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房贷利率上浮会取消?今年不会,明年更没戏!

房天下   2017-11-17 10:47

RDER-: medium none; FONT-FAMILY: 宋体; BORDER-RIGHT: medium none; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: medium none; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(0,0,0); PADDING-BOTTOM: 24px; FONT-STYLE: normal; PADDING-: 0px; PADDING-LEFT: 0px; BORDER-LEFT: medium none; ORPHANS: 2; WIDOWS: 2; MARGIN: 0px; LETTER-SPACING: normal; LINE-HEIGHT: 24px; PADDING-RIGHT: 0px; TEXT-INDENT: 0px; -webkit-text-stroke-width: 0px; font-variant-ligatures: normal; font-variant-caps: normal"> 昨天收到一位朋友的私信,内容是这样的:

RDER-: medium none; FONT-FAMILY: 宋体; BORDER-RIGHT: medium none; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: medium none; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(0,0,0); PADDING-BOTTOM: 24px; FONT-STYLE: normal; PADDING-: 0px; PADDING-LEFT: 0px; BORDER-LEFT: medium none; ORPHANS: 2; WIDOWS: 2; MARGIN: 0px; LETTER-SPACING: normal; LINE-HEIGHT: 24px; PADDING-RIGHT: 0px; TEXT-INDENT: 0px; -webkit-text-stroke-width: 0px; font-variant-ligatures: normal; font-variant-caps: normal">  RDER-: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; PADDING-BOTTOM: 0px; PADDING-: 0px; PADDING-LEFT: 0px; BORDER-LEFT: medium none; MARGIN: 0px; PADDING-RIGHT: 0px">“三万,你好,现在在杭州买房,首套房银行利率上浮百分之15,上个月才百分之10,是不是因为快到年底了,银行贷款额度低,过了年,会不会好些的?利率会不会上浮少的?”

RD-SPACING: 0px; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(0,0,0); PADDING-BOTTOM: 0px; FONT-STYLE: normal; PADDING-: 0px; PADDING-LEFT: 0px; ORPHANS: 2; WIDOWS: 2; MARGIN: 0px; LETTER-SPACING: normal; PADDING-RIGHT: 0px; TEXT-INDENT: 0px; -webkit-text-stroke-width: 0px; font-variant-ligatures: normal; font-variant-caps: normal">

RDER-: medium none; FONT-FAMILY: 宋体; BORDER-RIGHT: medium none; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: medium none; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(0,0,0); PADDING-BOTTOM: 24px; FONT-STYLE: normal; PADDING-: 0px; PADDING-LEFT: 0px; BORDER-LEFT: medium none; ORPHANS: 2; WIDOWS: 2; MARGIN: 0px; LETTER-SPACING: normal; LINE-HEIGHT: 24px; PADDING-RIGHT: 0px; TEXT-INDENT: 0px; -webkit-text-stroke-width: 0px; font-variant-ligatures: normal; font-variant-caps: normal">  相信这种情况并不是杭州仅有的。早在今年5月份,35城,122家银行,就已经争相上调首套房利率了。从10月份融360发布的房贷报告中,已经很能说明情况。

RDER-: medium none; FONT-FAMILY: 宋体; BORDER-RIGHT: medium none; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: medium none; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(0,0,0); PADDING-BOTTOM: 24px; FONT-STYLE: normal; PADDING-: 0px; PADDING-LEFT: 0px; BORDER-LEFT: medium none; ORPHANS: 2; WIDOWS: 2; MARGIN: 0px; LETTER-SPACING: normal; LINE-HEIGHT: 24px; PADDING-RIGHT: 0px; TEXT-INDENT: 0px; -webkit-text-stroke-width: 0px; font-variant-ligatures: normal; font-variant-caps: normal">  房贷利率上浮会取消?今年不会,明年更没戏!

RDER-: medium none; FONT-FAMILY: 宋体; BORDER-RIGHT: medium none; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: medium none; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(0,0,0); PADDING-BOTTOM: 24px; FONT-STYLE: normal; PADDING-: 0px; PADDING-LEFT: 0px; BORDER-LEFT: medium none; ORPHANS: 2; WIDOWS: 2; MARGIN: 0px; LETTER-SPACING: normal; LINE-HEIGHT: 24px; PADDING-RIGHT: 0px; TEXT-INDENT: 0px; -webkit-text-stroke-width: 0px; font-variant-ligatures: normal; font-variant-caps: normal">  这位朋友显然买房的心情很迫切,又加问了一句:“这利率总不能一直这样吧?今年这样,明年还这样?”

RDER-: medium none; FONT-FAMILY: 宋体; BORDER-RIGHT: medium none; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: medium none; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(0,0,0); PADDING-BOTTOM: 24px; FONT-STYLE: normal; PADDING-: 0px; PADDING-LEFT: 0px; BORDER-LEFT: medium none; ORPHANS: 2; WIDOWS: 2; MARGIN: 0px; LETTER-SPACING: normal; LINE-HEIGHT: 24px; PADDING-RIGHT: 0px; TEXT-INDENT: 0px; -webkit-text-stroke-width: 0px; font-variant-ligatures: normal; font-variant-caps: normal">  RDER-: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; PADDING-BOTTOM: 0px; PADDING-: 0px; PADDING-LEFT: 0px; BORDER-LEFT: medium none; MARGIN: 0px; PADDING-RIGHT: 0px">确实,我们都习惯了管控,也都习惯了一时的管控,知道会有放开的那一天。

RDER-: medium none; FONT-FAMILY: 宋体; BORDER-RIGHT: medium none; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: medium none; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(0,0,0); PADDING-BOTTOM: 24px; FONT-STYLE: normal; PADDING-: 0px; PADDING-LEFT: 0px; BORDER-LEFT: medium none; ORPHANS: 2; WIDOWS: 2; MARGIN: 0px; LETTER-SPACING: normal; LINE-HEIGHT: 24px; PADDING-RIGHT: 0px; TEXT-INDENT: 0px; -webkit-text-stroke-width: 0px; font-variant-ligatures: normal; font-variant-caps: normal">  那么问题来了,RDER-: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; PADDING-BOTTOM: 0px; PADDING-: 0px; PADDING-LEFT: 0px; BORDER-LEFT: medium none; MARGIN: 0px; PADDING-RIGHT: 0px">这次的利率上浮到底是政策行为呢?还是市场行为?

