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央行释放重要信号:居民资金进入楼市!

来源: 南方日报网络版     时间: 2019年12月16日 20:24:23
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(原)(标)(题)(:央)(行)(释)(放)(重)(要)(信)(号)(:居)(民)(资)(金)(进)(入)(楼)(市)(!
根)(据)(9月)(12日)(,央)(行)(公)(布)(的)(最)(新)(数)(据)(显)(示)(:8月)(份)(,个)(人)(房)(贷)(占)(比)(较)(7月)(份)(上)(升)(!
8月)(份)(,人)(民)(币)(贷)(款)(增)(加)(1.28万)(亿)(元)(,其)(中)(,住)(户)(部)(门)(贷)(款)(增)(加)(7012亿)(元)((短)(期)(贷)(款)(增)(加)(2598亿)(元)(,中)(长)(期)(贷)(款)(增)(加)(4415亿)(元)()。
7月)(份)(,人)(民)(币)(贷)(款)(增)(加)(1.45万)(亿)(元)(,其)(中)(,住)(户)(部)(门)(贷)(款)(增)(加)(6344亿)(元)((短)(期)(贷)(款)(增)(加)(1768亿)(元)(,中)(长)(期)(贷)(款)(增)(加)(4576亿)(元)()
长)(期)(贷)(款)(一)(般)(是)(指)(5年)(以)(上)((不)(含)(5年)()的)(贷)(款)(,个)(人)(贷)(款)(5年)(以)(上)(的)(只)(有)(房)(贷)(,所)(以)(我)(们)(用)(中)(长)(期)(贷)(款)(增)(量)(除)(以)(人)(民)(币)(贷)(款)(就)(可)(以)(知)(道)(房)(贷)(在)(新)(增)(贷)(款)(当)(中)(的)(占)(比)(,通)(过)(计)(算)(,8月)(份)(是)(34.49%,7月)(份)(是)(31.55%,也)(就)(是)(说)(8月)(份)(房)(贷)(占)(比)(是)(增)(加)(的)(。
但)(是)(这)(个)(数)(据)(不)(一)(定)(会)(准)(确)(,因)(为)(有)(些)(短)(期)(贷)(款)(的)(资)(金)(也)(是)(用)(来)(买)(房)(。所)(以)(我)(们)(用)(住)(户)(部)(门)(贷)(款)(增)(加)(量)((短)(期)(+长)(期)()占)(人)(民)(币)(新)(增)(贷)(款)(比)(重)(来)(测)(算)(出)(房)(贷)(占)(比)(,通)(过)(计)(算)(,8月)(份)(是)(54.78%,7月)(份)(是)(43.75%。
相)(比)(起)(来)(:
1、无)(论)(是)(哪)(种)(方)(式)(计)(算)(,8月)(份)(的)(房)(贷)(占)(比)(都)(会)(比)(7月)(份)(增)(加)(;
2、通)(过)(住)(户)(部)(门)(贷)(款)(计)(算)(的)(房)(贷)(占)(比)(8月)(份)(不)(仅)(过)(半)(而)(且)(增)(长)(的)(速)(度)(比)(7月)(份)(大)(幅)(增)(长)(。
那)(么)(哪)(种)(方)(式)(计)(算)(更)(准)(确)(?我)(认)(为)(,住)(户)(部)(门)(贷)(款)(来)(作)(为)(个)(人)(房)(贷)(更)(为)(准)(确)(些)(,个)(人)(贷)(款)(用)(途)(包)(括)(买)(房)(、买)(车)(、装)(修)(、旅)(游)(、消)(费)(,你)(看)(除)(了)(楼)(市)(之)(外)(,还)(有)(哪)(项)(用)(途)(占)(那)(么)(大)(的)(资)(金)(。有)(的)(可)(能)(是)(以)(“挂)(羊)(头)(卖)(狗)(肉)(”方)(式)(进)(入)(楼)(市)(。
