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全国多个城市上调首套房贷款利率 南京上浮达30%

2017-08-23 07:13:02   证券日报

本报记者以购房者身份致电某股份制银行的个贷部门,工作人员告诉记者:“首套房贷款利率最低上浮10%。”然而,本报记者在咨询某房产中介时,工作人员却表示:“可以在上述银行申请到上浮5%的贷款利率。”

当本报记者表示,已经咨询过该银行,并获悉最低利率为基准利率的1.1倍时,中介工作人员则改口说:“以银行工作人员介绍的情况为准。”

全国多个城市

上调首套房贷款利率

融360发布的报告显示,今年7月份,全国首套房贷款平均利率上升至4.99%,相当于基准利率1.02倍,这是继2013年出现全面基准利率后,时隔四年全国范围内首套房贷款再现全面回归基准利率。数据显示,从全国首套房贷款平均利率走势来看,7月份,全国首套房平均利率环比上升2.25%;同比去年7月的4.44%,上升12.38%。

根据《证券日报》记者调查了解,目前多个重点城市的首套房贷款利率最低上浮5%-10%。

房贷利率的上调提高了购房门槛。以贷款200万元、贷款25年计算,按照等额本息还款法,基准利率上浮10%后,相比去年的八五折优惠时期,利息成本高出421603.07元,每月月供增加1405.34元。

除了贷款利率,放款的速度也令购房者伤不起。融360发布的报告显示,今年全年信贷的环境都趋于紧张,因此下半年银行放款节奏会进一步放缓,进入年末更可能面临银行放款“冻结期”。

相对于二套房调整首付比例和利率水平,首次置业的刚需族对首套房利率的调整更为敏感。对于购买新房的人来说,放款周期长问题不大;但对购买二手房的人来说,放款周期长则可能意味着变数。

近日,有购房者向《证券日报》记者表示:“房产中介建议我主动提高利率以求快速放款,他们说银行审批的时候会按照利率由高到低来处理,我还在犹豫要不要主动申请。”

对此,银行方面表示,现在房贷额度有限,一个月的额度不到一周就放会完,其他人则需要排队等下个月的额度。“在额度紧缺的背景下,利率自然会逐步上调”,某国有大行的工作人员表示。

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