RDER-: medium none; FONT-FAMILY: 宋体; BORDER-RIGHT: medium none; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: medium none; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(0,0,0); PADDING-BOTTOM: 24px; FONT-STYLE: normal; PADDING-: 0px; PADDING-LEFT: 0px; BORDER-LEFT: medium none; ORPHANS: 2; WIDOWS: 2; MARGIN: 0px; LETTER-SPACING: normal; LINE-HEIGHT: 24px; PADDING-RIGHT: 0px; TEXT-INDENT: 0px; -webkit-text-stroke-width: 0px; font-variant-ligatures: normal; font-variant-caps: normal">  RDER-: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; PADDING-BOTTOM: 0px; PADDING-: 0px; PADDING-LEFT: 0px; BORDER-LEFT: medium none; MARGIN: 0px; PADDING-RIGHT: 0px">1

RD-SPACING: 0px; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(0,0,0); FONT-STYLE: normal; ORPHANS: 2; WIDOWS: 2; LETTER-SPACING: normal; TEXT-INDENT: 0px; -webkit-text-stroke-width: 0px; font-variant-ligatures: normal; font-variant-caps: normal">
RD-SPACING: 0px; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(0,0,0); FONT-STYLE: normal; ORPHANS: 2; WIDOWS: 2; LETTER-SPACING: normal; TEXT-INDENT: 0px; -webkit-text-stroke-width: 0px; font-variant-ligatures: normal; font-variant-caps: normal">

RDER-: medium none; FONT-FAMILY: 宋体; BORDER-RIGHT: medium none; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: medium none; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(0,0,0); PADDING-BOTTOM: 24px; FONT-STYLE: normal; PADDING-: 0px; PADDING-LEFT: 0px; BORDER-LEFT: medium none; ORPHANS: 2; WIDOWS: 2; MARGIN: 0px; LETTER-SPACING: normal; LINE-HEIGHT: 24px; PADDING-RIGHT: 0px; TEXT-INDENT: 0px; -webkit-text-stroke-width: 0px; font-variant-ligatures: normal; font-variant-caps: normal"> 

RDER-: medium none; FONT-FAMILY: 宋体; BORDER-RIGHT: medium none; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: medium none; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(0,0,0); PADDING-BOTTOM: 24px; FONT-STYLE: normal; PADDING-: 0px; PADDING-LEFT: 0px; BORDER-LEFT: medium none; ORPHANS: 2; WIDOWS: 2; MARGIN: 0px; LETTER-SPACING: normal; LINE-HEIGHT: 24px; PADDING-RIGHT: 0px; TEXT-INDENT: 0px; -webkit-text-stroke-width: 0px; font-variant-ligatures: normal; font-variant-caps: normal">  RDER-: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; PADDING-BOTTOM: 0px; PADDING-: 0px; PADDING-LEFT: 0px; BORDER-LEFT: medium none; MARGIN: 0px; PADDING-RIGHT: 0px">谁主导的利率上浮?

RDER-: medium none; FONT-FAMILY: 宋体; BORDER-RIGHT: medium none; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: medium none; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(0,0,0); PADDING-BOTTOM: 24px; FONT-STYLE: normal; PADDING-: 0px; PADDING-LEFT: 0px; BORDER-LEFT: medium none; ORPHANS: 2; WIDOWS: 2; MARGIN: 0px; LETTER-SPACING: normal; LINE-HEIGHT: 24px; PADDING-RIGHT: 0px; TEXT-INDENT: 0px; -webkit-text-stroke-width: 0px; font-variant-ligatures: normal; font-variant-caps: normal">  或许立马会有人站出来:“这还用说么?当然是政策主导啊,为了调控房价,必须调高首付比例,抑制投机炒作。”

RDER-: medium none; FONT-FAMILY: 宋体; BORDER-RIGHT: medium none; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: medium none; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(0,0,0); PADDING-BOTTOM: 24px; FONT-STYLE: normal; PADDING-: 0px; PADDING-LEFT: 0px; BORDER-LEFT: medium none; ORPHANS: 2; WIDOWS: 2; MARGIN: 0px; LETTER-SPACING: normal; LINE-HEIGHT: 24px; PADDING-RIGHT: 0px; TEXT-INDENT: 0px; -webkit-text-stroke-width: 0px; font-variant-ligatures: normal; font-variant-caps: normal">  这么说有错么?没有错,因为5、6年前,我们就这么干过。不过,这事还真不是政策为抑制房价而主导的,事实上,更多的是银行的市场行为。

RDER-: medium none; FONT-FAMILY: 宋体; BORDER-RIGHT: medium none; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: medium none; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(0,0,0); PADDING-BOTTOM: 24px; FONT-STYLE: normal; PADDING-: 0px; PADDING-LEFT: 0px; BORDER-LEFT: medium none; ORPHANS: 2; WIDOWS: 2; MARGIN: 0px; LETTER-SPACING: normal; LINE-HEIGHT: 24px; PADDING-RIGHT: 0px; TEXT-INDENT: 0px; -webkit-text-stroke-width: 0px; font-variant-ligatures: normal; font-variant-caps: normal">  RDER-: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; PADDING-BOTTOM: 0px; PADDING-: 0px; PADDING-LEFT: 0px; BORDER-LEFT: medium none; MARGIN: 0px; PADDING-RIGHT: 0px">把钱以较低价格放贷出去,银行资金成本不允许。

RDER-: medium none; FONT-FAMILY: 宋体; BORDER-RIGHT: medium none; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: medium none; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(0,0,0); PADDING-BOTTOM: 24px; FONT-STYLE: normal; PADDING-: 0px; PADDING-LEFT: 0px; BORDER-LEFT: medium none; ORPHANS: 2; WIDOWS: 2; MARGIN: 0px; LETTER-SPACING: normal; LINE-HEIGHT: 24px; PADDING-RIGHT: 0px; TEXT-INDENT: 0px; -webkit-text-stroke-width: 0px; font-variant-ligatures: normal; font-variant-caps: normal">  不要只盯着放贷基准利率看,从去年国庆放假调控开始,我们来看看市场整体的资金变化。

