郵儲(chǔ)銀行調(diào)整二手房貸款政策,引發(fā)市場(chǎng)關(guān)注
來(lái)源:維思邁財(cái)經(jīng)2024-06-25 09:04:42
近日,郵儲(chǔ)銀行宣布將調(diào)整二手房貸款政策,這一舉措立即引發(fā)了市場(chǎng)的廣泛關(guān)注和熱議。作為國(guó)內(nèi)領(lǐng)先的金融機(jī)構(gòu)之一,郵儲(chǔ)銀行此次調(diào)整舉動(dòng)不僅影響著眾多購(gòu)房者、開(kāi)發(fā)商和經(jīng)紀(jì)人,更牽動(dòng)著整個(gè)樓市格局。
據(jù)悉,此次郵儲(chǔ)銀行對(duì)二手房貸款政策進(jìn)行了較大幅度的調(diào)整,在過(guò)去幾年里備受追捧的“首套利率”、“最低首付比例”等優(yōu)惠條件或?qū)⒚媾R變革。業(yè)內(nèi)人士指出, 隨著監(jiān)管政策逐步收緊以及風(fēng)險(xiǎn)防范意識(shí)增強(qiáng), 銀行在審慎性管理方面愈加謹(jǐn)慎,并開(kāi)始有所趨于保守。
針對(duì)這一新政策,《記者》采訪了多位專(zhuān)家學(xué)者和相關(guān)從業(yè)者。其中浙江省地產(chǎn)協(xié)會(huì)副秘書(shū)長(zhǎng)表示,“隨著各項(xiàng)信貸政策相繼落地實(shí)施, 未來(lái)資金鏈條可能會(huì)進(jìn)一步趨緊?!倍持谭治鰩焺t認(rèn)為,“尤其是部分三四線城市樓盤(pán)庫(kù)存壓力持續(xù)存在、成交量下滑明顯時(shí), 謹(jǐn)言慎行勸退投資客也就順理成章?!?br>
除此之外,《記者》還走訪了當(dāng)?shù)鼐用瘾@取他們對(duì)于該事件看法。“我們?cè)敬蛩阃ㄟ^(guò)按揭買(mǎi)入一個(gè)小戶(hù)型用做自己居住,” 某80后白領(lǐng)稱(chēng)道:“但現(xiàn)在看來(lái)要重新評(píng)估是否值得承擔(dān)如今高額頭期費(fèi)用.” 類(lèi)似聲音并非少數(shù). 另外亦有中介公司代表提到,"考慮到當(dāng)前形勢(shì)與前景預(yù)計(jì)恢復(fù)緩慢 , 封閉式運(yùn)營(yíng)模式已無(wú)可遁形."
總體來(lái)說(shuō) ,由郵儲(chǔ)銀行推出的這項(xiàng)重磕離岸板塊決定被視為倒逼企事業(yè)單位查演責(zé)任主題活動(dòng)制約因素再深化; 對(duì)全球公共治理極具啟示價(jià)值 。然而 這只是問(wèn)題解讀角色取向上初級(jí)水平感覺(jué) 存在很大改進(jìn)空間.
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