北京首套房贷利率提升0.01个百分点，法拍贷款利率随之调整
2019-11-13 11:54:27 / 瀚海拍卖
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<span style="font-family:微软雅黑;font-size:small;"><span style="display:inline !important;"> </span><span style="display:inline !important;"> </span><span style="display:inline !important;"> 个人住房贷款利率8日正式执行，北京首套房贷款主流利率为基准利率为5.39%；二套房贷款利率为基准利率为5.88%，此次房产规定的调整，也将影响法拍贷款利率随之增加。</span><br />
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<span style="font-family:微软雅黑;font-size:small;"><span style="display:inline !important;"> 个人住房贷款利率8日正式执行。</span><span style="font-weight:bold;">北京地区新的个人住房贷款定价基准：</span><span style="display:inline !important;">首套商业性个人住房贷款利率不低于相应期限LPR（贷款市场报价利率）55个基点（一个基点等于0.01%），二套商业性个人住房贷款利率不低于相应期限LPR105个基点。</span></span>
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<span style="font-family:微软雅黑;font-size:small;"> 按照央行9月20日公布的五年期LPR4.85%的水平计算，北京市首套个人住房贷款利率下限是5.4%，二套是5.9%。</span>
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<ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"="" style="font-family: 微软雅黑; font-size: small;"> 此前，北京首套房贷款主流利率为基准利率4.90%上浮10%，即5.39%；二套房贷款利率为基准利率上浮20%，即5.88%。从绝对数值看，新规执行后，北京地区的首套房贷款最低利率上浮0.01%，二套房贷款利率上浮0.02%。
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<span style="font-family:微软雅黑;font-size:small;"><img src="https://fapai-public.oss-cn-beijing.aliyuncs.com/pic/20191010/1570673980125498.jpeg" /></span>
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<ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"="" style="font-family: 微软雅黑; font-size: small;">举例：100万元25年期的首套房贷，采用等额本息的还款方式，之前每月月供6075.36元，新规执行后月供为6081.30元，每月贷款利息增加约6元；若是二套房，之前月供为6369.86元，改革后的月供为6382.02元，每月贷款利息增加约12元。
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<ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"="" style="font-family: 微软雅黑; font-size: small;">
<ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" letter-spacing:="" 0.2px"=""><b>来源：北京青年报</b>
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<span style="font-family:微软雅黑;font-size:small;"><span></span> 对于法拍房贷款事项，法拍贷款按揭不止解决了司法拍卖一次性付款的难题，提高了拍卖成交率，还大大降低了司法网拍的参加门槛，提高了不良资产的处置功率。此次房产规定的调整，也将影响法拍贷款利率随之调整。<br />
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<ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" letter-spacing:="" 0.2px"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"="" style="font-weight: bold; font-family: 微软雅黑; font-size: small;">
<ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" letter-spacing:="" 0.2px"="">那么，法拍贷款利率是多少？
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<span style="font-family:微软雅黑;font-size:small;"><span style="display:inline !important;"> 一般来说，法拍房贷款最高额度可达六成。如果购买首套房产，普通住宅最高可贷款6.5</span><span style="display:inline !important;">成，非普通住宅最高可贷款</span><span style="display:inline !important;">6</span><span style="display:inline !important;">成；如果购买的是第二套房产，普通住宅最高可贷款</span><span style="display:inline !important;">4</span><span style="display:inline !important;">成，非普通住宅可贷款</span><span style="display:inline !important;">2成。</span></span>
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<span style="font-family:微软雅黑;display:inline !important;font-size:small;"><img src="https://fapai-public.oss-cn-beijing.aliyuncs.com/pic/20191010/1570674118125499.jpeg" /><br />
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<ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" letter-spacing:="" 0.2px"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" letter-spacing:="" 0.2px"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"="" style="font-family: 微软雅黑; font-size: small;">
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<ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" letter-spacing:="" 0.2px"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" letter-spacing:="" 0.2px"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"="" style="font-family: 微软雅黑; font-size: small;"> 目前的法拍房贷款政策，银行的首套利率为基准利率上浮5%-10%，二套利率上浮20%，按北京调整后的利率来计算，首套法拍贷款利率约为10.39%-15.39%，二套法拍贷款利率约为25.88%，批贷周期一般为三个工作日（申请贷款资料齐全）。
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<ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" letter-spacing:="" 0.2px"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" letter-spacing:="" 0.2px"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><span style="font-family:微软雅黑;display:inline !important;font-size:small;"><span style="display:inline !important;"> 关于贷款的具体情况，可以委托专业的法拍机构（如瀚海法拍网）提前与银行进行贷款预审批，提前清晰可以贷多少资金。</span> </span>
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<ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" letter-spacing:="" 0.2px"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" letter-spacing:="" 0.2px"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><span style="font-family:微软雅黑;font-size:small;"> </span><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><span style="font-family:微软雅黑;font-size:small;"> 瀚海法拍网小编提醒：目前北京法拍房的贷款，必须有北京购房指标，根据买受人的个人征信进行审核，法拍贷款政策与二手房贷款政策相同，申请贷款资料齐全，批贷周期为三个工作日。</span><br />
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来源:瀚海拍卖