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年末房贷收紧 现在买房你的贷款能办下来么?

经济生活报道   2017-11-16 10:47

[摘要] “贷款放年头,存款冲年尾”,这种做法似乎是银行业一条不成文的内规,每年临近年底,房贷收紧是普遍现象,不过,今年房贷收紧的时间似乎比往年来得更早一些。

RDER-: 0px; FONT-FAMILY: "microsoft yahei"; BORDER-RIGHT: 0px; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: 0px; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(51,51,51); OUTLINE-WIDTH: medium; PADDING-BOTTOM: 15px !important; FONT-STYLE: normal; PADDING-: 15px !important; OUTLINE-STYLE: none; PADDING-LEFT: 32px !important; BORDER-LEFT: 0px; ORPHANS: 2; WIDOWS: 2; MARGIN: 0px; LETTER-SPACING: normal; OUTLINE-COLOR: invert; LINE-HEIGHT: 29px; PADDING-RIGHT: 32px !important; TEXT-INDENT: 2em; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px">“贷款放年头,存款冲年尾”,这种做法似乎是银行业一条不成文的内规,每年临近年底,房贷收紧是普遍现象,不过,今年房贷收紧的时间似乎比往年来得更早一些。

RDER-: 0px; FONT-FAMILY: "microsoft yahei"; BORDER-RIGHT: 0px; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: 0px; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(51,51,51); OUTLINE-WIDTH: medium; PADDING-BOTTOM: 15px !important; FONT-STYLE: normal; PADDING-: 15px !important; OUTLINE-STYLE: none; PADDING-LEFT: 32px !important; BORDER-LEFT: 0px; ORPHANS: 2; WIDOWS: 2; MARGIN: 0px; LETTER-SPACING: normal; OUTLINE-COLOR: invert; LINE-HEIGHT: 29px; PADDING-RIGHT: 32px !important; TEXT-INDENT: 2em; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px">最近,北上广深等一线城市首套房贷利率上调的消息牵动很多市民的心,深圳市银行业消费者权益保护促进会方面告诉记者,近期部分购房者向他们反映,即使拿到银行贷款承诺书,二手房按揭依然未能在约定的时间放款,这让不少人心急如焚。

RDER-: 0px; FONT-FAMILY: "microsoft yahei"; BORDER-RIGHT: 0px; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: 0px; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(51,51,51); OUTLINE-WIDTH: medium; PADDING-BOTTOM: 15px !important; FONT-STYLE: normal; PADDING-: 15px !important; OUTLINE-STYLE: none; PADDING-LEFT: 32px !important; BORDER-LEFT: 0px; ORPHANS: 2; WIDOWS: 2; MARGIN: 0px; LETTER-SPACING: normal; OUTLINE-COLOR: invert; LINE-HEIGHT: 29px; PADDING-RIGHT: 32px !important; TEXT-INDENT: 2em; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px" align="center">

RDER-: 0px; FONT-FAMILY: "microsoft yahei"; BORDER-RIGHT: 0px; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: 0px; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(51,51,51); OUTLINE-WIDTH: medium; PADDING-BOTTOM: 15px !important; FONT-STYLE: normal; PADDING-: 15px !important; OUTLINE-STYLE: none; PADDING-LEFT: 32px !important; BORDER-LEFT: 0px; ORPHANS: 2; WIDOWS: 2; MARGIN: 0px; LETTER-SPACING: normal; OUTLINE-COLOR: invert; LINE-HEIGHT: 29px; PADDING-RIGHT: 32px !important; TEXT-INDENT: 2em; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px">

RDER-: 0px; FONT-FAMILY: "microsoft yahei"; BORDER-RIGHT: 0px; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: 0px; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(51,51,51); OUTLINE-WIDTH: medium; PADDING-BOTTOM: 15px !important; FONT-STYLE: normal; PADDING-: 15px !important; OUTLINE-STYLE: none; PADDING-LEFT: 32px !important; BORDER-LEFT: 0px; ORPHANS: 2; WIDOWS: 2; MARGIN: 0px; LETTER-SPACING: normal; OUTLINE-COLOR: invert; LINE-HEIGHT: 29px; PADDING-RIGHT: 32px !important; TEXT-INDENT: 2em; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px">记者从房产中介方面了解到相同的说法。有中介人员表示,今年从二季度开始,房贷放款就逐步出现紧张状态,此前办理按揭、赎楼等整个二手房交易流程,大概只需一到两个月即可办完,但随着各家银行收紧政策,房贷迟迟没有发放下来,导致有些交易三到六个月仍未完成。

RDER-: 0px; FONT-FAMILY: "microsoft yahei"; BORDER-RIGHT: 0px; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: 0px; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(51,51,51); OUTLINE-WIDTH: medium; PADDING-BOTTOM: 15px !important; FONT-STYLE: normal; PADDING-: 15px !important; OUTLINE-STYLE: none; PADDING-LEFT: 32px !important; BORDER-LEFT: 0px; ORPHANS: 2; WIDOWS: 2; MARGIN: 0px; LETTER-SPACING: normal; OUTLINE-COLOR: invert; LINE-HEIGHT: 29px; PADDING-RIGHT: 32px !important; TEXT-INDENT: 2em; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px" align="center">

