[新聞] 專家:房貸利率高於5% 恐現斷頭潮
內文:
2017年04月10日 04:09 黃惠聆/台北報導
美國聯準會啟動升息機制後,有房貸者都擔心央行也會跟著升息,根據調查顯示,有8成
購屋者只能忍受上限是3碼,另一方面,準備購屋者也正在快升息才有「斷頭屋」可買,
不過,專家認為,利率必須要至3%之上,甚至到4~5%時,斷頭屋才會從市場大量拋出
,但短期內恐不易看到。
永慶房屋集團管理部經理謝志傑表示,根據永慶房屋調查,高達79%購屋者和68%售屋者
,對於升息的承受力上限只到2.5%左右,也就是再升息3碼,就超過民眾房貸負擔能力,
依照過去每次升息約半碼,大約升6次。
永慶房屋集團業務總經理葉凌棋指出,美國已經啟動升息循環,今年可能再升息1~2次,
台灣未來也無排除也會跟著升息,升息恐影響民眾購屋意願,也將成為未來房市重要的變
數。
至於民眾想要等斷頭屋,住商不動產企劃研究室主任徐佳馨則認為不容易,因為央行升息
半碼,反映在房貸利率僅0.06~0.07個百分點,因此,房貸利率要升到3%的壓力點還有
很長的距離。
其次,多數屋主甚至投資客取得時間早,成本較低,除非個人資金周轉有問題,不然不容
易產生「斷頭屋」,市場上要出現大量「斷頭屋」壓力不大,想要期待如果去幾波多頭轉
空,法拍市場出現爆量來撿便宜的狀態並不容易。
中信房屋行銷企劃部副理江龍名表示,目前房貸利率多為1~2%,若政府近期升息,不會
一下子就跳到要命的數字,影響消費者的層面多為感受性,話題大於實質。利率若升到3
~4%時信心面會受打擊,若真要到達斷頭或市場拋售,這個利率數字可能要5%以上才會
真正出現,不過對於自住及多屋投資者,傷害並不相同。
(工商時報)
連結:
http://www.chinatimes.com/newspapers/20170410000232-260208
其他:如果台灣的經濟成長力道能夠恢復到金融海嘯前的水準,
房貸利率拉到2.5%沒問題吧
--
104/12/29 金管會鬆綁銀行不動產貸款比例,釋出1.3兆資金
104/12/31 行政院上調青年安心成家貸款額度至800萬
105/03/24 央行解除信用管制
105/12/16 北市調降豪宅與新屋房屋稅
106/03/03 財政部調高房屋折舊率,調降房屋殘值,調高房屋稅免徵上限。
104/09/24、104/12/17、105/03/24、105/06/30 央行降息半碼
--
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