RDER-: medium none; FONT-FAMILY: 宋体; BORDER-RIGHT: medium none; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: medium none; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(0,0,0); PADDING-BOTTOM: 24px; FONT-STYLE: normal; PADDING-: 0px; PADDING-LEFT: 0px; BORDER-LEFT: medium none; ORPHANS: 2; WIDOWS: 2; MARGIN: 0px; LETTER-SPACING: normal; LINE-HEIGHT: 24px; PADDING-RIGHT: 0px; TEXT-INDENT: 0px; -webkit-text-stroke-width: 0px; font-variant-ligatures: normal; font-variant-caps: normal">  首先,看看RDER-: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; PADDING-BOTTOM: 0px; PADDING-: 0px; PADDING-LEFT: 0px; BORDER-LEFT: medium none; MARGIN: 0px; PADDING-RIGHT: 0px" kwname="skwl_keyword" kwid="stock_601229">上海银行(RDER-: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; COLOR: green; PADDING-BOTTOM: 0px; PADDING-: 0px; PADDING-LEFT: 0px; BORDER-LEFT: medium none; MARGIN: 0px; PADDING-RIGHT: 0px">15.35 -0.39%,诊股)间同业拆放利率:

RDER-: medium none; FONT-FAMILY: 宋体; BORDER-RIGHT: medium none; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: medium none; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(0,0,0); PADDING-BOTTOM: 24px; FONT-STYLE: normal; PADDING-: 0px; PADDING-LEFT: 0px; BORDER-LEFT: medium none; ORPHANS: 2; WIDOWS: 2; MARGIN: 0px; LETTER-SPACING: normal; LINE-HEIGHT: 24px; PADDING-RIGHT: 0px; TEXT-INDENT: 0px; -webkit-text-stroke-width: 0px; font-variant-ligatures: normal; font-variant-caps: normal">  房贷利率上浮会取消?今年不会,明年更没戏!

RDER-: medium none; FONT-FAMILY: 宋体; BORDER-RIGHT: medium none; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: medium none; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(0,0,0); PADDING-BOTTOM: 24px; FONT-STYLE: normal; PADDING-: 0px; PADDING-LEFT: 0px; BORDER-LEFT: medium none; ORPHANS: 2; WIDOWS: 2; MARGIN: 0px; LETTER-SPACING: normal; LINE-HEIGHT: 24px; PADDING-RIGHT: 0px; TEXT-INDENT: 0px; -webkit-text-stroke-width: 0px; font-variant-ligatures: normal; font-variant-caps: normal">  再从国债来看看资金成本:

RDER-: medium none; FONT-FAMILY: 宋体; BORDER-RIGHT: medium none; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: medium none; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(0,0,0); PADDING-BOTTOM: 24px; FONT-STYLE: normal; PADDING-: 0px; PADDING-LEFT: 0px; BORDER-LEFT: medium none; ORPHANS: 2; WIDOWS: 2; MARGIN: 0px; LETTER-SPACING: normal; LINE-HEIGHT: 24px; PADDING-RIGHT: 0px; TEXT-INDENT: 0px; -webkit-text-stroke-width: 0px; font-variant-ligatures: normal; font-variant-caps: normal">  房贷利率上浮会取消?今年不会,明年更没戏!

RDER-: medium none; FONT-FAMILY: 宋体; BORDER-RIGHT: medium none; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: medium none; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(0,0,0); PADDING-BOTTOM: 24px; FONT-STYLE: normal; PADDING-: 0px; PADDING-LEFT: 0px; BORDER-LEFT: medium none; ORPHANS: 2; WIDOWS: 2; MARGIN: 0px; LETTER-SPACING: normal; LINE-HEIGHT: 24px; PADDING-RIGHT: 0px; TEXT-INDENT: 0px; -webkit-text-stroke-width: 0px; font-variant-ligatures: normal; font-variant-caps: normal">  什么意思呢?就从这两个例子看,银行的资金成本上涨是非常大的,上面的每一个,RDER-: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; PADDING-BOTTOM: 0px; PADDING-: 0px; PADDING-LEFT: 0px; BORDER-LEFT: medium none; MARGIN: 0px; PADDING-RIGHT: 0px">从去年到现在涨幅都超过了30%。

RDER-: medium none; FONT-FAMILY: 宋体; BORDER-RIGHT: medium none; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: medium none; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(0,0,0); PADDING-BOTTOM: 24px; FONT-STYLE: normal; PADDING-: 0px; PADDING-LEFT: 0px; BORDER-LEFT: medium none; ORPHANS: 2; WIDOWS: 2; MARGIN: 0px; LETTER-SPACING: normal; LINE-HEIGHT: 24px; PADDING-RIGHT: 0px; TEXT-INDENT: 0px; -webkit-text-stroke-width: 0px; font-variant-ligatures: normal; font-variant-caps: normal">  目前,房贷基准利率是4.9%,哪怕提高10%、20%,相比来说,真是小巫见大巫了。

RDER-: medium none; FONT-FAMILY: 宋体; BORDER-RIGHT: medium none; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: medium none; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(0,0,0); PADDING-BOTTOM: 24px; FONT-STYLE: normal; PADDING-: 0px; PADDING-LEFT: 0px; BORDER-LEFT: medium none; ORPHANS: 2; WIDOWS: 2; MARGIN: 0px; LETTER-SPACING: normal; LINE-HEIGHT: 24px; PADDING-RIGHT: 0px; TEXT-INDENT: 0px; -webkit-text-stroke-width: 0px; font-variant-ligatures: normal; font-variant-caps: normal">  身边能感受到的例子就更加明显了,我们今天看余额宝的固定理财年化资金成本,7日年化3.8%,感觉很普通,去年国庆时候是多少,还记得么?是2.357,又涨了多少?