8月)(份)(,多)(家)(银)(行)(因)(个)(人)(信)(贷)(资)(金)(违)(规)(流)(入)(楼)(市)(而)(受)(到)(处)(罚)(。根)(据)(《证)(券)(日)(报)(》提)(供)(的)(信)(息)(:建)(设)(银)(行)(宁)(波)(市)(分)(行)(因)(个)(人)(贷)(款)(资)(金)(违)(规)(流)(入)(股)(市)(、房)(市)(,被)(罚)(20万)(元)(;中)(信)(银)(行)(总)(行)(营)(业)(部)(,因)(个)(人)(住)(房)(按)(揭)(贷)(款)(和)(个)(人)(经)(营)(性)(贷)(款)(管)(理)(严)(重)(违)(反)(相)(关)(规)(定)(,被)(责)(令)(改)(正)(,并)(被)(罚)(80万)(元)(。
据)(悉)(,个)(人)(房)(贷)(违)(规)(进)(入)(楼)(市)(的)(方)(式)(主)(要)(有)(两)(种)(:1、把)(贷)(款)(的)(资)(金)(从)(银)(行)(取)(出)(,然)(后)(用)(来)(买)(房)(,这)(种)(方)(式)(资)(金)(的)(去)(向)(几)(乎)(查)(不)(到)(,但)(是)(涉)(及)(到)(大)(额)(取)(款)(时)(银)(行)(会)(问)(你)(资)(金)(的)(用)(途)(;2、将)(贷)(款)(资)(金)(转)(给)(直)(系)(亲)(属)(以)(外)(的)(第)(3人)(,一)(般)(来)(说)(如)(果)(不)(是)(直)(系)(亲)(属)(,银)(行)(对)(资)(金)(的)(流)(向)(监)(控)(比)(较)(弱)(。
对)(银)(行)(来)(说)(,由)(于)(资)(金)(配)(置)(荒)(,考)(核)(又)(特)(别)(严)(,所)(以)(有)(的)(时)(候)(可)(能)(是)(睁)(一)(只)(眼)(闭)(一)(只)(眼)(;对)(个)(人)(来)(说)(,通)(过)(低)(廉)(的)(银)(行)(贷)(款)(买)(房)(,可)(以)(加)(大)(杠)(杆)(,助)(推)(楼)(市)(温)(度)(。
同)(时)(也)(加)(大)(了)(房)(产)(的)(货)(币)(化)(,增)(加)(金)(融)(属)(性)(,我)(在)(2017年)(7月)(16日)(《买)(一)(套)(300万)(的)(房)(子)(,我)(们)(给)(国)(家)(创)(造)(了)(多)(少)(钱)(?》一)(文)(当)(中)(说)(过)((微)(信)(公)(众)(号)(:小)(白)(读)(财)(经)(,可)(查)(看)():
买)(一)(套)(300万)(的)(房)(子)(,首)(付)(90万)(,贷)(款)(210万)(,这)(就)(意)(味)(着)(有)(210万)(的)(资)(金)(从)(银)(行)(打)(到)(开)(发)(商)(的)(账)(户)(,形)(成)(开)(发)(商)(的)(存)(款)(,即)(其)(他)(什)(么)(都)(没)(变)(,市)(场)(上)(突)(然)(增)(加)(210万)(存)(款)(,这)(就)(是)(货)(币)(。广)(义)(货)(币)(包)(括)(存)(款)(、现)(金)(,所)(以)(买)(房)(是)(可)(以)(创)(造)(货)(币)(的)(,楼)(市)(温)(度)(越)(高)(,通)(过)(买)(房)(创)(造)(的)(货)(币)(就)(越)(多)(!
2016年)(房)(地)(产)(贷)(款)(余)(额)(在)(M2余)(额)(当)(中)(的)(占)(比)(是)(17.21%,2017年)(是)(19.23%,2018年)(6月)(是)(20.21%,也)(就)(是)(说)(比)(例)(是)(在)(上)(升)(的)(。
这)(告)(诉)(我)(们)(:
1、通)(过)(房)(地)(产)(创)(造)(的)(货)(币)(仍)(然)(是)(在)(增)(加)(;
2、中)(国)(经)(济)(摆)(脱)(对)(房)(地)(产)(的)(依)(赖)(仍)(然)(需)(要)(一)(个)(过)(程)(。
如)(果)(你)(觉)(得)(文)(章)(很)(棒)(,对)(你)(有)(帮)(助)(,可)(以)(关)(注)(作)(者)(的)(微)(信)(公)(众)(号)(:小)(白)(读)(财)(经)((ID:xiaobaiducaijing),订)(阅)(更)(多)(的)(优)(质)(原)(创)(推)(文)(!返)(回)(搜)(狐)(,查)(看)(更)(多)(
责)(任)(编)(辑)(:
)


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