年初多家银行首套房利率低“88折”

和讯网  2015-01-27 07:43

[摘要] 每年的1—2月都是楼市买卖交易的淡季,而今年跟往年相比却有所不同。在年初各家银行的放贷情况都十分畅通。在央行政策利好不断,各家银行放款放松、首套房利率大面积松动等对楼市成交量的刺激显著。此外,从央行发布宏观调控政策的习惯来看,年初1—2月份到两会之前通常都是政策的“空窗期”,大部分购房人都会抓紧这段时......

随着房贷市场成交量的回暖，年初的信贷环境依然持续宽松态势。从各大银行了解到，北京地区多家银行仍保持着利率下浮优惠，首套房贷款利率低仍为8.8折。在楼市宏观调控政策继续“松绑”的强烈预期下，今年的入市环境和去年相比可谓十分宽松。

年初首套房利率低“八八折”房贷利率无明显变化

从去年年底开始，各家银行均已在房贷利率上做出下调，个别银行针对优质客户已给予低8.8折优惠，这一现象延续到今年年初。大部分银行的首套房贷利率没有出现明显变化，仍然保持着下浮优惠，个别几家银行对优质客户的低优惠利率仍为基准利率的8.8折。年初公积金贷款即出新政，加上去年央行多重政策利好，未来房贷利率仍存在进一步下浮的空间，这将继续激发购房人年初的贷款需求，在楼市宏观调控政策继续“松绑”的强烈预期下，大部分银行利率优惠将对房贷市场的成交量起到极大的提振作用。

RDER-COLLAPSE: collapse;mso-yfti-tbllook: 1184;mso-padding-alt: 0cm 5.4pt 0cm 5.4pt" cellspacing="0" cellpadding="0" width="387" border="0">

