房产新资讯！全国首套房贷利率创下新高 小县城都上浮

券商中国  2017-09-25 10:10

[摘要] 月，全国首套房贷平均利率创下历史新高，达到5.12%，这是自2016年以来首次突破5%大关，相当于基准利率1.04倍，环比7月上升了2.47%；同比去年8月的4.44%，上升了15.35%。

RD-WRAP: break-word !important;MAX-WIDTH: 100%;FONT-FAMILY: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif;WHITE-SPACE: normal;WORD-SPACING: 0px;TEXT-TRANSFORM: none;FONT-WEIGHT: normal;COLOR: rgb(62,62,62);PADDING-BOTTOM: 0px;FONT-STYLE: normal;PADDING-: 0px;PADDING-LEFT: 0px;CLEAR: both;MIN-HEIGHT: 1em;ORPHANS: 2;WIDOWS: 2;MARGIN: 0px;LETTER-SPACING: normal;PADDING-RIGHT: 0px;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">RD-WRAP: break-word !important;MAX-WIDTH: 100%;PADDING-BOTTOM: 0px;PADDING-: 0px;PADDING-LEFT: 0px;MARGIN: 0px;PADDING-RIGHT: 0px">最近楼市最热闹的消息，莫过于楼市信贷不断收紧，房贷利率继续走高。

RD-WRAP: break-word !important;MAX-WIDTH: 100%;FONT-FAMILY: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif;WHITE-SPACE: normal;WORD-SPACING: 0px;TEXT-TRANSFORM: none;FONT-WEIGHT: normal;COLOR: rgb(62,62,62);PADDING-BOTTOM: 0px;FONT-STYLE: normal;PADDING-: 0px;PADDING-LEFT: 0px;CLEAR: both;MIN-HEIGHT: 1em;ORPHANS: 2;WIDOWS: 2;MARGIN: 0px;LETTER-SPACING: normal;PADDING-RIGHT: 0px;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">RD-WRAP: break-word !important;MAX-WIDTH: 100%;PADDING-BOTTOM: 0px;PADDING-: 0px;PADDING-LEFT: 0px;MARGIN: 0px;PADDING-RIGHT: 0px">

RD-WRAP: break-word !important;MAX-WIDTH: 100%;FONT-FAMILY: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif;WHITE-SPACE: normal;WORD-SPACING: 0px;TEXT-TRANSFORM: none;FONT-WEIGHT: normal;COLOR: rgb(62,62,62);PADDING-BOTTOM: 0px;FONT-STYLE: normal;PADDING-: 0px;PADDING-LEFT: 0px;CLEAR: both;MIN-HEIGHT: 1em;ORPHANS: 2;WIDOWS: 2;MARGIN: 0px;LETTER-SPACING: normal;PADDING-RIGHT: 0px;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">RD-WRAP: break-word !important;MAX-WIDTH: 100%;PADDING-BOTTOM: 0px;PADDING-: 0px;PADDING-LEFT: 0px;MARGIN: 0px;PADDING-RIGHT: 0px">券商中国记者获悉，首套房贷利率上浮5%已经成为业内普遍的起步价。数据显示，8月，首套房贷平均利率创下历史新高，达到5.12%，这是自2016年以来首次突破5%大关。不仅一线二线城市，甚至一些小县城也已经开始上调，而且上浮8%-10%左右，超过了深圳、广州等一线城市。

RD-WRAP: break-word !important;MAX-WIDTH: 100%;FONT-FAMILY: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif;WHITE-SPACE: normal;WORD-SPACING: 0px;TEXT-TRANSFORM: none;FONT-WEIGHT: normal;COLOR: rgb(62,62,62);PADDING-BOTTOM: 0px;FONT-STYLE: normal;PADDING-: 0px;PADDING-LEFT: 0px;CLEAR: both;MIN-HEIGHT: 1em;ORPHANS: 2;WIDOWS: 2;MARGIN: 0px;LETTER-SPACING: normal;PADDING-RIGHT: 0px;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">RD-WRAP: break-word !important;MAX-WIDTH: 100%;PADDING-BOTTOM: 0px;PADDING-: 0px;PADDING-LEFT: 0px;MARGIN: 0px;PADDING-RIGHT: 0px">RD-WRAP: break-word !important;MAX-WIDTH: 100%;PADDING-BOTTOM: 0px;PADDING-: 0px;PADDING-LEFT: 0px;MARGIN: 0px;PADDING-RIGHT: 0px">RD-WRAP: break-word !important;MAX-WIDTH: 100%;COLOR: rgb(255,255,255);PADDING-BOTTOM: 0px;PADDING-: 0px;PADDING-LEFT: 0px;MARGIN: 0px;PADDING-RIGHT: 0px;BACKGROUND-COLOR: rgb(255,76,65)"> 首套房贷平均利率创历史新高  

