.html
Server: cms-9-53
Date: 2024/12/28 14:34:15

Powered by China
China
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11155042/20170926/31514529_3.html
Server: cms-9-53
Date: 2024/12/28 14:34:15

Powered by China
China
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11155042/20170926/31514529_3.html
Server: cms-9-53
Date: 2024/12/28 14:34:15

Powered by China
China
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11155042/20170926/31514529_3.html
Server: cms-9-53
Date: 2024/12/28 14:34:15

Powered by China
China

为您推荐

加载更多>>
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11155042/20170926/31514529_3.html
Server: cms-9-53
Date: 2024/12/28 14:34:15

Powered by China
China
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11155042/20170926/31514529_3.html
Server: cms-9-53
Date: 2024/12/28 14:34:15

Powered by China
China
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11155042/20170926/31514529_3.html
Server: cms-9-53
Date: 2024/12/28 14:34:15

Powered by China
China