[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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RDER-: windowtext;HEIGHT: 33pt;BORDER-RIGHT: windowtext 0.5pt solid;WIDTH: 38pt;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext 0.5pt solid;BACKGROUND-COLOR: #92d050" height="44" rowspan="2" width="51">城市 | RDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid;WIDTH: 56pt;BORDER-BOTTOM: black 0.5pt solid;BORDER-LEFT: windowtext 0.5pt solid;BACKGROUND-COLOR: #92d050" rowspan="2" width="74">银行 | RDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid;WIDTH: 56pt;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: #92d050" width="74">首套房 | RDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid;WIDTH: 56pt;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: #92d050" width="74"> | RDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid;WIDTH: 56pt;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: #92d050" width="74">二套房 | RDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid;WIDTH: 56pt;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: #92d050" width="74"> |
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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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