RD-WRAP: break-word !important;MAX-WIDTH: 100%;FONT-FAMILY: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif;WHITE-SPACE: normal;WORD-SPACING: 0px;TEXT-TRANSFORM: none;FONT-WEIGHT: normal;COLOR: rgb(62,62,62);PADDING-BOTTOM: 0px;FONT-STYLE: normal;PADDING-: 0px;PADDING-LEFT: 0px;CLEAR: both;MIN-HEIGHT: 1em;ORPHANS: 2;WIDOWS: 2;MARGIN: 0px;LETTER-SPACING: normal;PADDING-RIGHT: 0px;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">RD-WRAP: break-word !important;MAX-WIDTH: 100%;PADDING-BOTTOM: 0px;PADDING-: 0px;PADDING-LEFT: 0px;MARGIN: 0px;PADDING-RIGHT: 0px">数据显示，8月，首套房贷平均利率创下历史新高，达到5.12%，这是自2016年以来首次突破5%大关，相当于基准利率1.04倍，环比7月上升了2.47%；同比去年8月的4.44%，上升了15.35%。

RD-WRAP: break-word !important;MAX-WIDTH: 100%;FONT-FAMILY: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif;WHITE-SPACE: normal;WORD-SPACING: 0px;TEXT-TRANSFORM: none;FONT-WEIGHT: normal;COLOR: rgb(62,62,62);PADDING-BOTTOM: 0px;FONT-STYLE: normal;PADDING-: 0px;PADDING-LEFT: 0px;CLEAR: both;MIN-HEIGHT: 1em;ORPHANS: 2;WIDOWS: 2;MARGIN: 0px;LETTER-SPACING: normal;PADDING-RIGHT: 0px;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">RD-WRAP: break-word !important;MAX-WIDTH: 100%;PADDING-BOTTOM: 0px;PADDING-: 0px;PADDING-LEFT: 0px;MARGIN: 0px;PADDING-RIGHT: 0px">

RD-WRAP: break-word !important;MAX-WIDTH: 100%;FONT-FAMILY: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif;WHITE-SPACE: normal;WORD-SPACING: 0px;TEXT-TRANSFORM: none;FONT-WEIGHT: normal;COLOR: rgb(62,62,62);PADDING-BOTTOM: 0px;FONT-STYLE: normal;PADDING-: 0px;PADDING-LEFT: 0px;CLEAR: both;MIN-HEIGHT: 1em;ORPHANS: 2;WIDOWS: 2;MARGIN: 0px;LETTER-SPACING: normal;PADDING-RIGHT: 0px;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">RD-WRAP: break-word !important;MAX-WIDTH: 100%;PADDING-BOTTOM: 0px;PADDING-: 0px;PADDING-LEFT: 0px;MARGIN: 0px;PADDING-RIGHT: 0px">分析师表示，近期房贷利率再度引起大家的关注，尤其是作为一线城市的北京。近日，北京多家银行相继下达关于房屋按揭贷款工作的内部文件，文件要求首套房贷款利率执行基准上浮5%，即基准利率4.90%的1.05倍达到5.145%。

