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7日,金融搜索平台融360发布最新房贷利率报告显示,北京、上海、广州、深圳一线城市房贷利率全线下调,8.5折成为房贷绝对主流。同时,北京二套房贷首付首现4成,有继续降低趋势。对此,业内人士指出,经过2014年底到目前的6次降息,房地产贷款利率降至近年最低点。与此同时,在住房政策大面积松绑的背景下,各家银行盲目跟风大打利率价格战。利率的下调带来的是投资客大幅增加。值得注意的是,一线城市房价由于单价的影响,套价整体较高,因此,应警惕过高杠杆运用带来的风险,房贷也应采取分城
On the 7th, financial search platform 360 released the latest mortgage interest rate report shows that the first-tier cities in Beijing, Shanghai, Guangzhou and Shenzhen mortgage rates down across the board, 8.5 fold into mortgage mainstream. At the same time, the first two mortgages in Beijing are now 40% down payment and have continued to reduce the trend. In response, the industry pointed out that after the end of 2014 to the current six interest rate cuts, real estate loan interest rates fell to the lowest point in recent years. In the meantime, under the background of a large-scale relaxation of housing policies, various banks blindly follow the trend of interest rates and price wars. The reduction in interest rates has brought about a substantial increase in the number of investors. It is noteworthy that the price of first-tier cities due to the impact of unit price, the overall premium higher, therefore, should guard against the risk of over-leverage, mortgage should also be taken to the city