56家银行暂停房贷业务?央行数据透露重要原因

作者: 发布时间:2017-12-09 17:20:06  来源: [手机访问]
导读: 融360最新的房贷报告显示,11月全国首套房平均利率为5.36%,相当于基准利率的1.09倍,环比10月上升1.13个百分点;同比去年10月首套房贷款平均利率4.44%,上升20.
56家银行暂停房贷业务?央行数据透露重要原因

融360最新的房贷报告显示,11月全国首套房平均利率为5.36%,相当于基准利率的1.09倍,环比10月上升1.13个百分点;同比去年10月首套房贷款平均利率4.44%,上升20.72个百分点。在融360监测的35个城市首套房贷款平均利率中,最低值为厦门4.93%,最高值为郑州达5.77%。

56家银行暂停房贷业务?央行数据透露重要原因

56家银行暂停房贷业务?央行数据透露重要原因

56家银行暂停房贷业务?央行数据透露重要原因

停贷银行增加到56家,存款不足是关键

具体来看,2017年11月在全国35个城市533家银行中,有86家银行首套房贷款利率上升,占比16.13%;有24家银行首套房贷款利率下降,占比4.50%;有388家银行首套房贷款利率与上月持平,占比72.79%,维持利率不变的银行占了主流,暂停房贷业务的银行数量增长显著。本月共有56家银行分(支)行因额度等原因暂停受理首套房贷业务,较上月新增14家银行分(支)行。

56家银行暂停房贷业务?央行数据透露重要原因

临近年底,不少购房人吐槽放款慢,有的提交申请后被告知额度不足放不了款。今年以来,相当一部分银行都感受到吸收存款更难了。根据央行的统计,截至2017年三季度末,8家上市股份制银行平均存款增速年化比率仅为2%,远低于2016年末7.8%的全年平均增速。从全行业来看,到2017下半年,银行业存款增速跌破10%以下。

56家银行暂停房贷业务?央行数据透露重要原因

2011年1月-2017年9月金融机构全部存款增速情况(数据来源:央行,图片来源:券商中国)

不仅仅是存款增速,过去半年,中国个人活期存款和流通中货币(现金)合计大幅减少3万多亿人民币,而这个数据在去年上半年也仅仅是1500亿元。尤其是中小银行的资金压力最大,也正因为如此,部分银行暂停了房贷业务,或者提高房贷利率,来暂时缓解压力。有信贷员表示,因为明年有了新的额度,客户今年提交申请,可能要等明年才能放款。

56家银行暂停房贷业务?央行数据透露重要原因

从另一个角度理解的话,就是银行存款减少,意味着大家把钱取出来干别的了,理财投资是一方面,用来还债也是一方面,这其中还房贷的人就占了相当大一部分,在老百姓的观念里,如果手里资金足够多,买房是最能增值保值的,这个观念在短期内也是很难改变的。

56家银行暂停房贷业务?央行数据透露重要原因

建设银行首推租房贷款支持租赁市场

那边有银行为房贷额度发愁,这边就有银行推陈出新,推出了“租房贷款”产品,11月份,建设银行深圳分行与11家房地产公司签订合作协议,联合房企推出首批长租房5481套,其中大部分是由售转租的精装修全新房源。个人申请“按居贷”,需签订一年及以上的租赁合同,年龄满22周岁,有稳定收入和偿还贷款本息的能力,个人信用良好。最高贷款额度100万元,一年期贷款利率为4.35%,1-5年期贷款利率为4.75%,期限最长为10年,单次支用期限最长5年,且不超过租赁合同的期限和租金金额。

建行的这个创新做法,有些迎合了未来主推的住房租赁体系,在信贷额度紧张的情况下,特意留出一部分资金优先发放“按居贷”,同时为了防止借款人将资金用于其他用途,银行将采用大数据监控,做到有备无患。不过有租客觉得,还半天贷款最后租的房子还是别人的,买房贷款还完了房子就是自己的了,在心理上就不能接受。话虽这么说,将来租房子是大趋势,现在已经有银行开辟先河,以后估计会有更多银行效仿,加入长租市场,毕竟最先抢占先机的才能优先获得发展优势。

不过,融360说房君倒是觉得,银行从牙缝里挤出钱来支持租房发展,有些贷不到款买房人看了恐怕要上火了。

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}, shareInfo: { shareUrl: 'https://m.toutiao.com/group/6497114597307187725/', abstract: '融360最新的房贷报告显示,11月全国首套房平均利率为5.36%,相当于基准利率的1.09倍,环比10月上升1.13个百分点;同比去年10月首套房贷款平均利率4.44%,上升20.72个百分点。在融360监测的35个城市首套房贷款平均利率中,最低值为厦门4.
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