RD-WRAP: break-word !important;MAX-WIDTH: 100%;FONT-FAMILY: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif;WHITE-SPACE: normal;WORD-SPACING: 0px;TEXT-TRANSFORM: none;FONT-WEIGHT: normal;COLOR: rgb(62,62,62);PADDING-BOTTOM: 0px;FONT-STYLE: normal;PADDING-: 0px;PADDING-LEFT: 0px;CLEAR: both;MIN-HEIGHT: 1em;ORPHANS: 2;WIDOWS: 2;MARGIN: 0px;LETTER-SPACING: normal;PADDING-RIGHT: 0px;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">RD-WRAP: break-word !important;MAX-WIDTH: 100%;PADDING-BOTTOM: 0px;PADDING-: 0px;PADDING-LEFT: 0px;MARGIN: 0px;PADDING-RIGHT: 0px">

RD-WRAP: break-word !important;MAX-WIDTH: 100%;FONT-FAMILY: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif;WHITE-SPACE: normal;WORD-SPACING: 0px;TEXT-TRANSFORM: none;FONT-WEIGHT: normal;COLOR: rgb(62,62,62);PADDING-BOTTOM: 0px;FONT-STYLE: normal;PADDING-: 0px;PADDING-LEFT: 0px;CLEAR: both;MIN-HEIGHT: 1em;ORPHANS: 2;WIDOWS: 2;MARGIN: 0px;LETTER-SPACING: normal;PADDING-RIGHT: 0px;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">RD-WRAP: break-word !important;MAX-WIDTH: 100%;PADDING-BOTTOM: 0px;PADDING-: 0px;PADDING-LEFT: 0px;MARGIN: 0px;PADDING-RIGHT: 0px">相较于北京85折时代的房贷利率，当下的确涨幅较大，但是就近几月的监测数据来看，目前北京房贷利率总体是平稳中略有上升，主要是文件下达之后，部分银行开始明确执行政策规定，但是说暴涨还是稍显不妥，毕竟上浮有一个循序渐进的时间过程。

RD-WRAP: break-word !important;MAX-WIDTH: 100%;FONT-FAMILY: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif;WHITE-SPACE: normal;WORD-SPACING: 0px;TEXT-TRANSFORM: none;FONT-WEIGHT: normal;COLOR: rgb(62,62,62);PADDING-BOTTOM: 0px;FONT-STYLE: normal;PADDING-: 0px;PADDING-LEFT: 0px;CLEAR: both;MIN-HEIGHT: 1em;ORPHANS: 2;WIDOWS: 2;MARGIN: 0px;LETTER-SPACING: normal;PADDING-RIGHT: 0px;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">

RD-WRAP: break-word !important;MAX-WIDTH: 100%;FONT-FAMILY: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif;WHITE-SPACE: normal;WORD-SPACING: 0px;TEXT-TRANSFORM: none;FONT-WEIGHT: normal;COLOR: rgb(62,62,62);PADDING-BOTTOM: 0px;FONT-STYLE: normal;PADDING-: 0px;PADDING-LEFT: 0px;CLEAR: both;MIN-HEIGHT: 1em;ORPHANS: 2;WIDOWS: 2;MARGIN: 0px;LETTER-SPACING: normal;PADDING-RIGHT: 0px;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">RD-WRAP: break-word !important;MAX-WIDTH: 100%;PADDING-BOTTOM: 0px;PADDING-: 0px;PADDING-LEFT: 0px;MARGIN: 0px;PADDING-RIGHT: 0px">数据显示，从首套房平均利率区间来看，8月份北上广深一线城市分布在4.83%~5.13%的区间范围内，北京首套平均利率为5.12%、广州为5.13%、深圳为5.04%，均已突破5%。二线城市首套利率上浮银行数亦略增，半数以上城市首套利率破5%，优惠占比降至年内值。

RD-WRAP: break-word !important;MAX-WIDTH: 100%;FONT-FAMILY: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif;WHITE-SPACE: normal;WORD-SPACING: 0px;TEXT-TRANSFORM: none;FONT-WEIGHT: normal;COLOR: rgb(62,62,62);PADDING-BOTTOM: 0px;FONT-STYLE: normal;PADDING-: 0px;PADDING-LEFT: 0px;CLEAR: both;MIN-HEIGHT: 1em;ORPHANS: 2;WIDOWS: 2;MARGIN: 0px;LETTER-SPACING: normal;PADDING-RIGHT: 0px;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">RD-WRAP: break-word !important;MAX-WIDTH: 100%;PADDING-BOTTOM: 0px;PADDING-: 0px;PADDING-LEFT: 0px;MARGIN: 0px;PADDING-RIGHT: 0px">

