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近日,银行房贷政策终于出现松口迹象。数据显示,北京28家银行,有6家银行不同程度地下调了首套房贷款利率,其中民生银行由此前的停贷转为首套房基准利率放贷,暂时停止贷款的银行也减少到了6家,分别为江苏银行、花旗银行、平安银行、天津银行、杭州银行、广发银行。(8月19日《证券日报》)长期以来,我国房地产企业基本上都是高杠杆发展模式,多借钱加杠杆,杠杆越高净资产收益率就越高,企业发展就越快,也就造成了负债率居高不下。随着最近的一轮房价上涨,2013年
Recently, bank mortgage policy finally appeared signs of easing. Data show that Beijing’s 28 banks, six banks to varying degrees, down the first suite of mortgage interest rates, Minsheng Bank from the previous suspension of loans to the first suite benchmark interest rate loans, banks to temporarily stop the loan has also been reduced to six, namely Jiangsu Bank, Citibank, Ping An Bank, Tianjin Bank, Hangzhou Bank, Guangdong Development Bank. (Securities Daily on August 19) For a long time, the real estate enterprises in our country have basically all been in a highly leveraged development mode. They borrow more and borrow more. The higher the leverage, the higher the return on net assets and the faster the development of the enterprise. Resulting in a high debt ratio. With the recent round of housing price increases, 2013