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央行發特急文件 首套房貸利率最低可7折 @ 2012-06-15T09: Back Hot News
Keyword:房貸 利率
Concept:首套房貸利率
降息帶來的利好逐漸顯現,而首套房貸利率重回7折被寄予厚望。但本報記者的調查顯示,當前一線城市首套房貸利率主流仍為8.5折,只有極少數銀行可以做到7折,且申請條件仍相當嚴格。
不管8.5折也好,基准利率也罷,很多市民都認為,是2010年4月開始的調控,導致了首套房貸利率取消7折。
央行6月8日不僅調低了貸款基准利率,還將貸款利率浮動區間的下限調整為基准利率的0.8倍。那麼首套房貸利率會不會借勢下調呢?記者昨天從工行、建行、北京銀行、中信銀行等多家銀行的北京分行了解到,他們都還沒有接到調整首套房貸政策的通知。而去年剛成立的股份制商業銀行廣東華興銀行則迫不及待地宣布個人房貸利率最低可打7折。
銀行業內人士告訴記者,這一調整使二套房貸的資本耗用明顯降低,即降低了二套房貸的資金成本。對銀行而言,二套房貸的貸款利率為基准利率的1.1倍,而首套房貸的貸款利率普遍在基准利率八五折至基准利率之間,顯著低於二套房貸利率。在首套房貸和二套房貸的風險權重相當的前提下,商業銀行必然有擴大二套房貸占比的沖動。
張宏超稱,首套房貸利率有望打8折的消息傳出後,一些正在辦理交易過戶的買房人,已開始放慢申請貸款的速度,等待8折利率真正到來。

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