RD-WRAP: break-word !important;MAX-WIDTH: 100%;FONT-FAMILY: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif;WHITE-SPACE: normal;WORD-SPACING: 0px;TEXT-TRANSFORM: none;FONT-WEIGHT: normal;COLOR: rgb(62,62,62);PADDING-BOTTOM: 0px;FONT-STYLE: normal;PADDING-: 0px;PADDING-LEFT: 0px;CLEAR: both;MIN-HEIGHT: 1em;ORPHANS: 2;WIDOWS: 2;MARGIN: 0px;LETTER-SPACING: normal;PADDING-RIGHT: 0px;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">RD-WRAP: break-word !important;MAX-WIDTH: 100%;PADDING-BOTTOM: 0px;PADDING-: 0px;PADDING-LEFT: 0px;MARGIN: 0px;PADDING-RIGHT: 0px">首套房贷利率上浮已经蔓延至三、四线城市。一位华东地区县级市的银行工作人员介绍，虽然该县级市是“小地方”，不限购，此前首套房贷上浮5%，目前都上浮8%~10%左右，主要是没额度。

RD-WRAP: break-word !important;MAX-WIDTH: 100%;FONT-FAMILY: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif;WHITE-SPACE: normal;WORD-SPACING: 0px;TEXT-TRANSFORM: none;FONT-WEIGHT: normal;COLOR: rgb(62,62,62);PADDING-BOTTOM: 0px;FONT-STYLE: normal;PADDING-: 0px;PADDING-LEFT: 0px;CLEAR: both;MIN-HEIGHT: 1em;ORPHANS: 2;WIDOWS: 2;MARGIN: 0px;LETTER-SPACING: normal;PADDING-RIGHT: 0px;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">RD-WRAP: break-word !important;MAX-WIDTH: 100%;PADDING-BOTTOM: 0px;PADDING-: 0px;PADDING-LEFT: 0px;MARGIN: 0px;PADDING-RIGHT: 0px">

RD-WRAP: break-word !important;MAX-WIDTH: 100%;FONT-FAMILY: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif;WHITE-SPACE: normal;WORD-SPACING: 0px;TEXT-TRANSFORM: none;FONT-WEIGHT: normal;COLOR: rgb(62,62,62);PADDING-BOTTOM: 0px;FONT-STYLE: normal;PADDING-: 0px;PADDING-LEFT: 0px;CLEAR: both;MIN-HEIGHT: 1em;ORPHANS: 2;WIDOWS: 2;MARGIN: 0px;LETTER-SPACING: normal;PADDING-RIGHT: 0px;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">RD-WRAP: break-word !important;MAX-WIDTH: 100%;PADDING-BOTTOM: 0px;PADDING-: 0px;PADDING-LEFT: 0px;MARGIN: 0px;PADDING-RIGHT: 0px">一位房地产行业分析师表示，首套房贷利率上浮趋势进一步扩大，考虑到二、三线城市的高成交比重，房贷利率的集中上浮将对需求端构成实质性的抑制作用，而非此前趋势上浮所带来的预期引导作用。未来利率继续上浮空间有限，但是短期定向加息效应的升温将显著影响成交意愿，同时近期消费贷的严格监管也将进一步压缩居民端杠杆空间，金九银十或成色不足。

RD-WRAP: break-word !important;MAX-WIDTH: 100%;FONT-FAMILY: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif;WHITE-SPACE: normal;WORD-SPACING: 0px;TEXT-TRANSFORM: none;FONT-WEIGHT: normal;COLOR: rgb(62,62,62);PADDING-BOTTOM: 0px;FONT-STYLE: normal;PADDING-: 0px;PADDING-LEFT: 0px;CLEAR: both;MIN-HEIGHT: 1em;ORPHANS: 2;WIDOWS: 2;MARGIN: 0px;LETTER-SPACING: normal;PADDING-RIGHT: 0px;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">RD-WRAP: break-word !important;MAX-WIDTH: 100%;PADDING-BOTTOM: 0px;PADDING-: 0px;PADDING-LEFT: 0px;MARGIN: 0px;PADDING-RIGHT: 0px">