RDER-RIGHT: black 1pt solid;PADDING-RIGHT: 5.4pt;BORDER-: windowtext 1pt solid;PADDING-LEFT: 5.4pt;BACKGROUND: yellow;PADDING-BOTTOM: 0cm;BORDER-LEFT: windowtext 1pt solid;WIDTH: 290pt;PADDING-: 0cm;BORDER-BOTTOM: windowtext 1pt solid;HEIGHT: 28.25pt;mso-border-alt: solid windowtext .5pt;mso-border-right-alt: solid black .5pt" width="387" colspan="5"> 京银行二手房首套房贷款利率新执行情况对比表	RDER-RIGHT: #f0f0f0;BORDER-: #f0f0f0;BORDER-LEFT: #f0f0f0;BORDER-BOTTOM: #f0f0f0;HEIGHT: 28.25pt;BACKGROUND-COLOR: transparent" height="38">
RDER-RIGHT: windowtext 1pt solid;PADDING-RIGHT: 5.4pt;BORDER-: #f0f0f0;PADDING-LEFT: 5.4pt;PADDING-BOTTOM: 0cm;BORDER-LEFT: windowtext 1pt solid;WIDTH: 83pt;PADDING-: 0cm;BORDER-BOTTOM: black 1pt solid;HEIGHT: 18.3pt;BACKGROUND-COLOR: transparent;mso-border-right-alt: solid windowtext .5pt;mso-border-left-alt: solid windowtext .5pt;mso-border-bottom-alt: solid black .5pt" width="111" rowspan="2"> 银行	RDER-RIGHT: windowtext 1pt solid;PADDING-RIGHT: 5.4pt;BORDER-: #f0f0f0;PADDING-LEFT: 5.4pt;PADDING-BOTTOM: 0cm;BORDER-LEFT: #f0f0f0;WIDTH: 41pt;PADDING-: 0cm;BORDER-BOTTOM: black 1pt solid;HEIGHT: 18.3pt;BACKGROUND-COLOR: transparent;mso-border-right-alt: solid windowtext .5pt;mso-border-left-alt: solid windowtext .5pt;mso-border-bottom-alt: solid black .5pt" width="55" rowspan="2"> 首套首付	RDER-RIGHT: windowtext 1pt solid;PADDING-RIGHT: 5.4pt;BORDER-: #f0f0f0;PADDING-LEFT: 5.4pt;PADDING-BOTTOM: 0cm;BORDER-LEFT: #f0f0f0;WIDTH: 59pt;PADDING-: 0cm;BORDER-BOTTOM: black 1pt solid;HEIGHT: 18.3pt;BACKGROUND-COLOR: transparent;mso-border-right-alt: solid windowtext .5pt;mso-border-left-alt: solid windowtext .5pt;mso-border-bottom-alt: solid black .5pt" width="79" rowspan="2"> 利率	RDER-RIGHT: windowtext 1pt solid;PADDING-RIGHT: 5.4pt;BORDER-: #f0f0f0;PADDING-LEFT: 5.4pt;PADDING-BOTTOM: 0cm;BORDER-LEFT: #f0f0f0;WIDTH: 46pt;PADDING-: 0cm;BORDER-BOTTOM: black 1pt solid;HEIGHT: 18.3pt;BACKGROUND-COLOR: transparent;mso-border-right-alt: solid windowtext .5pt;mso-border-left-alt: solid windowtext .5pt;mso-border-bottom-alt: solid black .5pt" width="61" rowspan="2"> 二套房首付（名下有1套未结清贷款的住房）	RDER-RIGHT: windowtext 1pt solid;PADDING-RIGHT: 5.4pt;BORDER-: #f0f0f0;PADDING-LEFT: 5.4pt;PADDING-BOTTOM: 0cm;BORDER-LEFT: #f0f0f0;WIDTH: 61pt;PADDING-: 0cm;BORDER-BOTTOM: black 1pt solid;HEIGHT: 18.3pt;BACKGROUND-COLOR: transparent;mso-border-right-alt: solid windowtext .5pt;mso-border-left-alt: solid windowtext .5pt;mso-border-bottom-alt: solid black .5pt" width="81" rowspan="2"> 利率	RDER-RIGHT: #f0f0f0;BORDER-: #f0f0f0;BORDER-LEFT: #f0f0f0;BORDER-BOTTOM: #f0f0f0;HEIGHT: 18.3pt;BACKGROUND-COLOR: transparent" height="24">
RDER-RIGHT: #f0f0f0;BORDER-: #f0f0f0;BORDER-LEFT: #f0f0f0;BORDER-BOTTOM: #f0f0f0;HEIGHT: 67.15pt;BACKGROUND-COLOR: transparent" height="90">
RDER-RIGHT: windowtext 1pt solid;PADDING-RIGHT: 5.4pt;BORDER-: #f0f0f0;PADDING-LEFT: 5.4pt;PADDING-BOTTOM: 0cm;BORDER-LEFT: windowtext 1pt solid;WIDTH: 83pt;PADDING-: 0cm;BORDER-BOTTOM: windowtext 1pt solid;HEIGHT: 18.3pt;BACKGROUND-COLOR: transparent;mso-border-right-alt: solid windowtext .5pt;mso-border-left-alt: solid windowtext .5pt;mso-border-bottom-alt: solid windowtext .5pt" width="111"> 中国银行	RDER-RIGHT: windowtext 1pt solid;PADDING-RIGHT: 5.4pt;BORDER-: #f0f0f0;PADDING-LEFT: 5.4pt;PADDING-BOTTOM: 0cm;BORDER-LEFT: #f0f0f0;WIDTH: 41pt;PADDING-: 0cm;BORDER-BOTTOM: windowtext 1pt solid;HEIGHT: 18.3pt;BACKGROUND-COLOR: transparent;mso-border-right-alt: solid windowtext .5pt;mso-border-bottom-alt: solid windowtext .5pt" width="55"> 30%	RDER-RIGHT: windowtext 1pt solid;PADDING-RIGHT: 5.4pt;BORDER-: #f0f0f0;PADDING-LEFT: 5.4pt;PADDING-BOTTOM: 0cm;BORDER-LEFT: #f0f0f0;WIDTH: 59pt;PADDING-: 0cm;BORDER-BOTTOM: windowtext 1pt solid;HEIGHT: 18.3pt;BACKGROUND-COLOR: