"330"新政将满月 潍坊二套房首付比例4成居多

房天下房天下  作者：綦光海  2015-04-23 00:30

[摘要] 3月30日，央行、住建部、银监会联合下发通知，对拥有一套住房且相应购房贷款未结清的居民家庭购二套房，低首付款比例调整为不低于40%。在“330”新政还没满月之际，央行再出重拳，于4月20日降准1%，可以说是加速“330”新政的落地，楼市正在逐步企稳回升。

房天下房天下讯 3月30日，央行、住建部、银监会联合下发通知，对拥有一套住房且相应购房贷款未结清的居民家庭购二套房，低首付款比例调整为不低于40%。在“330”新政还没满月之际，央行再出重拳，于4月20日降准1%，可以说是加速“330”新政的落地，楼市正在逐步企稳回升。

放眼潍坊楼市，新政落地情况如何？潍坊各大银行二套房首付比例降了吗？

房天下房天下走访潍坊各大银行发现，大多数银行已经将二套房首付比例降至低4成，房贷利率方面，首套房以基准利率居多，而购买二套房的房贷利率大多上浮。首付比例降低，而且央行降准后可贷款额度明显增加，对潍坊购房者尤其是改善型购房的置业一族来说，是极大的利好消息。

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在二套房方面，房天下记者了解到，目前潍坊大多数银行已将二套房贷款首付比例降至4成，如工行、建行、交行、招行等，其中工商银行是刚刚做了调整，而交行是在“330”新政后，便很快下调了首付比例。另外，潍坊银行、中国银行以及农业银行则将二套房首付比例继续维持低6成，潍坊银行北宫支行负责人介绍说，暂时没接到下调的通知，但不排除后期下调二套房首付比例的可能。

房贷利率方面，购买首套房进行商业贷款时，在不少银行可以享受基准利率，但较热门的工行、建行、农行等首套房贷款利率依然上浮，其中工行、农行及邮政储蓄银行上浮10%，而建设银行则上浮3%。房天下房天下在建行了解到，目前执行的贷款利率为本周刚刚下调，早前首套房贷款利率上浮10%，而二套房要上浮15%，不过负责人也提到， 购买大观天下的房子也可以享受到基准利率的福利。

另外，除华夏银行执行基准利率外，潍坊各大银行的二套房房贷利率都上浮。其中，工商银行与农业银行上浮20%，交通银行上浮15%，其余银行都是在基准利率基础上上浮10%。值得一提的是，招商银行的负责人表示，对于优质客户会有提供利率折扣的可能。

值得注意的是，未买房的置业者现在贷款，即可按新的利率走，已批贷或正在还款的购房者，则大多从2016年1月1日起执行新的利率。在业内看来，央行降准之后，很有可能有下一波降息动作随之到来，在楼市利好的政策刺激下， 潍坊楼市回暖还远吗？

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