[閒聊] 這次的房貸政策是金融界的笑
央行宣布,非首購買第二間最多五成,而且沒有寬限期。
乍看之下是為了讓首購有房子住。
但其實從銀行授信的角度來看,
這完全是一場笑話。
為什麼呢?
因為買第二戶的人,名下除了新買的房子可以當擔保品外,
原有沒賣掉的房子也可以當擔保品。
從銀行授信風險的角度來看,
兩個擔保品的風險小於一個擔保品。
所以正常的授信應該是多屋族可以貸比較多。(原房貸所剩無幾的情形下)
但這次因為央行的政策,銀行反其道而行,優先貸給風險較高的首購族,
成數較高、利率較低、還有最多五年的寬限期。
這算什麼風險控管?把公股銀行當成提款機來履行政見芭樂票嗎?
板上房蟲怎麼有辦法忍受?努力多年買了一間房子,
結果銀行給的貸款成數比小白還低,利率比小白還高,還不能寬限?!
這是笑話吧。
我是不知道房仲業和房蟲是怎麼有辦法忍受這種非人的歧視性待遇。
要是我早就上街絕食抗議了。
你各位怎麼看?
嘻嘻
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