[新聞] 郭國文:央行出手有助房價下跌 籲銀行優先放貸首購族 https://www.ctee.com
連結:
《金融》郭國文:央行出手有助房價下跌 籲銀行優先放貸首購族 https://www.ctee.com
.tw/news/20240822700830-430301
內文:
針對央行邀集本國銀行「喝咖啡」呼籲改善放款「集中度」,立委郭國文今天表示,可預
期未來「房價下跌」,因此對於央行願意跨出這重要的一步,改善台灣高房價問題,給予
肯定。
不過,央行總量管制措施,對有意買房的無殼蝸牛而言,勢必會造成衝擊!郭國文認為,
金管會應該提出相對應的政策以落實居住正義,他提議銀行在審查不動產放款時,應該以
「首購族」作為優先放貸對象,而不是僅放行給利率高的客戶。
面對我國銀行不動產放款集中度高,導致房價不斷上漲,立法委員郭國文於今年7月10日
要求央行與金管會研擬,針對不動產放款設定總量管制,而近期央行也證實,請銀行於9
月6日前,提出不動產貸款具體量化改善方案。
郭國文表示,從2020年12月至今,央行推出6波信用管制後,不動產放款集中度仍居高不
下,2024年6月底全集中度高達37.4%,跟歷史高點37.9%僅差0.5個百分點。
過去郭國文在質詢中央銀行時,總裁楊金龍指出,由於房價高,所以不動產集中度高;但
同時,由於集中度高,房價就更不可能跌,所以集中度與房價相輔相成。
心得:
哪裏跌、哪裏不跌?
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