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S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S

全国首套房贷利率迎来“九连涨”

2017-10-17 17:23  来源:北京日报

  随着全国房地产调控加码,楼市信贷再收紧。据融360最新监测数据显示,9月全国首套房贷平均利率为5.22%,相当于基准利率的1.06倍,为年内第九次上涨,上涨速度呈放缓趋势。

  随着银行资金成本持续走高,利率优惠继续“缩水”,超九成银行不再提供利率优惠。具体来看,在全国35个城市533家银行中,9月有137家银行首套房利率上升,占比25.70%;与上月持平的有367家银行,占比68.86%;还有36家银行分(支)行因额度等原因暂停受理房贷业务。在533家银行中,有485家不再提供优惠利率(不含停贷36家),占比高达91.0%。

  记者发现,19家主要银行中多数银行首套利率均为基准上浮,最低为基准1.02倍,最高为基准1.1倍。其中,工商银行、农业银行、中国银行、建设银行国有四大行平均利率在基准上浮5%至7%之间,较上月上涨1个百分点,银行总体平均值保持在基准上浮6%水平。

  二套房贷方面,9月二套房贷平均利率5.60%,去年同期为5.39%。533家银行中,除36家停贷的银行外,有278家银行执行基准利率上浮10%,较上月减少62家;执行基准利率上浮15%的有44家;上浮20%的有149家,较上月增加33家;16家银行执行基准利率上浮30%,较上月新增5家。

  “随着流动性收缩、银行负债成本上升,资产收益下行,导致银行的收入及利润承压,再加上信贷额度限制,逐步减弱房贷折扣、提高房贷利率就成为银行的必然选择?!比?60分析师李万赋说。

  此外,融360监测数据显示,超九成银行表示,目前均面临额度不充裕的问题,放款时间由以往的15至60天延长到60至180天不等。在放款时间方面,以北京为例,23家开展房贷业务的银行中,兴业、渣打、农行、建行、中信等执行30日放款,中行、汇丰银行、华夏银行、渤海银行等则延至60日。(记者 范晓)

编辑:钟雅欢

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