正文

第二套房贷款利率将大幅提高

2007-09-27来源:和谐英语

第二套房贷款利率将大幅提高
Central bank may raise mortgage rate

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.

据消息人士称，央行拟于本周将房贷利率提高至一年期贷款基准利率的1.1倍。

这一举措主要是为了控制房价的上涨和房地产市场的投机行为。

9月13日央行年内第五次加息后，目前的五年期贷款利率已达到7.83％。

如果央行本周实施这一举措，这意味着五年期房贷利率将提高至8.613％。

中国建设银行在其发布的最新报告中提到：“随着抵押贷款规模的扩大，以及央行连续加息，银行将面临房贷拖欠的高风险。”

据建行介绍，中国建设银行、中国工商银行及中国银行三大国有商业银行的不良房贷总量已从2005年的184亿元人民币上升至2006年底的192亿元人民币。

据消息人士称，央行可能会将第二套房屋的按揭首付比例提高到至少40％。

他说：“如果买第二套房子，得交40％的首付；如果买商用房，首付比例将提高至50％。”

目前，90平米以上房屋的贷款首付比例为30％，90平米以下房屋的首付比例为20％。

央行还将要求商业银行停止向以投机为目的的囤地、囤房的房地产商放贷。

据国家发改委的数据统计，8月份全国70个主要城市的房价比去年同期上涨了8.2％，7月上涨了7.5％。