RD-WRAP: break-word !important;MAX-WIDTH: 100%;FONT-FAMILY: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif;WHITE-SPACE: normal;WORD-SPACING: 0px;TEXT-TRANSFORM: none;FONT-WEIGHT: normal;COLOR: rgb(62,62,62);PADDING-BOTTOM: 0px;FONT-STYLE: normal;PADDING-: 0px;PADDING-LEFT: 0px;CLEAR: both;MIN-HEIGHT: 1em;ORPHANS: 2;WIDOWS: 2;MARGIN: 0px;LETTER-SPACING: normal;PADDING-RIGHT: 0px;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">RD-WRAP: break-word !important;MAX-WIDTH: 100%;PADDING-BOTTOM: 0px;PADDING-: 0px;PADDING-LEFT: 0px;MARGIN: 0px;PADDING-RIGHT: 0px">今年以来，在一、二线热点城市高房价和购房门槛提高之后，大量购房需求向周边外溢和挤出，而且当前房地产政策“因城施策”，三、四线城市继续享受鼓励去库存的政策红利。

RD-WRAP: break-word !important;MAX-WIDTH: 100%;FONT-FAMILY: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif;WHITE-SPACE: normal;WORD-SPACING: 0px;TEXT-TRANSFORM: none;FONT-WEIGHT: normal;COLOR: rgb(62,62,62);PADDING-BOTTOM: 0px;FONT-STYLE: normal;PADDING-: 0px;PADDING-LEFT: 0px;CLEAR: both;MIN-HEIGHT: 1em;ORPHANS: 2;WIDOWS: 2;MARGIN: 0px;LETTER-SPACING: normal;PADDING-RIGHT: 0px;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">RD-WRAP: break-word !important;MAX-WIDTH: 100%;PADDING-BOTTOM: 0px;PADDING-: 0px;PADDING-LEFT: 0px;MARGIN: 0px;PADDING-RIGHT: 0px">

RD-WRAP: break-word !important;MAX-WIDTH: 100%;FONT-FAMILY: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif;WHITE-SPACE: normal;WORD-SPACING: 0px;TEXT-TRANSFORM: none;FONT-WEIGHT: normal;COLOR: rgb(62,62,62);PADDING-BOTTOM: 0px;FONT-STYLE: normal;PADDING-: 0px;PADDING-LEFT: 0px;CLEAR: both;MIN-HEIGHT: 1em;ORPHANS: 2;WIDOWS: 2;MARGIN: 0px;LETTER-SPACING: normal;PADDING-RIGHT: 0px;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">RD-WRAP: break-word !important;MAX-WIDTH: 100%;PADDING-BOTTOM: 0px;PADDING-: 0px;PADDING-LEFT: 0px;MARGIN: 0px;PADDING-RIGHT: 0px">从8月份房价上涨城市数量来看，70个大中城市中，有46个城市新建商品住宅价格出现环比上涨，依然明显超过下调城市。其中，三四线城市成为房价上涨主力。

RD-WRAP: break-word !important;MAX-WIDTH: 100%;FONT-FAMILY: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif;WHITE-SPACE: normal;WORD-SPACING: 0px;TEXT-TRANSFORM: none;FONT-WEIGHT: normal;COLOR: rgb(62,62,62);PADDING-BOTTOM: 0px;FONT-STYLE: normal;PADDING-: 0px;PADDING-LEFT: 0px;CLEAR: both;MIN-HEIGHT: 1em;ORPHANS: 2;WIDOWS: 2;MARGIN: 0px;LETTER-SPACING: normal;PADDING-RIGHT: 0px;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">RD-WRAP: break-word !important;MAX-WIDTH: 100%;PADDING-BOTTOM: 0px;PADDING-: 0px;PADDING-LEFT: 0px;MARGIN: 0px;PADDING-RIGHT: 0px">

