[閒聊] 不動產貸款集中給新青安風險會不會太高?
看板home-sale (房屋交易)作者PTTVERTWO (PTTVERTWO)時間1周前 (2024/09/03 00:40)推噓29(36推 7噓 58→)留言101則, 50人參與討論串1/1
72-2規定不動產放款上限就是為了怕銀行單一種資產部位太大,所以強制銀行分散資產部
位。但現在這樣銀行的不動產放款集中在新青安,就不動產放款這項,風險不會偏高嗎?
新青安貸款人相對的還款能力就比資產族或中壯年高薪族差,現在又有超長寬限期,應
該有不少人是硬捏墊著腳尖買,潛在違約率恐怕不低。
銀行若真要集中放款給新青安,建議還是應該要取消寬限期。雖說銀行核貸會審
核寬限期後的收支比,但畢竟不可能真的查很細。不如直接取消寬限期,這樣貸款人也會
自我審核,比較不會去做超出能力的事,銀行不動產放款集中在新青安的倒帳風險也可降
低。
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