RDER-: medium none; FONT-FAMILY: 宋体; BORDER-RIGHT: medium none; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: medium none; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(0,0,0); PADDING-BOTTOM: 24px; FONT-STYLE: normal; PADDING-: 0px; PADDING-LEFT: 0px; BORDER-LEFT: medium none; ORPHANS: 2; WIDOWS: 2; MARGIN: 0px; LETTER-SPACING: normal; LINE-HEIGHT: 24px; PADDING-RIGHT: 0px; TEXT-INDENT: 0px; -webkit-text-stroke-width: 0px; font-variant-ligatures: normal; font-variant-caps: normal">  更别谈市面上的各种理财产品了,就连最不缺钱、最保守的宇宙行,都推出了这样的产品:

RDER-: medium none; FONT-FAMILY: 宋体; BORDER-RIGHT: medium none; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: medium none; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(0,0,0); PADDING-BOTTOM: 24px; FONT-STYLE: normal; PADDING-: 0px; PADDING-LEFT: 0px; BORDER-LEFT: medium none; ORPHANS: 2; WIDOWS: 2; MARGIN: 0px; LETTER-SPACING: normal; LINE-HEIGHT: 24px; PADDING-RIGHT: 0px; TEXT-INDENT: 0px; -webkit-text-stroke-width: 0px; font-variant-ligatures: normal; font-variant-caps: normal">  房贷利率上浮会取消?今年不会,明年更没戏!

RDER-: medium none; FONT-FAMILY: 宋体; BORDER-RIGHT: medium none; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: medium none; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(0,0,0); PADDING-BOTTOM: 24px; FONT-STYLE: normal; PADDING-: 0px; PADDING-LEFT: 0px; BORDER-LEFT: medium none; ORPHANS: 2; WIDOWS: 2; MARGIN: 0px; LETTER-SPACING: normal; LINE-HEIGHT: 24px; PADDING-RIGHT: 0px; TEXT-INDENT: 0px; -webkit-text-stroke-width: 0px; font-variant-ligatures: normal; font-variant-caps: normal">  在高昂的资金成本下,按揭贷款不论是基准利率甚至上浮10%,对于绝大多数银行来说,已经属于低利润产品。

RDER-: medium none; FONT-FAMILY: 宋体; BORDER-RIGHT: medium none; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: medium none; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(0,0,0); PADDING-BOTTOM: 24px; FONT-STYLE: normal; PADDING-: 0px; PADDING-LEFT: 0px; BORDER-LEFT: medium none; ORPHANS: 2; WIDOWS: 2; MARGIN: 0px; LETTER-SPACING: normal; LINE-HEIGHT: 24px; PADDING-RIGHT: 0px; TEXT-INDENT: 0px; -webkit-text-stroke-width: 0px; font-variant-ligatures: normal; font-variant-caps: normal">  银行都是图利的,这时候还放贷给购房者,还有没有职业素养了?不提高利率银行就变成雷锋做义务劳动了。

RDER-: medium none; FONT-FAMILY: 宋体; BORDER-RIGHT: medium none; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: medium none; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(0,0,0); PADDING-BOTTOM: 24px; FONT-STYLE: normal; PADDING-: 0px; PADDING-LEFT: 0px; BORDER-LEFT: medium none; ORPHANS: 2; WIDOWS: 2; MARGIN: 0px; LETTER-SPACING: normal; LINE-HEIGHT: 24px; PADDING-RIGHT: 0px; TEXT-INDENT: 0px; -webkit-text-stroke-width: 0px; font-variant-ligatures: normal; font-variant-caps: normal">  2

RD-SPACING: 0px; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(0,0,0); FONT-STYLE: normal; ORPHANS: 2; WIDOWS: 2; LETTER-SPACING: normal; TEXT-INDENT: 0px; -webkit-text-stroke-width: 0px; font-variant-ligatures: normal; font-variant-caps: normal">
RD-SPACING: 0px; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(0,0,0); FONT-STYLE: normal; ORPHANS: 2; WIDOWS: 2; LETTER-SPACING: normal; TEXT-INDENT: 0px; -webkit-text-stroke-width: 0px; font-variant-ligatures: normal; font-variant-caps: normal">

RDER-: medium none; FONT-FAMILY: 宋体; BORDER-RIGHT: medium none; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: medium none; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(0,0,0); PADDING-BOTTOM: 24px; FONT-STYLE: normal; PADDING-: 0px; PADDING-LEFT: 0px; BORDER-LEFT: medium none; ORPHANS: 2; WIDOWS: 2; MARGIN: 0px; LETTER-SPACING: normal; LINE-HEIGHT: 24px; PADDING-RIGHT: 0px; TEXT-INDENT: 0px; -webkit-text-stroke-width: 0px; font-variant-ligatures: normal; font-variant-caps: normal"> 

RDER-: medium none; FONT-FAMILY: 宋体; BORDER-RIGHT: medium none; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: medium none; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(0,0,0); PADDING-BOTTOM: 24px; FONT-STYLE: normal; PADDING-: 0px; PADDING-LEFT: 0px; BORDER-LEFT: medium none; ORPHANS: 2; WIDOWS: 2; MARGIN: 0px; LETTER-SPACING: normal; LINE-HEIGHT: 24px; PADDING-RIGHT: 0px; TEXT-INDENT: 0px; -webkit-text-stroke-width: 0px; font-variant-ligatures: normal; font-variant-caps: normal">  RDER-: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; PADDING-BOTTOM: 0px; PADDING-: 0px; PADDING-LEFT: 0px; BORDER-LEFT: medium none; MARGIN: 0px; PADDING-RIGHT: 0px">何时取消?

RDER-: medium none; FONT-FAMILY: 宋体; BORDER-RIGHT: medium none; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: medium none; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(0,0,0); PADDING-BOTTOM: 24px; FONT-STYLE: normal; PADDING-: 0px; PADDING-LEFT: 0px; BORDER-LEFT: medium none; ORPHANS: 2; WIDOWS: 2; MARGIN: 0px; LETTER-SPACING: normal; LINE-HEIGHT: 24px; PADDING-RIGHT: 0px; TEXT-INDENT: 0px; -webkit-text-stroke-width: 0px; font-variant-ligatures: normal; font-variant-caps: normal">  叨叨了这么多,想说的无非就是,RDER-: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; PADDING-BOTTOM: 0px; PADDING-: 0px; PADDING-LEFT: 0px; BORDER-LEFT: medium none; MARGIN: 0px; PADDING-RIGHT: 0px">银行房贷上浮甚至停贷,是由社会资金成本决定的,和国家的货币政策息息相关。

