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  • 深圳小产权房

    房产业现已明显出现下滑趋势

    阅读:588发布时间:2018-10-03

      如果你还在以几年前的房价来看现在的房价,那你肯定会被吓到。就算是两年前的房价,跟现在也是没得比的。目前的房价已经处于非常高的位置了,但是当一个东西到达一个至高点时,必然会回弹。现在房产业也开始进入落寞的时候了,特别是高层出台政策坚决遏制房价上涨后,房产业明显出现往下滑的趋势。而在这个时候,住房贷款恐怕风险就更大了。


    深圳小产权房网


      购房者通过向银行贷款买房,将风险转嫁给了银行。同时,银行贷款也打破了房产的市场规律,人为地支撑着回落的房产,让房产再挣扎一些日子。可以说,现在真正手头有钱全款买房的,并不多,尤其是在中小城市。为什么买房者还是有那么多呢?一是他们确有需要;二是他们有银行支持。


      我认为,银行需要提高风险防范,谨慎发放住房贷款。一是住房调控力度加大,国家已经坚决遏制房价上涨,此时房价基本居于最高位,以后只会下调。二是不少购房者,已经不是购买的第一套房子,之前已经购买了一套以上,还有贷款需要偿还。此时不宜再发放贷款,特别是银行不要再向尚有贷款没有偿还的购房人贷款了。


      建议银行只向没有欠款、没有贷款、没有透支款的客户发放贷款,即要确保客户不再有其他任何需要偿还的债务,且提高抵押率,最多只能发放房价的百分之五十的额度,以确保贷款安全和效益,如果房价明显虚高,甚至可以考虑降低到百分之四十。


      房产不是永远的风景,房产现在已经走向了没落,不再是朝阳产业了。一定要认识到这个态势,尤其不要支持投机炒作。即使房产抵押率充足,如果购房户还有其他外债,他的收入恐怕也难支付每月的分期贷款额。因为房产只有在变现的情况下,才能变成现金用于归还贷款,而在房产变现前,贷款依然需要购房户每月稳定的收入确保贷款得到分期偿还。因此,银行绝对不能认为对方房产抵押率足够就认为没有风险了,真正的风险在房产之外的那份收入。银行要考虑的不是其房产价值,而是他有没有足够的能力以流动资金和稳定收入偿还贷款。那个所谓抵押的房子,在没有法律允许的情况下,银行其实是没有权利处分其房产的,也无法将抵押的房产变现的。住房贷款真的不只是单纯的房产价值贷款,而其实是他们有没有足够的收入和流动资金支撑可以分期偿还的额度,因为房产价值再高,也很难随时变现。