RD-WRAP: break-word !important;MAX-WIDTH: 100%;FONT-FAMILY: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif;WHITE-SPACE: normal;WORD-SPACING: 0px;TEXT-TRANSFORM: none;FONT-WEIGHT: normal;COLOR: rgb(62,62,62);PADDING-BOTTOM: 0px;FONT-STYLE: normal;PADDING-: 0px;PADDING-LEFT: 0px;CLEAR: both;MIN-HEIGHT: 1em;ORPHANS: 2;WIDOWS: 2;MARGIN: 0px;LETTER-SPACING: normal;PADDING-RIGHT: 0px;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">RD-WRAP: break-word !important;MAX-WIDTH: 100%;PADDING-BOTTOM: 0px;PADDING-: 0px;PADDING-LEFT: 0px;MARGIN: 0px;PADDING-RIGHT: 0px">不过，本轮去库存方式使得三、四线购房杠杆非常高，隐含着对银行风险。三、四线新增大量首付低于三成的购房者，20%左右购房者是低于三成首付，而首付比例低的购房者违约率是高于首付比例高的人。

RD-WRAP: break-word !important;MAX-WIDTH: 100%;FONT-FAMILY: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif;WHITE-SPACE: normal;WORD-SPACING: 0px;TEXT-TRANSFORM: none;FONT-WEIGHT: normal;COLOR: rgb(62,62,62);PADDING-BOTTOM: 0px;FONT-STYLE: normal;PADDING-: 0px;PADDING-LEFT: 0px;CLEAR: both;MIN-HEIGHT: 1em;ORPHANS: 2;WIDOWS: 2;MARGIN: 0px;LETTER-SPACING: normal;PADDING-RIGHT: 0px;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">RD-WRAP: break-word !important;MAX-WIDTH: 100%;PADDING-BOTTOM: 0px;PADDING-: 0px;PADDING-LEFT: 0px;MARGIN: 0px;PADDING-RIGHT: 0px">

RD-WRAP: break-word !important;MAX-WIDTH: 100%;FONT-FAMILY: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif;WHITE-SPACE: normal;WORD-SPACING: 0px;TEXT-TRANSFORM: none;FONT-WEIGHT: normal;COLOR: rgb(62,62,62);PADDING-BOTTOM: 0px;FONT-STYLE: normal;PADDING-: 0px;PADDING-LEFT: 0px;CLEAR: both;MIN-HEIGHT: 1em;ORPHANS: 2;WIDOWS: 2;MARGIN: 0px;LETTER-SPACING: normal;PADDING-RIGHT: 0px;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">RD-WRAP: break-word !important;MAX-WIDTH: 100%;PADDING-BOTTOM: 0px;PADDING-: 0px;PADDING-LEFT: 0px;MARGIN: 0px;PADDING-RIGHT: 0px">RD-WRAP: break-word !important;MAX-WIDTH: 100%;PADDING-BOTTOM: 0px;PADDING-: 0px;PADDING-LEFT: 0px;MARGIN: 0px;PADDING-RIGHT: 0px">RD-WRAP: break-word !important;MAX-WIDTH: 100%;COLOR: rgb(255,255,255);PADDING-BOTTOM: 0px;PADDING-: 0px;PADDING-LEFT: 0px;MARGIN: 0px;PADDING-RIGHT: 0px;BACKGROUND-COLOR: rgb(255,76,65)">过户后银行迟迟不予发放尾款该如何处理？

RD-WRAP: break-word !important;MAX-WIDTH: 100%;FONT-FAMILY: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif;WHITE-SPACE: normal;WORD-SPACING: 0px;TEXT-TRANSFORM: none;FONT-WEIGHT: normal;COLOR: rgb(62,62,62);PADDING-BOTTOM: 0px;FONT-STYLE: normal;PADDING-: 0px;PADDING-LEFT: 0px;CLEAR: both;MIN-HEIGHT: 1em;ORPHANS: 2;WIDOWS: 2;MARGIN: 0px;LETTER-SPACING: normal;PADDING-RIGHT: 0px;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">RD-WRAP: break-word !important;MAX-WIDTH: 100%;PADDING-BOTTOM: 0px;PADDING-: 0px;PADDING-LEFT: 0px;MARGIN: 0px;PADDING-RIGHT: 0px">房贷市场不仅利率上调，放款周期变得更长。中原地产的深圳商业银行放贷利率情况显示，多数银行放贷时间均是放款缓慢或是不确定。

