《大行報告》瑞銀:人行下調首套房貸利率20個基點 信號大於實際影響
瑞銀發表報告指,人民銀行及中銀保監於昨日(15日)宣布商業銀行可基於貸款市場報價利率(LPR),下調首套房房貸利率20個基點。以目前五年期LPR為4.6%計,意味房貸利率可低至4.4%。
該行認為,人行是次下調首套房房貸利率,在釋放需求方面是信號大於實際影響,因房貸利率於過去數個月已經下降,但內地房地產銷售仍然疲弱,4月首百大發展商的合約銷售按年減少60%。
瑞銀提到,主要局限因素是收入預期及工作保障更為疲弱,加上房地產價格預期疲軟。若需求仍然薄弱,該行認為政策選擇可能是放寬一線城市的購房限制,及放寬二手市場的參考價。
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