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房貸放松沒影 地產股塌了 @ 2012-06-16T11: Back Hot News
Keyword:房貸
Concept:首套房貸利率 , 央行6月7日
與首套房貸可享受利率優惠不同的是,享受過房貸兩次甚至以上的購房人頭疼的是如何才能再申請房貸,「首付6成,利率上浮10%,這些條件我都接受,關鍵問題是銀行不給我貸款呀」,家住海珠區的吳小姐與家人共擁有兩套房產即使賣掉現有物業,也不能再申請房貸了。
第一家“吃螃蟹”的是廣東華興銀行。6月10日,該行客服稱,對首套房貸的申請者可以提供低至7折利率優惠,對申辦第二套房貸,該行仍嚴格對現行基准利率上浮1.1倍的政策。不過,該客服人員亦強調,最終是否能申請到7折房貸利率優惠,還要視客戶的資信狀況而定。
前日,銀監會正式發布的《商業銀行資本管理辦法(試行)》,對二套房貸與首套房貸給予同樣的風險權重。業內人士認為,這一調整有效降低了二套房貸的資金成本,可能會促進銀行發放二套房貸款。
央行:「首套房貸利率七折」是曲解政策

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