RDER-: medium none; FONT-FAMILY: 宋体; BORDER-RIGHT: medium none; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: medium none; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(0,0,0); PADDING-BOTTOM: 24px; FONT-STYLE: normal; PADDING-: 0px; PADDING-LEFT: 0px; BORDER-LEFT: medium none; ORPHANS: 2; WIDOWS: 2; MARGIN: 0px; LETTER-SPACING: normal; LINE-HEIGHT: 24px; PADDING-RIGHT: 0px; TEXT-INDENT: 0px; -webkit-text-stroke-width: 0px; font-variant-ligatures: normal; font-variant-caps: normal">  什么时候取消房贷上浮,也由货币政策决定。但是这一次,和上一次,恐怕有很大不同。

RDER-: medium none; FONT-FAMILY: 宋体; BORDER-RIGHT: medium none; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: medium none; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(0,0,0); PADDING-BOTTOM: 24px; FONT-STYLE: normal; PADDING-: 0px; PADDING-LEFT: 0px; BORDER-LEFT: medium none; ORPHANS: 2; WIDOWS: 2; MARGIN: 0px; LETTER-SPACING: normal; LINE-HEIGHT: 24px; PADDING-RIGHT: 0px; TEXT-INDENT: 0px; -webkit-text-stroke-width: 0px; font-variant-ligatures: normal; font-variant-caps: normal">  今年3月底,央行行长小川谈到,宽松货币周期近尾部,紧缩是个渐进过程。也就是说,2017年才只是紧缩元年。

RDER-: medium none; FONT-FAMILY: 宋体; BORDER-RIGHT: medium none; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: medium none; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(0,0,0); PADDING-BOTTOM: 24px; FONT-STYLE: normal; PADDING-: 0px; PADDING-LEFT: 0px; BORDER-LEFT: medium none; ORPHANS: 2; WIDOWS: 2; MARGIN: 0px; LETTER-SPACING: normal; LINE-HEIGHT: 24px; PADDING-RIGHT: 0px; TEXT-INDENT: 0px; -webkit-text-stroke-width: 0px; font-variant-ligatures: normal; font-variant-caps: normal">  放眼全球来看,也确实如此,全球都经历着流动性收紧,比如:

RDER-: medium none; FONT-FAMILY: 宋体; BORDER-RIGHT: medium none; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: medium none; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(0,0,0); PADDING-BOTTOM: 24px; FONT-STYLE: normal; PADDING-: 0px; PADDING-LEFT: 0px; BORDER-LEFT: medium none; ORPHANS: 2; WIDOWS: 2; MARGIN: 0px; LETTER-SPACING: normal; LINE-HEIGHT: 24px; PADDING-RIGHT: 0px; TEXT-INDENT: 0px; -webkit-text-stroke-width: 0px; font-variant-ligatures: normal; font-variant-caps: normal">  RDER-: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; PADDING-BOTTOM: 0px; PADDING-: 0px; PADDING-LEFT: 0px; BORDER-LEFT: medium none; MARGIN: 0px; PADDING-RIGHT: 0px">美国:美联储预计到2020年加息7次;缩表计划延续至2023年。

RDER-: medium none; FONT-FAMILY: 宋体; BORDER-RIGHT: medium none; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: medium none; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(0,0,0); PADDING-BOTTOM: 24px; FONT-STYLE: normal; PADDING-: 0px; PADDING-LEFT: 0px; BORDER-LEFT: medium none; ORPHANS: 2; WIDOWS: 2; MARGIN: 0px; LETTER-SPACING: normal; LINE-HEIGHT: 24px; PADDING-RIGHT: 0px; TEXT-INDENT: 0px; -webkit-text-stroke-width: 0px; font-variant-ligatures: normal; font-variant-caps: normal">  RDER-: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; PADDING-BOTTOM: 0px; PADDING-: 0px; PADDING-LEFT: 0px; BORDER-LEFT: medium none; MARGIN: 0px; PADDING-RIGHT: 0px">欧央行:10月底刚刚宣布缩减QE;

RDER-: medium none; FONT-FAMILY: 宋体; BORDER-RIGHT: medium none; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: medium none; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(0,0,0); PADDING-BOTTOM: 24px; FONT-STYLE: normal; PADDING-: 0px; PADDING-LEFT: 0px; BORDER-LEFT: medium none; ORPHANS: 2; WIDOWS: 2; MARGIN: 0px; LETTER-SPACING: normal; LINE-HEIGHT: 24px; PADDING-RIGHT: 0px; TEXT-INDENT: 0px; -webkit-text-stroke-width: 0px; font-variant-ligatures: normal; font-variant-caps: normal">  RDER-: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; PADDING-BOTTOM: 0px; PADDING-: 0px; PADDING-LEFT: 0px; BORDER-LEFT: medium none; MARGIN: 0px; PADDING-RIGHT: 0px">英国:11月13日首次加息;

RD-SPACING: 0px; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(0,0,0); PADDING-BOTTOM: 0px; FONT-STYLE: normal; PADDING-: 0px; PADDING-LEFT: 0px; ORPHANS: 2; WIDOWS: 2; MARGIN: 0px; LETTER-SPACING: normal; PADDING-RIGHT: 0px; TEXT-INDENT: 0px; -webkit-text-stroke-width: 0px; font-variant-ligatures: normal; font-variant-caps: normal">

RDER-: medium none; FONT-FAMILY: 宋体; BORDER-RIGHT: medium none; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: medium none; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(0,0,0); PADDING-BOTTOM: 24px; FONT-STYLE: normal; PADDING-: 0px; PADDING-LEFT: 0px; BORDER-LEFT: medium none; ORPHANS: 2; WIDOWS: 2; MARGIN: 0px; LETTER-SPACING: normal; LINE-HEIGHT: 24px; PADDING-RIGHT: 0px; TEXT-INDENT: 0px; -webkit-text-stroke-width: 0px; font-variant-ligatures: normal; font-variant-caps: normal">  让钱值钱,是未来几年,各国争相要做的事。而今年,才仅仅是开始。

RDER-: medium none; FONT-FAMILY: 宋体; BORDER-RIGHT: medium none; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: medium none; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(0,0,0); PADDING-BOTTOM: 24px; FONT-STYLE: normal; PADDING-: 0px; PADDING-LEFT: 0px; BORDER-LEFT: medium none; ORPHANS: 2; WIDOWS: 2; MARGIN: 0px; LETTER-SPACING: normal; LINE-HEIGHT: 24px; PADDING-RIGHT: 0px; TEXT-INDENT: 0px; -webkit-text-stroke-width: 0px; font-variant-ligatures: normal; font-variant-caps: normal">  那么对于房地产,和上一轮调控不同,有几点是可以肯定的:

