刚需委屈了?首套房贷利率最高上浮45%,楼市风向变了吗?

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This year, I really need to be a little wronged. I had to wait for the first-home loan interest rate to be lowered. Whoever decided to end up but got the first-home loan interest rate rose again, and the cost of buying a house for the housekeeper went up. I felt that the grievance could be understood. But one thing at a time, after all, the era of rapid development of real estate is over.

In the first half of 2019, the mortgage interest rate showed a downward trend before May, but there have been many cities that have raised their situation. This seems to be related to the current real estate market situation, because many cities have a tendency to overheat, and regulation is tightening. It is not difficult to understand the interest rate tightening.

In May 2019, the average interest rate of the first home loan in the country was 5.42%, down 6BP from the previous month. After half a year of continuous decline, the interest rate has been the lowest since 2018. But then the sound of the upward adjustment is endless.

In the second half of the year, another rhythm was opened, and the interest rate of many mortgage loans rose. In the past two weeks, Chengdu, Fuzhou (real estate), Suzhou (real estate), Nanjing (real estate), Hefei (real estate), Hangzhou (real estate) and other places in at least 14 cities, the first suite, the second suite mortgage rates have varying degrees Upward adjustment, and some banks have a tight quota and a long loan period. According to incomplete statistics, in July, many banks in Guangzhou (real estate) raised their mortgage interest rates, and returned to the market where the first home loan interest rate rose by 10% and the second set rose by 15%.

xx360数据研究所的数据监测表明,宁波(房地产)抵押贷款利率也开始悄然上升。宝商银行的第一套利率甚至高达45%,是每个城市银行中最高的。众所周知,宁波近期房地产市场非常火爆,土地拍卖的拍卖价格创下历史新高,抢房现象频繁发生。如果这是预期,抵押贷款利率的上升也是合理的。如果基准利率为4.9%,如果贷款为100万,则贷款为30年,总利息为91万元。如果增加45%,总利息为141万,购房成本为50万元!这对买家来说显然不符合成本效益。

这种信号已经很明显了。目前房地产市场形势发生了很大变化。稳定和良好的市场的市场趋势在一些城市面临挑战。这也警告买家,他们在买房时应该谨慎,不能再急于进入市场。但是你为什么要从买家开始呢?保护只是需要不是很好吗?第一次房屋贷款利率显然是针对需求的吗?

这要求我们冷静下来,并回想起过去,抵押贷款利率低,鼓励每个人买房,几乎增加杠杆到极端,富裕和无钱是疯狂和杠杆,但最终我们仍然需要支付,积累的风险需要解决,如果你敢于继续增加杠杆,那么很多人可能真的无法偿还贷款坏账。这必须防范银行。

在过去,一些无法买房的人也使用杠杆来买房子。既然政策收紧了,同样的杠杆率也不一定能够负担得起,更不用说加息了。显然,它是指导每个人理性地买房子。这并不是说你不被允许。购买,但有资格的能力可以考虑,没有这种能力,它只能暂时放心。此外,加息也是基于当前市场形势的政策。一定是市场经历了市场过热或其他条件,需要收紧政策。

总的来说,这轮抵押贷款利率可能会继续加息。不排除平均国家抵押贷款利率仍将下降,但随后可能有更多城市维持抵押贷款利率稳定,甚至一些热门城市。向上。当市场趋于稳定时,打击房地产投机的任务将会结束,也许它只会开始考虑买房只需要买家的问题。由于风险没有消除,后果可能很严重。

虽然随着市场稳定,抵押贷款利率将会放松,但无论如何,未来抵押贷款利率不太可能处于历史低位。毕竟,房地产市场的基本面已发生变化。房地产正在告别高速增长,并且还宣布过去公众匆忙的时代已经结束。

今年早些时候,央行回应了有关住房贷款和其他方面的问题,称抵押贷款利率虽然在上升,但仍处于相对较低的水平。与此同时,央行还认为,抵押贷款利率不会全面,可能会意外受伤,并将实施针对自住购房者的差别化利率政策。

这也意味着未来的监管将继续严格和稳定,总体方向没有改变。然而,城市严重分裂。无论是提高利率还是降低价格,都是基于稳定性。

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