[新聞] 房貸平台出爐!11家認撥款要排隊 遠銀爆「排到明年一月」
房貸平台出爐!11家認撥款要排隊 遠銀爆「排到明年一月」
連結:https://finance.ettoday.net/news/2814188
內文:
記者陳瑩欣/台北報導
房貸荒燒不停,為了解決民眾「一貸難求」的問題,銀行公會建立房貸授信資訊平台,固
定每周五向外公告銀行借貸情形,首波資料顯示,有11家銀行承認撥款需要「排隊等待」
,其中遠東銀行直接自爆「排到明年一月」。
銀行公會公告資料指出,11家貸款需要排隊的銀行中,有5家是財政部官股銀行,包括:
合作金庫銀行、第一銀、華南銀、彰銀、兆豐銀、台中銀、北富銀、新光銀、遠東銀、台
新銀、安泰銀等,又以遠東銀明確表態,現行排隊撥款已到明年1月。
針對房貸,合庫提出2點說明,1、以新青安貸款及無自用住宅貸款(首購)為主,惟因目前
案件量大,審核時間較長,需視本行資金狀況依序撥款,請客戶評估買賣合約交屋期限,
是否能配合撥款期程。
第2、合庫銀強調保有最終核貸權,依借戶資力核予相關貸款條件(包含但不限於貸款期間
、貸放成數、利率及寬限期)。
台中銀行也明文指出,「本行以首次購屋民眾優先受理,且目前案件數眾多,受理後之審
核及撥款時程需等待較長時間,倘客戶用款時程可配合等待期,本行竭誠為您服務。」
玉山銀率先針對「無自用住宅」喊出房貸利率2.6%起,其他房貸則是2.98%起,比一般行
庫首購族房貸息2.2%起還高,玉山銀明確定義「無自用住宅」是指借款人名下無不動產者
,並依國稅局的總歸戶財產清單判斷。
心得:
https://www.ba.org.tw/Notice/Detail/1803
https://ba.org.tw/PublicInformation/BusinessDetail/82
銀行公會的公告內容看起來,玉山已經把風控拉到最高了,另外很多家都在講的授信5P
原則,銀行授信須考量借款戶(people)、資金用途(purpose)、還款來源(payment)
債權保障(protection)及授信展望(perspective)。也就是你條件不好,或是條件好
但是信用過度擴張也是貸不下來喔。
--
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