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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。
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