[新聞] 青年安家房貸 擬提高到700萬
1.來源連結:
http://udn.com/NEWS/FINANCE/FIN1/7928717.shtml
2.內容:
青年安家房貸 擬提高到700萬
【聯合報╱記者羅兩莎/台北報導】 2013.05.29 04:03 am
都會區房價攀高,加上內政部青年安心成家房貸停辦,政院指示財政部
,研議提高財政部主辦的青年安心成家房貸最高額度,自目前的五百萬
元提高到七百萬元,貸款年限自卅年延長至四十年。
財政部高層官員昨天說,目前青年安心成家房貸最高五百萬元的額度,
或許不少貸款戶用不到,但可能還是有年輕人需要,因此財政部指示公
股行庫先研議,不要有預設立場。
財政部高層官員表示,銀行承做房貸業務有十足擔保,而且青年安心成
家房貸都是首購族、風險不高,且可照顧年輕人,財政部原則支持。
不過,大型行庫主管指出,財政部主辦的「青年安心成家專案」,目前
平均貸款金額約三百五十萬至三百六十萬元,五百萬元的貸款上限對多
數貸款人都夠用;而且,年輕人買不起房子,「問題不在貸款額度和年
限,而是房價太貴了。」
銀行主管指出,目前青安房貸幾乎集中在房價較低的桃園、台中、台南
和高雄等中南部地區;雙北市比重很低,特別是房價高的台北市,僅占
百分之五左右。
財政部官員說,過去年輕人申貸額度最高五百萬元的青安房貸時,同時
還可以搭配內政部主辦的額度最高二百萬、前二年零利率「青年安心成
家房貸專案」,兩者合計最高可貸到七百萬元。
但內政部青安房貸今年起停辦,為填補這二百萬元的貸款額度,行政院
副院長毛治國指示財政部研議,把公股行庫主辦的青安房貸額度調至七
百萬元,並延長貸款年限,減輕購屋者負擔。
不過,銀行主管指出,內政部的零利率青安房貸雖停辦,但符合條件者
還可以搭配最高二百萬額度、現行利率百分之一點四一七的內政部「購
置修繕住宅貸款」;但貸款戶須月付四萬一千餘元的房貸,負擔並不輕。
【2013/05/29 聯合報】
3.心得或感想:
資金活水源源不絕
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