[新聞] 向投資客宣戰!楊金龍:不是你要貸多少就很容易
看板home-sale (房屋交易)作者tecofilmlove (teco+film+love)時間9小時前 (2024/09/19 18:15)推噓35(44推 9噓 35→)留言88則, 64人參與討論串1/1
向投資客宣戰!楊金龍:不是你要貸多少就很容易
房價漲勢難抑,中央銀行19日祭出第七波選擇性信用管制措施,其中包括自然人名下有房
屋者之第1戶購屋貸款不得有寬限期,全台第2戶購屋貸款最高成數由6成降為5成,被視作
史上最猛打房。央行總裁楊金龍坦言,要讓投資、投機客知道,「不是你要貸多少就很容
易」,也要讓社會知道央行對房市COOL DOWN(降溫)決心。
央行指出,2023年下半年起,房市交易成長回升,房價漲幅擴大,帶動購置住宅貸款年增
率持續上升,至本年8月底為11.0%,係2006年5月以來新高,另建築貸款年增率亦回升,
至8月底為5.0%,致全體銀行不動產貸款占總放款比率(不動產貸款集中度)居高,至本年
8月底為37.5%,接近歷史高點之37.9%。
對於為何此時出重手?楊金龍坦言,從放款的集中度,很顯然大幅流向房地產,排擠對整
個經濟成長比較有貢獻的生產事業投資,加上現在的氛圍,就是預期房市會一直往上,此
次選擇性信用管制是「嚴肅的措施」,對市場要釋放出明確的訊息,也給投資客跟投機客
有個警覺,「不是你要貸多少就很容易」。
楊金龍表示,此次(第七次)選擇性信用管制在理監事會裡討論,幾乎是過去六次的總和
,「不輸一到六次的加總」,顯示對這個議題之重視。且就是藉這個機會讓社會知道央行
對房市COOL DOWN的決心,至於房市有無泡沫,這個很難去定義,但央行能做的事情就是
在適當時機做適當措施,讓房市soft landing(軟著陸)。
央行先前已邀請34家本國銀行座談,以道德勸說方式,請其在不影響無自用住宅民眾購屋
融資需求,以及業者推動都市更新、危老重建、社會住宅等配合政府政策相關用途,及企
業購建自用廠辦等所需之資金前提下,研提未來一年自主管理之不動產貸款具體量化改善
方案,改善信用資源過度集中不動產貸款情形。
https://www.chinatimes.com/realtimenews/20240919004288-260410 中時 黃琮淵
=========
目的是希望 房市 軟著陸
只要小跌一點 下次就會又放寬了 ~~
--
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