RDER-: 0px; FONT-FAMILY: "microsoft yahei"; BORDER-RIGHT: 0px; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: 0px; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(51,51,51); OUTLINE-WIDTH: medium; PADDING-BOTTOM: 15px !important; FONT-STYLE: normal; PADDING-: 15px !important; OUTLINE-STYLE: none; PADDING-LEFT: 32px !important; BORDER-LEFT: 0px; ORPHANS: 2; WIDOWS: 2; MARGIN: 0px; LETTER-SPACING: normal; OUTLINE-COLOR: invert; LINE-HEIGHT: 29px; PADDING-RIGHT: 32px !important; TEXT-INDENT: 2em; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px">

RDER-: 0px; FONT-FAMILY: "microsoft yahei"; BORDER-RIGHT: 0px; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: 0px; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(51,51,51); OUTLINE-WIDTH: medium; PADDING-BOTTOM: 15px !important; FONT-STYLE: normal; PADDING-: 15px !important; OUTLINE-STYLE: none; PADDING-LEFT: 32px !important; BORDER-LEFT: 0px; ORPHANS: 2; WIDOWS: 2; MARGIN: 0px; LETTER-SPACING: normal; OUTLINE-COLOR: invert; LINE-HEIGHT: 29px; PADDING-RIGHT: 32px !important; TEXT-INDENT: 2em; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px">随后,记者走访银行进行询问。有工作人员解释称,房贷额度紧张,除了受每逢年底银行资金紧张影响外,近期总行层面要求要配合房地产调控政策,控制房贷额度投放,所以房贷审批变得更加严格了。

RDER-: 0px; FONT-FAMILY: "microsoft yahei"; BORDER-RIGHT: 0px; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: 0px; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(51,51,51); OUTLINE-WIDTH: medium; PADDING-BOTTOM: 15px !important; FONT-STYLE: normal; PADDING-: 15px !important; OUTLINE-STYLE: none; PADDING-LEFT: 32px !important; BORDER-LEFT: 0px; ORPHANS: 2; WIDOWS: 2; MARGIN: 0px; LETTER-SPACING: normal; OUTLINE-COLOR: invert; LINE-HEIGHT: 29px; PADDING-RIGHT: 32px !important; TEXT-INDENT: 2em; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px" align="center">

RDER-: 0px; FONT-FAMILY: "microsoft yahei"; BORDER-RIGHT: 0px; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: 0px; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(51,51,51); OUTLINE-WIDTH: medium; PADDING-BOTTOM: 15px !important; FONT-STYLE: normal; PADDING-: 15px !important; OUTLINE-STYLE: none; PADDING-LEFT: 32px !important; BORDER-LEFT: 0px; ORPHANS: 2; WIDOWS: 2; MARGIN: 0px; LETTER-SPACING: normal; OUTLINE-COLOR: invert; LINE-HEIGHT: 29px; PADDING-RIGHT: 32px !important; TEXT-INDENT: 2em; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px">

RDER-: 0px; FONT-FAMILY: "microsoft yahei"; BORDER-RIGHT: 0px; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: 0px; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(51,51,51); OUTLINE-WIDTH: medium; PADDING-BOTTOM: 15px !important; FONT-STYLE: normal; PADDING-: 15px !important; OUTLINE-STYLE: none; PADDING-LEFT: 32px !important; BORDER-LEFT: 0px; ORPHANS: 2; WIDOWS: 2; MARGIN: 0px; LETTER-SPACING: normal; OUTLINE-COLOR: invert; LINE-HEIGHT: 29px; PADDING-RIGHT: 32px !important; TEXT-INDENT: 2em; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px">那么交了首付款,房贷按揭却迟迟没下来,买家是否要承担违约责任呢?对此,有律师表示,如果是因为国家政策调整,情势变更导致贷款无法发放,买方可以不承担违约责任,但如果只是因为银行业务的调整,导致卖方在约定时间内没有拿到房款,买方则可能要承担相应的违约责任。

RDER-: 0px; FONT-FAMILY: "microsoft yahei"; BORDER-RIGHT: 0px; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: 0px; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(51,51,51); OUTLINE-WIDTH: medium; PADDING-BOTTOM: 15px !important; FONT-STYLE: normal; PADDING-: 15px !important; OUTLINE-STYLE: none; PADDING-LEFT: 32px !important; BORDER-LEFT: 0px; ORPHANS: 2; WIDOWS: 2; MARGIN: 0px; LETTER-SPACING: normal; OUTLINE-COLOR: invert; LINE-HEIGHT: 29px; PADDING-RIGHT: 32px !important; TEXT-INDENT: 2em; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px" align="center">

RDER-: 0px; FONT-FAMILY: "microsoft yahei"; BORDER-RIGHT: 0px; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: 0px; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(51,51,51); OUTLINE-WIDTH: medium; PADDING-BOTTOM: 15px !important; FONT-STYLE: normal; PADDING-: 15px !important; OUTLINE-STYLE: none; PADDING-LEFT: 32px !important; BORDER-LEFT: 0px; ORPHANS: 2; WIDOWS: 2; MARGIN: 0px; LETTER-SPACING: normal; OUTLINE-COLOR: invert; LINE-HEIGHT: 29px; PADDING-RIGHT: 32px !important; TEXT-INDENT: 2em; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px">此外,有业内人士建议,如果一家银行贷款批不下来,购房者可以换一家银行试试。另外,如果交了首付后,确实没办法补齐剩下的贷款,购房者可以考虑找担保公司先行垫付,但这样做的话,需要支付许多额外的费用。

标签: 房贷 收紧

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