RDER-: medium none; FONT-FAMILY: 宋体; BORDER-RIGHT: medium none; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: medium none; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(0,0,0); PADDING-BOTTOM: 24px; FONT-STYLE: normal; PADDING-: 0px; PADDING-LEFT: 0px; BORDER-LEFT: medium none; ORPHANS: 2; WIDOWS: 2; MARGIN: 0px; LETTER-SPACING: normal; LINE-HEIGHT: 24px; PADDING-RIGHT: 0px; TEXT-INDENT: 0px; -webkit-text-stroke-width: 0px; font-variant-ligatures: normal; font-variant-caps: normal">  RDER-: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; PADDING-BOTTOM: 0px; PADDING-: 0px; PADDING-LEFT: 0px; BORDER-LEFT: medium none; MARGIN: 0px; PADDING-RIGHT: 0px">1、上一次是全球QE(大放水),这次是一起缩表;

RDER-: medium none; FONT-FAMILY: 宋体; BORDER-RIGHT: medium none; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: medium none; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(0,0,0); PADDING-BOTTOM: 24px; FONT-STYLE: normal; PADDING-: 0px; PADDING-LEFT: 0px; BORDER-LEFT: medium none; ORPHANS: 2; WIDOWS: 2; MARGIN: 0px; LETTER-SPACING: normal; LINE-HEIGHT: 24px; PADDING-RIGHT: 0px; TEXT-INDENT: 0px; -webkit-text-stroke-width: 0px; font-variant-ligatures: normal; font-variant-caps: normal">  RDER-: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; PADDING-BOTTOM: 0px; PADDING-: 0px; PADDING-LEFT: 0px; BORDER-LEFT: medium none; MARGIN: 0px; PADDING-RIGHT: 0px">2、周期上,这一次将要比上一次,时间更久;

RD-SPACING: 0px; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(0,0,0); PADDING-BOTTOM: 0px; FONT-STYLE: normal; PADDING-: 0px; PADDING-LEFT: 0px; ORPHANS: 2; WIDOWS: 2; MARGIN: 0px; LETTER-SPACING: normal; PADDING-RIGHT: 0px; TEXT-INDENT: 0px; -webkit-text-stroke-width: 0px; font-variant-ligatures: normal; font-variant-caps: normal">

RDER-: medium none; FONT-FAMILY: 宋体; BORDER-RIGHT: medium none; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: medium none; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(0,0,0); PADDING-BOTTOM: 24px; FONT-STYLE: normal; PADDING-: 0px; PADDING-LEFT: 0px; BORDER-LEFT: medium none; ORPHANS: 2; WIDOWS: 2; MARGIN: 0px; LETTER-SPACING: normal; LINE-HEIGHT: 24px; PADDING-RIGHT: 0px; TEXT-INDENT: 0px; -webkit-text-stroke-width: 0px; font-variant-ligatures: normal; font-variant-caps: normal">  RDER-: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; PADDING-BOTTOM: 0px; PADDING-: 0px; PADDING-LEFT: 0px; BORDER-LEFT: medium none; MARGIN: 0px; PADDING-RIGHT: 0px">这样的大环境下,妄想房贷利率短时间内恢复正常,基本没戏,今年不会,明年也不会。

RDER-: medium none; FONT-FAMILY: 宋体; BORDER-RIGHT: medium none; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: medium none; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(0,0,0); PADDING-BOTTOM: 24px; FONT-STYLE: normal; PADDING-: 0px; PADDING-LEFT: 0px; BORDER-LEFT: medium none; ORPHANS: 2; WIDOWS: 2; MARGIN: 0px; LETTER-SPACING: normal; LINE-HEIGHT: 24px; PADDING-RIGHT: 0px; TEXT-INDENT: 0px; -webkit-text-stroke-width: 0px; font-variant-ligatures: normal; font-variant-caps: normal">  RDER-: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; PADDING-BOTTOM: 0px; PADDING-: 0px; PADDING-LEFT: 0px; BORDER-LEFT: medium none; MARGIN: 0px; PADDING-RIGHT: 0px">3

RD-SPACING: 0px; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(0,0,0); FONT-STYLE: normal; ORPHANS: 2; WIDOWS: 2; LETTER-SPACING: normal; TEXT-INDENT: 0px; -webkit-text-stroke-width: 0px; font-variant-ligatures: normal; font-variant-caps: normal">
RD-SPACING: 0px; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(0,0,0); FONT-STYLE: normal; ORPHANS: 2; WIDOWS: 2; LETTER-SPACING: normal; TEXT-INDENT: 0px; -webkit-text-stroke-width: 0px; font-variant-ligatures: normal; font-variant-caps: normal">

RDER-: medium none; FONT-FAMILY: 宋体; BORDER-RIGHT: medium none; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: medium none; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(0,0,0); PADDING-BOTTOM: 24px; FONT-STYLE: normal; PADDING-: 0px; PADDING-LEFT: 0px; BORDER-LEFT: medium none; ORPHANS: 2; WIDOWS: 2; MARGIN: 0px; LETTER-SPACING: normal; LINE-HEIGHT: 24px; PADDING-RIGHT: 0px; TEXT-INDENT: 0px; -webkit-text-stroke-width: 0px; font-variant-ligatures: normal; font-variant-caps: normal"> 

RDER-: medium none; FONT-FAMILY: 宋体; BORDER-RIGHT: medium none; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: medium none; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(0,0,0); PADDING-BOTTOM: 24px; FONT-STYLE: normal; PADDING-: 0px; PADDING-LEFT: 0px; BORDER-LEFT: medium none; ORPHANS: 2; WIDOWS: 2; MARGIN: 0px; LETTER-SPACING: normal; LINE-HEIGHT: 24px; PADDING-RIGHT: 0px; TEXT-INDENT: 0px; -webkit-text-stroke-width: 0px; font-variant-ligatures: normal; font-variant-caps: normal">  RDER-: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; PADDING-BOTTOM: 0px; PADDING-: 0px; PADDING-LEFT: 0px; BORDER-LEFT: medium none; MARGIN: 0px; PADDING-RIGHT: 0px">没有什么不可能

