[閒聊] 少了換房族供給中古屋 確定不會更缺房嗎?
對銀行來說房貸為低風險的就是有房的換房族
這個很高機率可以收回本金 這些人需要貸款很單純只是周轉問題
大部分等地產脫手後就會提前還完房貸
房貸最高風險的不就是無產的無殼蝸牛嗎?
畢竟正常情況無殼蝸牛是需要用收入來還錢的 持續30年這個風險都很難講
如果強迫銀行只能貸款房貸給無殼蝸牛 不就是讓銀行去承受巨大風險
等於銀行能選擇的貸款人被嚴重限縮了
而且原本要換房的中古屋供給突然萎縮 本來財力就只能買中古屋的無殼蝸牛突然被斷貨
原本建商屯房就沒差了 少了中古屋競爭 是不是有可能更可以坐地喊價?
感覺這樣一搞市場上的房供給更缺 會更多人沒辦法買房欸
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※ 編輯: peter080808 (114.36.205.69 臺灣), 09/02/2024 22:54:29
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