RD-WRAP: break-word !important;MAX-WIDTH: 100%;FONT-FAMILY: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif;WHITE-SPACE: normal;WORD-SPACING: 0px;TEXT-TRANSFORM: none;FONT-WEIGHT: normal;COLOR: rgb(62,62,62);PADDING-BOTTOM: 0px;FONT-STYLE: normal;PADDING-: 0px;PADDING-LEFT: 0px;CLEAR: both;MIN-HEIGHT: 1em;ORPHANS: 2;WIDOWS: 2;MARGIN: 0px;LETTER-SPACING: normal;PADDING-RIGHT: 0px;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">RD-WRAP: break-word !important;MAX-WIDTH: 100%;PADDING-BOTTOM: 0px;PADDING-: 0px;PADDING-LEFT: 0px;MARGIN: 0px;PADDING-RIGHT: 0px">

RD-WRAP: break-word !important;MAX-WIDTH: 100%;FONT-FAMILY: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif;WHITE-SPACE: normal;WORD-SPACING: 0px;TEXT-TRANSFORM: none;FONT-WEIGHT: normal;COLOR: rgb(62,62,62);PADDING-BOTTOM: 0px;FONT-STYLE: normal;PADDING-: 0px;PADDING-LEFT: 0px;CLEAR: both;MIN-HEIGHT: 1em;ORPHANS: 2;WIDOWS: 2;MARGIN: 0px;LETTER-SPACING: normal;PADDING-RIGHT: 0px;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">RD-WRAP: break-word !important;MAX-WIDTH: 100%;PADDING-BOTTOM: 0px;PADDING-: 0px;PADDING-LEFT: 0px;MARGIN: 0px;PADDING-RIGHT: 0px">广东华商律师事务所律师周争锋对记者表示，眼下，普遍发生二手房过户后银行迟迟不予发放尾款的纠纷。

RD-WRAP: break-word !important;MAX-WIDTH: 100%;FONT-FAMILY: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif;WHITE-SPACE: normal;WORD-SPACING: 0px;TEXT-TRANSFORM: none;FONT-WEIGHT: normal;COLOR: rgb(62,62,62);PADDING-BOTTOM: 0px;FONT-STYLE: normal;PADDING-: 0px;PADDING-LEFT: 0px;CLEAR: both;MIN-HEIGHT: 1em;ORPHANS: 2;WIDOWS: 2;MARGIN: 0px;LETTER-SPACING: normal;PADDING-RIGHT: 0px;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">RD-WRAP: break-word !important;MAX-WIDTH: 100%;PADDING-BOTTOM: 0px;PADDING-: 0px;PADDING-LEFT: 0px;MARGIN: 0px;PADDING-RIGHT: 0px">

RD-WRAP: break-word !important;MAX-WIDTH: 100%;FONT-FAMILY: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif;WHITE-SPACE: normal;WORD-SPACING: 0px;TEXT-TRANSFORM: none;FONT-WEIGHT: normal;COLOR: rgb(62,62,62);PADDING-BOTTOM: 0px;FONT-STYLE: normal;PADDING-: 0px;PADDING-LEFT: 0px;CLEAR: both;MIN-HEIGHT: 1em;ORPHANS: 2;WIDOWS: 2;MARGIN: 0px;LETTER-SPACING: normal;PADDING-RIGHT: 0px;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">RD-WRAP: break-word !important;MAX-WIDTH: 100%;PADDING-BOTTOM: 0px;PADDING-: 0px;PADDING-LEFT: 0px;MARGIN: 0px;PADDING-RIGHT: 0px">周争锋介绍，最近一断时间接到的咨询，主要集中在买卖双方已经过户完成，买家取得房产证并抵押给按揭银行，但是银行迟迟不放尾款的情况。过户后买家已经完成抵押登记，但是银行以房贷额度紧张为由不及时安排放款，要想快点放款银行通常会有两个要求，一是买家同意利率上浮，二是购买银行推荐的金融产品。

