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9月30日,央行宣布房贷认定新标准,并重申贷款购买首套普通自住房,贷款利率最低可打7折。2010年房地产调控之后,7折的房贷就基本消失了。随着银行利率市场化改革压力加大,银行渐渐把钱都贷给了利润更加丰厚的小微企业。从2012年开始,部分银行已经开始逐步压缩房贷业务,转战收益更高的消费抵押贷款、中小企业贷款领域,7折政策名存实亡。目前北京地区首套房利率最低折扣也仅为9.5折优惠。
September 30, the central bank announced a new standard of home loans, and reiterated that loans to buy the first set of ordinary self-housing, the lowest interest rates can hit 7 fold loan. Real estate regulation in 2010, 7 fold of the mortgage basically disappeared. As the market pressure on bank interest rates intensified, banks gradually lend money to the more profitable small and micro enterprises. Since 2012, some banks have begun to gradually reduce their mortgages and fought into higher-yield consumer mortgages and loans for small and medium-sized enterprises, with 70% of their policies in name only. At present, Beijing’s first suite of the lowest interest rate discount is only 9.5% discount.