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業內預計中小銀行將下調首套房貸利率 @ 2012-03-21T10: Back Hot News
Keyword:首套房貸利率 銀行
Concept:銀行首套房貸利率優惠
近日,多家銀行將首套房貸利率下調到了基准利率,甚至重回打折時代。據記者了解,其中廣州已有銀行給優質客戶8.5折利率優惠,北京、上海亦出現最低9折的利率優惠。
    據中國證券報記者了解,與去年較基准利率上浮5%甚至10%時相比,目前多家銀行首套房貸利率已下調至基准利率以內。業內人士預計,隨著未來流動性寬松格局進一步確立,首套房貸8.5折優惠利率將重現市場,但預計7折優惠短期難以出現。目前監管部門房貸政策未調整,仍是首套房貸利率不得低於8.5折,首付成數不得低於30%。「這一紅線暫未松動。」
中國企業家發表財經評論人朱大鳴文章稱,去年借口調控房價,基准利率上浮5%甚至10%,但是,目前多家銀行首套房貸利率已下調至基准利率以內,還有可能繼續打折。央行副行長劉士余表示,今年將全面落實差別化的住房信貸政策。央行此前在關於個人首套房貸利率上有一個下限,央行鼓勵各家金融機構在央行的基准利率和首套普通商品住宅貸款優惠利率的下限之間,根據借款人的財務狀況權衡來自主定價。問題是,滿足剛性需求的房貸政策,能不能真正撬動起市場的成交量來。

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