RD-WRAP: break-word !important;MAX-WIDTH: 100%;FONT-FAMILY: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif;WHITE-SPACE: normal;WORD-SPACING: 0px;TEXT-TRANSFORM: none;FONT-WEIGHT: normal;COLOR: rgb(62,62,62);PADDING-BOTTOM: 0px;FONT-STYLE: normal;PADDING-: 0px;PADDING-LEFT: 0px;CLEAR: both;MIN-HEIGHT: 1em;ORPHANS: 2;WIDOWS: 2;MARGIN: 0px;LETTER-SPACING: normal;PADDING-RIGHT: 0px;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">RD-WRAP: break-word !important;MAX-WIDTH: 100%;PADDING-BOTTOM: 0px;PADDING-: 0px;PADDING-LEFT: 0px;MARGIN: 0px;PADDING-RIGHT: 0px">

RD-WRAP: break-word !important;MAX-WIDTH: 100%;FONT-FAMILY: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif;WHITE-SPACE: normal;WORD-SPACING: 0px;TEXT-TRANSFORM: none;FONT-WEIGHT: normal;COLOR: rgb(62,62,62);PADDING-BOTTOM: 0px;FONT-STYLE: normal;PADDING-: 0px;PADDING-LEFT: 0px;CLEAR: both;MIN-HEIGHT: 1em;ORPHANS: 2;WIDOWS: 2;MARGIN: 0px;LETTER-SPACING: normal;PADDING-RIGHT: 0px;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">RD-WRAP: break-word !important;MAX-WIDTH: 100%;PADDING-BOTTOM: 0px;PADDING-: 0px;PADDING-LEFT: 0px;MARGIN: 0px;PADDING-RIGHT: 0px">周争锋表示，依据深圳网签的递件合同第九条，卖家是没有办法追究买家承担付款的违约责任。在买卖双方递件的网签合同第九条，关于买家付款的违约责任条款，明确约定了因银行贷款原因导致买方付款的，买家不承担违约责任。

RD-WRAP: break-word !important;MAX-WIDTH: 100%;FONT-FAMILY: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif;WHITE-SPACE: normal;WORD-SPACING: 0px;TEXT-TRANSFORM: none;FONT-WEIGHT: normal;COLOR: rgb(62,62,62);PADDING-BOTTOM: 0px;FONT-STYLE: normal;PADDING-: 0px;PADDING-LEFT: 0px;CLEAR: both;MIN-HEIGHT: 1em;ORPHANS: 2;WIDOWS: 2;MARGIN: 0px;LETTER-SPACING: normal;PADDING-RIGHT: 0px;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">RD-WRAP: break-word !important;MAX-WIDTH: 100%;PADDING-BOTTOM: 0px;PADDING-: 0px;PADDING-LEFT: 0px;MARGIN: 0px;PADDING-RIGHT: 0px">

RD-WRAP: break-word !important;MAX-WIDTH: 100%;FONT-FAMILY: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif;WHITE-SPACE: normal;WORD-SPACING: 0px;TEXT-TRANSFORM: none;FONT-WEIGHT: normal;COLOR: rgb(62,62,62);PADDING-BOTTOM: 0px;FONT-STYLE: normal;PADDING-: 0px;PADDING-LEFT: 0px;CLEAR: both;MIN-HEIGHT: 1em;ORPHANS: 2;WIDOWS: 2;MARGIN: 0px;LETTER-SPACING: normal;PADDING-RIGHT: 0px;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">RD-WRAP: break-word !important;MAX-WIDTH: 100%;PADDING-BOTTOM: 0px;PADDING-: 0px;PADDING-LEFT: 0px;MARGIN: 0px;PADDING-RIGHT: 0px">周争锋建议，为了避免出现过户后尾款迟迟收不到的情况，出卖人在出售房产时，有必要就尾款的最终收款时间和买受人作一个单独的约定，约定不论什么原因卖家超过双方约定的时间收到尾款，买家均应该承担延迟履行的违约责任。注意这样的约定应该在中介版本的买卖合同和递件过户的网签合同备注条款中，同时出现。只是体现在中介版本的买卖合同中，会在法律适用上造成不必要的麻烦，也就是法院审理时究竟应该以那一份合同做为最终定案依据的法律困扰。

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