RDER-: medium none; FONT-FAMILY: 宋体; BORDER-RIGHT: medium none; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: medium none; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(0,0,0); PADDING-BOTTOM: 24px; FONT-STYLE: normal; PADDING-: 0px; PADDING-LEFT: 0px; BORDER-LEFT: medium none; ORPHANS: 2; WIDOWS: 2; MARGIN: 0px; LETTER-SPACING: normal; LINE-HEIGHT: 24px; PADDING-RIGHT: 0px; TEXT-INDENT: 0px; -webkit-text-stroke-width: 0px; font-variant-ligatures: normal; font-variant-caps: normal">  或许会有人说,不可能,一个市场化的东西,总是管制,肯定不会这么长期的。

RDER-: medium none; FONT-FAMILY: 宋体; BORDER-RIGHT: medium none; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: medium none; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(0,0,0); PADDING-BOTTOM: 24px; FONT-STYLE: normal; PADDING-: 0px; PADDING-LEFT: 0px; BORDER-LEFT: medium none; ORPHANS: 2; WIDOWS: 2; MARGIN: 0px; LETTER-SPACING: normal; LINE-HEIGHT: 24px; PADDING-RIGHT: 0px; TEXT-INDENT: 0px; -webkit-text-stroke-width: 0px; font-variant-ligatures: normal; font-variant-caps: normal">  错!没有什么是不可能的。

RDER-: medium none; FONT-FAMILY: 宋体; BORDER-RIGHT: medium none; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: medium none; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(0,0,0); PADDING-BOTTOM: 24px; FONT-STYLE: normal; PADDING-: 0px; PADDING-LEFT: 0px; BORDER-LEFT: medium none; ORPHANS: 2; WIDOWS: 2; MARGIN: 0px; LETTER-SPACING: normal; LINE-HEIGHT: 24px; PADDING-RIGHT: 0px; TEXT-INDENT: 0px; -webkit-text-stroke-width: 0px; font-variant-ligatures: normal; font-variant-caps: normal">  凭什么房贷首付20%就应该是正常的?凭什么利率优惠应该是正常的?房子作为商品,凭什么非得有首付即得?

RDER-: medium none; FONT-FAMILY: 宋体; BORDER-RIGHT: medium none; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: medium none; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(0,0,0); PADDING-BOTTOM: 24px; FONT-STYLE: normal; PADDING-: 0px; PADDING-LEFT: 0px; BORDER-LEFT: medium none; ORPHANS: 2; WIDOWS: 2; MARGIN: 0px; LETTER-SPACING: normal; LINE-HEIGHT: 24px; PADDING-RIGHT: 0px; TEXT-INDENT: 0px; -webkit-text-stroke-width: 0px; font-variant-ligatures: normal; font-variant-caps: normal">  首付也好,利率优惠也好,都是特有环境下,国家/银行给予的特定福利,现在停止了,也是可以的。

RDER-: medium none; FONT-FAMILY: 宋体; BORDER-RIGHT: medium none; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: medium none; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(0,0,0); PADDING-BOTTOM: 24px; FONT-STYLE: normal; PADDING-: 0px; PADDING-LEFT: 0px; BORDER-LEFT: medium none; ORPHANS: 2; WIDOWS: 2; MARGIN: 0px; LETTER-SPACING: normal; LINE-HEIGHT: 24px; PADDING-RIGHT: 0px; TEXT-INDENT: 0px; -webkit-text-stroke-width: 0px; font-variant-ligatures: normal; font-variant-caps: normal">  作为成年人,有人给你送花送饭久了,可别真把这一切当成理所应该的。

RDER-: medium none; FONT-FAMILY: 宋体; BORDER-RIGHT: medium none; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: medium none; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(0,0,0); PADDING-BOTTOM: 24px; FONT-STYLE: normal; PADDING-: 0px; PADDING-LEFT: 0px; BORDER-LEFT: medium none; ORPHANS: 2; WIDOWS: 2; MARGIN: 0px; LETTER-SPACING: normal; LINE-HEIGHT: 24px; PADDING-RIGHT: 0px; TEXT-INDENT: 0px; -webkit-text-stroke-width: 0px; font-variant-ligatures: normal; font-variant-caps: normal">  没有什么不可能,真要是政策需要,全面取消商品房也不是不可能,又不是没干过,就像曾经全面取消福利分房一样。别急着骂,就目前这房地产情况,您不觉得很像么?

RDER-: medium none; FONT-FAMILY: 宋体; BORDER-RIGHT: medium none; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: medium none; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(0,0,0); PADDING-BOTTOM: 24px; FONT-STYLE: normal; PADDING-: 0px; PADDING-LEFT: 0px; BORDER-LEFT: medium none; ORPHANS: 2; WIDOWS: 2; MARGIN: 0px; LETTER-SPACING: normal; LINE-HEIGHT: 24px; PADDING-RIGHT: 0px; TEXT-INDENT: 0px; -webkit-text-stroke-width: 0px; font-variant-ligatures: normal; font-variant-caps: normal">  那问题来了,银行如果钱不放贷给住房贷款,在这难熬的“寒冬”里,它们怎么办?

RDER-: medium none; FONT-FAMILY: 宋体; BORDER-RIGHT: medium none; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: medium none; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(0,0,0); PADDING-BOTTOM: 24px; FONT-STYLE: normal; PADDING-: 0px; PADDING-LEFT: 0px; BORDER-LEFT: medium none; ORPHANS: 2; WIDOWS: 2; MARGIN: 0px; LETTER-SPACING: normal; LINE-HEIGHT: 24px; PADDING-RIGHT: 0px; TEXT-INDENT: 0px; -webkit-text-stroke-width: 0px; font-variant-ligatures: normal; font-variant-caps: normal">  答案很简单:RDER-: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; PADDING-BOTTOM: 0px; PADDING-: 0px; PADDING-LEFT: 0px; BORDER-LEFT: medium none; MARGIN: 0px; PADDING-RIGHT: 0px">消费贷

