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中国多家银行房贷利率上浮 且难保证放款时间

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发表于 2013-10-12 11:47:32 | 显示全部楼层 |阅读模式
今年6月以来的放贷难至今未得缓解。记者走访中国15家中资银行网点获悉,截至昨日已有8家银行提高首套房贷款利率5%-30%,二套房有的最高上浮 50%,且多数银行表示难以保证具体放款时间。良策按揭总经理潘鉴明认为,第四季度银行额度仍然紧张,预计得到明年年初才会缓解,但利率会否回调至基准或下调仍较难预测。
    “8月份我们支行只放了一天款就没额度了,到现在还没放过。”前日,中信银行(3.86, -0.03, -0.77%)珠江新城支行人士告知,该行目前首套房贷利率已上浮30%,二套房更上浮50%-60%。在其附近的中国银行负责信贷的人士亦称,首套房贷利率已上浮15%,而且“不知什么时侯才放款”,他推荐去附近的公积金中心办理公积金贷款。交通银行(4.29, -0.01, -0.23%)珠江新城支行的信贷人士表示,目前交行首套房贷利率亦上浮5%。
    9月2日,记者采访中国20多家中外资银行时,首套房贷都还有基准利率,不过有多家银行因为没有贷款额度而暂停受理房贷业务。大约在此后一周,有银行开始陆续上浮房贷利率。
    工商银行东兴支行人士称,目前该行首套房贷利率上浮10%,二套房上浮25%,放款时间有可能排到明年。五羊新城的农行也从这周开始,首套房贷利率上浮了5%。天河一家广发银行[微博]信贷人士亦称,目前该行首套房贷利率上浮20%,“如愿上浮30%、40%,放款更快”。他说,上浮利率后在递件过户三天内就可放款。
    在记者调查的15家银行中,只有建行、中行等6家银行对首套房还有基准利率,但除建行、中行能允诺在两三个月内放款外,其余4家都未能给出具体放款时间,邮储银行至今暂未恢复受理房贷。
    不过,外资银行如渣打银行、恒生银行等,针对首套房贷仍有85折利率优惠。
    分析
    银行全年房贷额度
    预计11月中旬会用完
    “今年上半年银行的房贷额度使用相对多,下半年相对趋紧,基本每个季度的前一个半月会有较多额度,而后一个半月就会紧张。”满堂红研究部高级经理周峰分析,目前银行提高房贷利率,“说明还有一定资金预备量供房贷使用”。他认为,银行今年房贷额度或到11月中旬使用完毕,由于申请的客户多,遂从中选择支付高利率的客户优先放款,以提高银行利润。
    周峰认为,买家如果愿意多给一成的首付,银行相对会较爽快放款。
    良策按揭总经理潘鉴明认为,银行在额度收紧的情况下提高利率属正常,“按往年情况分析,每到四季度银行额度都会紧张,加之银行要考虑综合收益,所以会提高利率”。他认为,银行或要到明年年初才会放松房贷利率,但是否会回复基准或下调也较难预测。

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