[新聞] 快訊/央行出重手!利率連2凍 第7波房市管制上膛、升準1碼
看板home-sale (房屋交易)作者DDDDRR (DDDDRR沒人在意了吧?!)時間10小時前 (2024/09/19 16:48)推噓174(187推 13噓 157→)留言357則, 210人參與討論串1/10 (看更多)
連結:快訊/央行出重手!利率連2凍 第7波房市管制上膛、升準1碼
https://finance.ettoday.net/news/2819820?from=ettoday_app
內文:記者陳瑩欣/台北報導
雖美國聯準會(Fed)宣布降息2碼(0.5個百分點),啟動降息循環,惟中央銀行今(19)日召開第三季理監事會議,會中維持政策利率不變,利率連2凍,但祭出第7波調整選擇性信用管制措施。至於外界原預期調升新台幣存款準備率0.25個百分點,央行此次追加祭出升1碼(0.25個百分點)。
央行指出,本行理事會一致同意維持政策利率不變、調整選擇性信用管制措施及調升新台幣存款準備率0.25個百分點。
1. 新增規範自然人名下有房屋者之第1戶購屋貸款不得有寬限期。
2. 自然人第2戶購屋貸款最高成數由6成降為5成,並擴大實施地區至全國。
3. 公司法人購置住宅貸款、自然人購置高價住宅貸款及第3戶(含)以上購屋貸款之最高成數由4成降為3成。
4. 餘屋貸款最高成數由4成降為3成。
此外,本行認為搭配調升存款準備率,透過加強貨幣信用之數量管理,以強化本行道德勸說措施及本次選擇性信用管制措施成效,將有助進一步減緩信用資源流向不動產市場。新台幣活期性及定期性存款準備率各調升0.25個百分點,自本年10月1日起實施
央行在3月第一季理監事會議意外升息,上一季會議(6月)維持利率不動,在今日會議中決義維持利率不變,連2凍,重貼現率、擔保放款融通利率及短期融通利率,分別維持年息2%、2.375%及4.25%。
央行從2020年底配合行政院的「健全房地產方案」,提出房市信用管制措施,陸續將自然人購屋貸款、法人購地、餘屋貸款及工業區廠房貸款等納入管制。
去年央行先是取消特定區域自然人第二戶寬限期,今年6月將特定區域自然人第二戶貸款成數上限下修至6成,今日會議中對房市控管看法最受外界矚目。
心得:
已有不動產第一戶購屋沒寬限期
但有人說高利貸都賺看起來也沒什麼
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