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多地二手房首套房贷款利率降至5%以下,部分地区成交有所回升

2024-07-13 20:09:52 浏览:84

多地二手房首套房贷款利率降至5%以下 部分地区成交有所回升

今年以来,各地房贷利率下降屡见不鲜。进入3月份以来,多地二手房的首套房贷款利率已经下调至5%以下,个别地区开始出现4.6%的利率,与本月5年期以上LPR报价持平。另外,不少银行表示,购房者备齐资料,待审批完成后银行普遍能在2周内完成放款。

易居研究院智库中心研究总监严跃进对《证券日报》记者表示,过去多数贷款利率还是超过5%的水平,当前房贷利率出现和LPR齐平的现象,有助于市场回暖。从购房者的角度看,这确实对后续还款有很大的减负效应。对于银行来说,当前放贷的节奏确实需要加快,真正为客户降低按揭贷款成本。

多地房贷利率下调

据《证券日报》记者不完全统计,3月份以来,多地房贷利率普遍下调,目前已有上海、深圳、哈尔滨、苏州等地出现二手房的首套房贷款利率低于5%的情况。记者以购房者身份咨询了多地银行支行网点。

哈尔滨部分国有大行工作人员对《证券日报》记者表示,自3月23日起,对新签约的新房和二手房的首套房贷款利率进行下调,由此前的4.95%和5.05%分别下降为4.75%和4.85%。

同时,部分股份行也纷纷下调二手房的首套房贷款利率,由一个月之前的5%以上下调到目前的4.95%左右。据部分银行的个贷经理介绍,是否拿到最低房贷利率,取决于个人资质,主要包括工作单位、征信以及收入。另外,也有银行明确要求,贷款客户需要与银行指定的中介公司看房才能享受最低贷款利率。

郑州某银行工作人员告诉记者,二手房的首套房贷款利率近期下降至5%以下。记者调查发现,今年以来,苏州地区房贷利率经历多次下调,3月份以来,该地区多家银行的首套房最低贷款利率与5年期以上LPR利率持平。而一线城市中,目前深圳、上海等地多家银行二手房的首套房贷款利率低于5%。

对于多地银行下调房贷利率的原因,广东省住房政策研究中心首席研究员李宇嘉向《证券日报》记者表示,房贷利率挂钩LPR制度以后,根据因城施策的原则,不是所有的城市房贷利率都在下调,只是说楼市成交量和预期下降比较明显的城市,或者是前期利率上涨比较明显的城市,就要需要把LPR加点的水平降下来。

另据贝壳研究院的监测,3月份,房贷利率降幅创2019年以来月度最大降幅,房贷环境宽松。103个城市中82个城市房贷主流利率下调,包括苏州、深圳、上海等20个城市首套房贷利率低于5%。

李宇嘉认为,后续还会有很多城市下调房贷利率,但是不会出现突破首套房贷款利率低于LPR的情况。2020年以来,上调房贷利率的城市比较多,预计大部分城市未来都会在利率上有所下调。

二季度市场有望进一步修复

友好的信贷环境有效地带动了市场成交。近期,部分地区二手房市场成交量有所回升。二手房市场回暖得到了部分房产中介的印证。

“目前,苏州相对优惠的房贷利率确实吸引了不少购房者。”苏州市多位房产经纪人对《证券日报》记者表示,这几天看房的客户明显增多,特别是刚需和改善型住宅客户居多。

“今年以来,郑州二手房市场就有了小幅度回暖迹象。”郑州市某房产公司的经纪人告诉记者,随着部分银行二手房贷款利率下调、放款提速,一些前期有意向的购房者近期又开始主动联系看房。

贝壳研究院数据显示,3月份以来(3月1日至17日),其监测的50个城市二手房日均成交量较2月份(春节后)日均成交水平增长约17%,周度房价指数保持平稳;二手房市场供需活跃度也提高,贝壳50个城市二手房新增带看客户量与新增挂牌房源量均较2月(春季后)的日均水平提高。

据诸葛找房研究院统计,截至3月21日,已有近60个城市对楼市调控政策进行了优化。

对此,贝壳研究院首席市场分析师许小乐对《证券日报》记者表示,在宏观政策稳健的框架下,住房信贷环境进一步趋暖,促使二手房市场成交回升。当前市场预期仍较弱,需求端信心尚未完全恢复。预计未来信贷环境保持友好,地方支持性调控政策进一步出台,将精准引导合理住房需求的释放。

严跃进表示,“预计今年二季度房地产市场总体是回暖的,市场需求明显向好,二季度也是各地稳经济增长一个很重要的关键点。”

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