RDER-: medium none; FONT-FAMILY: 宋体; BORDER-RIGHT: medium none; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: medium none; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(0,0,0); PADDING-BOTTOM: 24px; FONT-STYLE: normal; PADDING-: 0px; PADDING-LEFT: 0px; BORDER-LEFT: medium none; ORPHANS: 2; WIDOWS: 2; MARGIN: 0px; LETTER-SPACING: normal; LINE-HEIGHT: 24px; PADDING-RIGHT: 0px; TEXT-INDENT: 0px; -webkit-text-stroke-width: 0px; font-variant-ligatures: normal; font-variant-caps: normal">  这一次,银行更充足的理由将钱借给个人消费使用,因为这里非常有利可图。

RDER-: medium none; FONT-FAMILY: 宋体; BORDER-RIGHT: medium none; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: medium none; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(0,0,0); PADDING-BOTTOM: 24px; FONT-STYLE: normal; PADDING-: 0px; PADDING-LEFT: 0px; BORDER-LEFT: medium none; ORPHANS: 2; WIDOWS: 2; MARGIN: 0px; LETTER-SPACING: normal; LINE-HEIGHT: 24px; PADDING-RIGHT: 0px; TEXT-INDENT: 0px; -webkit-text-stroke-width: 0px; font-variant-ligatures: normal; font-variant-caps: normal">  RDER-: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; PADDING-BOTTOM: 0px; PADDING-: 0px; PADDING-LEFT: 0px; BORDER-LEFT: medium none; MARGIN: 0px; PADDING-RIGHT: 0px">1、利润空间上,消费贷的实际利率要大大高于房贷,而且回款周期也要快于房贷。

RDER-: medium none; FONT-FAMILY: 宋体; BORDER-RIGHT: medium none; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: medium none; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(0,0,0); PADDING-BOTTOM: 24px; FONT-STYLE: normal; PADDING-: 0px; PADDING-LEFT: 0px; BORDER-LEFT: medium none; ORPHANS: 2; WIDOWS: 2; MARGIN: 0px; LETTER-SPACING: normal; LINE-HEIGHT: 24px; PADDING-RIGHT: 0px; TEXT-INDENT: 0px; -webkit-text-stroke-width: 0px; font-variant-ligatures: normal; font-variant-caps: normal">  RDER-: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; PADDING-BOTTOM: 0px; PADDING-: 0px; PADDING-LEFT: 0px; BORDER-LEFT: medium none; MARGIN: 0px; PADDING-RIGHT: 0px">2、经历了去年的房价暴涨,更多人办理信用卡信用贷目的很明确,筹钱买房,那么既然钱可以通过这种高价格渠道流出去,为什么还要走房贷渠道呢。

RDER-: medium none; FONT-FAMILY: 宋体; BORDER-RIGHT: medium none; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: medium none; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(0,0,0); PADDING-BOTTOM: 24px; FONT-STYLE: normal; PADDING-: 0px; PADDING-LEFT: 0px; BORDER-LEFT: medium none; ORPHANS: 2; WIDOWS: 2; MARGIN: 0px; LETTER-SPACING: normal; LINE-HEIGHT: 24px; PADDING-RIGHT: 0px; TEXT-INDENT: 0px; -webkit-text-stroke-width: 0px; font-variant-ligatures: normal; font-variant-caps: normal">  RDER-: medium none; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; PADDING-BOTTOM: 0px; PADDING-: 0px; PADDING-LEFT: 0px; BORDER-LEFT: medium none; MARGIN: 0px; PADDING-RIGHT: 0px">3、2016可以称之为中国经济消费主导元年,今年开始,国家出台各种政策,诱惑加引导人们去消费,政策调整和转向也非常清晰明显。一个双11,国人当天就全网总销售额达2539.7亿元。

RD-SPACING: 0px; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(0,0,0); PADDING-BOTTOM: 0px; FONT-STYLE: normal; PADDING-: 0px; PADDING-LEFT: 0px; ORPHANS: 2; WIDOWS: 2; MARGIN: 0px; LETTER-SPACING: normal; PADDING-RIGHT: 0px; TEXT-INDENT: 0px; -webkit-text-stroke-width: 0px; font-variant-ligatures: normal; font-variant-caps: normal">

RDER-: medium none; FONT-FAMILY: 宋体; BORDER-RIGHT: medium none; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: medium none; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(0,0,0); PADDING-BOTTOM: 24px; FONT-STYLE: normal; PADDING-: 0px; PADDING-LEFT: 0px; BORDER-LEFT: medium none; ORPHANS: 2; WIDOWS: 2; MARGIN: 0px; LETTER-SPACING: normal; LINE-HEIGHT: 24px; PADDING-RIGHT: 0px; TEXT-INDENT: 0px; -webkit-text-stroke-width: 0px; font-variant-ligatures: normal; font-variant-caps: normal">  消费信贷在未来几年势必会强势崛起。不要觉得不可能,美国人早些年也想不到学生贷款会占据联邦所属金融资产的45%,总金额超过了信用卡和汽车贷款总和。

RDER-: medium none; FONT-FAMILY: 宋体; BORDER-RIGHT: medium none; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: medium none; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(0,0,0); PADDING-BOTTOM: 24px; FONT-STYLE: normal; PADDING-: 0px; PADDING-LEFT: 0px; BORDER-LEFT: medium none; ORPHANS: 2; WIDOWS: 2; MARGIN: 0px; LETTER-SPACING: normal; LINE-HEIGHT: 24px; PADDING-RIGHT: 0px; TEXT-INDENT: 0px; -webkit-text-stroke-width: 0px; font-variant-ligatures: normal; font-variant-caps: normal">  想想我们的校园贷,是不是也才仅仅开了个苗头。

RDER-: medium none; FONT-FAMILY: 宋体; BORDER-RIGHT: medium none; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: medium none; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(0,0,0); PADDING-BOTTOM: 24px; FONT-STYLE: normal; PADDING-: 0px; PADDING-LEFT: 0px; BORDER-LEFT: medium none; ORPHANS: 2; WIDOWS: 2; MARGIN: 0px; LETTER-SPACING: normal; LINE-HEIGHT: 24px; PADDING-RIGHT: 0px; TEXT-INDENT: 0px; -webkit-text-stroke-width: 0px; font-variant-ligatures: normal; font-variant-caps: normal">  取消上浮?利率优惠?不论从哪个角度看,近几年恐怕都是非常渺茫的。不如多看看其他地方的全款抢房,恐怕只有在那一刻,房子才是它本该的商品模样:给现钱,拿现货。

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