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部分銀行首套房貸利率調至8.5折以支持剛性需求 @ 2012-03-21T16: Back Hot News
Keyword:首套房貸利率 優惠 銀行
Concept:北京3月21日 , 銀行首套房貸利率
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。
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。
    不過黃韜強調放松首套房貸利率並非針對所有用戶,且目前各行二套房貸政策未有松動跡象,股份制銀行首套房貸利率松動亦不明顯。廣州一股份制銀行人士昨日表示,目前其所在行首套房貸利率基本仍維持為基准。工行某支行人士稱目前工行首套房貸利率也維持在基准水平,但利率情況不會一成不變,今後優惠與否以及可以有多大優惠仍要看國家政策。

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