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福州楼市“限贷”细则:二套房“认贷不认房”
发布时间:2016-10-20 00:00:00 来源:东南置业 流量次数:2098 文字大小:【】【】【

 

福州市近日印发《关于进一步促进房地产市场平稳健康发展的补充通知》,并于10月7日起实施,启动144平方米及以下的商品房限购,明确提升首套房和二套房的首付比例。但对于申请住房按揭贷款的诸多细节,市民有不少疑问。

  记者昨获悉,榕各家商业银行已通过市场利率定价自律组织会议,商定个人住房贷款实施细则。新政后的差别化住房信贷政策如何实施,已渐渐明朗。

  焦点一:贷款时间节点怎么算

  “我已经在新政执行前,向银行提交了贷款申请,但还未批下来。”市民陈先生感到很疑惑。

  陈先生说,新政前,榕首套房按首付款比例不低于20%,二套房不低于30%来执行,新政后分别有所提高,而以他的情况,该按照之前的比例,还是新政后的比例呢?

  在榕银行人士表示,贷款时间节点有三个时间点可参考,分别为:网签时间、收件时间和申请贷款首次查询个人征信时间。

  而各银行按照上述三个时间节点的“孰前原则”来认定。也就是说,如果其中一个时间点落在10月7日新政前,贷款首付比例就可按旧政策执行。

 焦点二:二套房如何认定

  半个月内,全国多个城市密集出台房产限购和限贷新政,但各地对于“二套房”的界定标准,却有所不同。比如无锡、武汉等地对二套房原则上是“认房不认贷”(即拥有1套房,无论房贷是否结清,商贷最低首付比例从30%调整至40%);成都则“认贷不认房”(具体而言,对已有1套房并结清贷款的,按首套房,执行最低首付比例30%)。

  “而福州的情况,则不能简单地归纳为‘认房’还是‘认贷’。”在榕银行人士说,对于首套房贷款已结清的,在本市五城区范围内购买二套房,拥有本市五城区户籍的家庭申请商贷,首付比例不低于30%;非本市五城区户籍居民家庭,首付比例则不低于40%。

  此外,对拥有1套房,且相应贷款未结清的本市五城区户籍家庭购买二套房,申请商贷首付比例不低于40%。

  焦点三:房贷利率是否调整

  《通知》中提到,个人住房信贷政策由人行福州中心支行指导福建省市场利率定价自律机制决议后实施。对于有购房计划的市民来说,除了房贷首付款比例外,最关心的问题还有房贷利率是否进行调整。

  记者昨日从业内了解到,各行暂未调整房贷利率,仍执行原有水平,即大多数银行仍以首套房贷款利率最低9折,二套房利率上浮1.1倍来执行。

 

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