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第二套房貸款利率將大幅提高
Central bank may raise mortgage rate
[ 2007-09-26 14:48 ]

The central bank is expected to increase the interest rate of mortgage loans to 1.1 times the benchmark one-year lending rate this week, sources said.

The central bank is expected to increase the interest rate of mortgage loans to 1.1 times the benchmark one-year lending rate this week, sources said.

The move is an attempt to curb the rise in house prices and speculation in the property market.

The current five-year lending rate has reached 7.83 percent after the central bank raised the interest rate for the fifth time this year on September 13.

This means the interest rate for five-year mortgage loans could reach as high as 8.613 percent if the central bank makes a move this week.

"With the expansion of mortgage loans, and as the central bank continuously raises interest rates, mortgage loans are beginning to face a high risk of default," China Construction Bank (CCB) said in its latest report.

Total non-performing mortgage loans in three major commercial banks - CCB, the Industrial and Commercial Bank of China, and Bank of China - rose to 19.2 billion yuan at the end of 2006 from 18.4 billion yuan in 2005, according to CCB.

The central bank is likely to stipulate commercial banks to raise mortgage deposits to at least 40 percent for homebuyers who intend to buy a second apartment, according to the source.

"Homebuyers will have to make a down payment of 40 percent to buy a second apartment, and for apartments for commercial use, the down payment will be raised to as high as 50 percent," he said.

The minimum deposit for an apartment of more than 90 sq m is currently 30 percent while for apartments less than 90 sq m it's 20 percent.

The central bank will also require commercial banks to stop lending to property developers who hoard land and house for speculation purposes, according to the source.

Property prices in 70 major cities jumped 8.2 percent in August from a year earlier after gaining 7.5 percent in July, according to figures from the National Development and Reform Commission.

Housing prices in Beijing rose 12.1 percent from a year earlier, while prices in Shenzhen went up 20.8 percent.

 點擊查看更多雙語新聞


(China Daily)

據消息人士稱,央行擬于本周將房貸利率提高至一年期貸款基準利率的1.1倍。

這一舉措主要是為了控制房價的上漲和房地產市場的投機行為。

9月13日央行年內第五次加息后,目前的五年期貸款利率已達到7.83%。

如果央行本周實施這一舉措,這意味著五年期房貸利率將提高至8.613%。

中國建設銀行在其發布的最新報告中提到:“隨著抵押貸款規模的擴大,以及央行連續加息,銀行將面臨房貸拖欠的高風險。”

據建行介紹,中國建設銀行、中國工商銀行及中國銀行三大國有商業銀行的不良房貸總量已從2005年的184億元人民幣上升至2006年底的192億元人民幣。

據消息人士稱,央行可能會將第二套房屋的按揭首付比例提高到至少40%。

他說:“如果買第二套房子,得交40%的首付;如果買商用房,首付比例將提高至50%。”

目前,90平米以上房屋的貸款首付比例為30%,90平米以下房屋的首付比例為20%。

央行還將要求商業銀行停止向以投機為目的的囤地、囤房的房地產商放貸。

據國家發改委的數據統計,8月份全國70個主要城市的房價比去年同期上漲了8.2%,7月上漲了7.5%。

北京的房價比去年同期上漲了12.1%,深圳的漲幅達到了20.8%。

(英語點津姍姍編輯)

 

Vocabulary: 

homebuyer:購房者

downpayment:首付

 
 
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