transparent;mso-border-right-alt: solid windowtext .5pt;mso-border-bottom-alt: solid windowtext .5pt" width="79"> 八八折	RDER-RIGHT: windowtext 1pt solid;PADDING-RIGHT: 5.4pt;BORDER-: #f0f0f0;PADDING-LEFT: 5.4pt;PADDING-BOTTOM: 0cm;BORDER-LEFT: #f0f0f0;WIDTH: 46pt;PADDING-: 0cm;BORDER-BOTTOM: windowtext 1pt solid;HEIGHT: 18.3pt;BACKGROUND-COLOR: transparent;mso-border-right-alt: solid windowtext .5pt;mso-border-bottom-alt: solid windowtext .5pt" width="61"> 60%	RDER-RIGHT: windowtext 1pt solid;PADDING-RIGHT: 5.4pt;BORDER-: #f0f0f0;PADDING-LEFT: 5.4pt;PADDING-BOTTOM: 0cm;BORDER-LEFT: #f0f0f0;WIDTH: 61pt;PADDING-: 0cm;BORDER-BOTTOM: windowtext 1pt solid;HEIGHT: 18.3pt;BACKGROUND-COLOR: transparent;mso-border-right-alt: solid windowtext .5pt;mso-border-bottom-alt: solid windowtext .5pt" width="81"> 上浮10	RDER-RIGHT: #f0f0f0;BORDER-: #f0f0f0;BORDER-LEFT: #f0f0f0;BORDER-BOTTOM: #f0f0f0;HEIGHT: 18.3pt;BACKGROUND-COLOR: transparent" height="24">
RDER-RIGHT: windowtext 1pt solid;PADDING-RIGHT: 5.4pt;BORDER-: #f0f0f0;PADDING-LEFT: 5.4pt;PADDING-BOTTOM: 0cm;BORDER-LEFT: windowtext 1pt solid;WIDTH: 83pt;PADDING-: 0cm;BORDER-BOTTOM: windowtext 1pt solid;HEIGHT: 18.3pt;BACKGROUND-COLOR: transparent;mso-border-right-alt: solid windowtext .5pt;mso-border-left-alt: solid windowtext .5pt;mso-border-bottom-alt: solid windowtext .5pt" width="111"> 工商银行	RDER-RIGHT: windowtext 1pt solid;PADDING-RIGHT: 5.4pt;BORDER-: #f0f0f0;PADDING-LEFT: 5.4pt;PADDING-BOTTOM: 0cm;BORDER-LEFT: #f0f0f0;WIDTH: 41pt;PADDING-: 0cm;BORDER-BOTTOM: windowtext 1pt solid;HEIGHT: 18.3pt;BACKGROUND-COLOR: transparent;mso-border-right-alt: solid windowtext .5pt;mso-border-bottom-alt: solid windowtext .5pt" width="55"> 30%	RDER-RIGHT: windowtext 1pt solid;PADDING-RIGHT: 5.4pt;BORDER-: #f0f0f0;PADDING-LEFT: 5.4pt;PADDING-BOTTOM: 0cm;BORDER-LEFT: #f0f0f0;WIDTH: 59pt;PADDING-: 0cm;BORDER-BOTTOM: windowtext 1pt solid;HEIGHT: 18.3pt;BACKGROUND-COLOR: transparent;mso-border-right-alt: solid windowtext .5pt;mso-border-bottom-alt: solid windowtext .5pt" width="79"> 九五折	RDER-RIGHT: windowtext 1pt solid;PADDING-RIGHT: 5.4pt;BORDER-: #f0f0f0;PADDING-LEFT: 5.4pt;PADDING-BOTTOM: 0cm;BORDER-LEFT: #f0f0f0;WIDTH: 46pt;PADDING-: 0cm;BORDER-BOTTOM: windowtext 1pt solid;HEIGHT: 18.3pt;BACKGROUND-COLOR: transparent;mso-border-right-alt: solid windowtext .5pt;mso-border-bottom-alt: solid windowtext .5pt" width="61"> 60%	RDER-RIGHT: windowtext 1pt solid;PADDING-RIGHT: 5.4pt;BORDER-: #f0f0f0;PADDING-LEFT: 5.4pt;PADDING-BOTTOM: 0cm;BORDER-LEFT: #f0f0f0;WIDTH: 61pt;PADDING-: 0cm;BORDER-BOTTOM: windowtext 1pt solid;HEIGHT: 18.3pt;BACKGROUND-COLOR: transparent;mso-border-right-alt: solid windowtext .5pt;mso-border-bottom-alt: solid windowtext .5pt" width="81"> 上浮10	RDER-RIGHT: #f0f0f0;BORDER-: #f0f0f0;BORDER-LEFT: #f0f0f0;BORDER-BOTTOM: #f0f0f0;HEIGHT: 18.3pt;BACKGROUND-COLOR: transparent" height="24">
RDER-RIGHT: windowtext 1pt solid;PADDING-RIGHT: 5.4pt;BORDER-: #f0f0f0;PADDING-LEFT: 5.4pt;PADDING-BOTTOM: 0cm;BORDER-LEFT: windowtext 1pt solid;WIDTH: 83pt;PADDING-: 0cm;BORDER-BOTTOM: windowtext 1pt solid;HEIGHT: 18.3pt;BACKGROUND-COLOR: transparent;mso-border-right-alt: solid windowtext .5pt;mso-border-left-alt: solid windowtext .5pt;mso-border-bottom-alt: solid windowtext .5pt" width="111"> 建设银行	RDER-RIGHT: windowtext 1pt solid;PADDING-RIGHT: 5.4pt;BORDER-: #f0f0f0;PADDING-LEFT: 5.4pt;PADDING-BOTTOM: 0cm;BORDER-LEFT: #f0f0f0;WIDTH: 41pt;PADDING-: 0cm;BORDER-BOTTOM: windowtext 1pt solid;HEIGHT: 18.3pt;BACKGROUND-COLOR: transparent;mso-border-right-alt: solid windowtext .5pt;mso-border-bottom-alt: solid windowtext .5pt" width="55"> 30%	RDER-RIGHT: windowtext 1pt solid;PADDING-RIGHT: 5.4pt;BORDER-: #f0f0f0;PADDING-LEFT: 5.4pt;PADDING-BOTTOM: 0cm;BORDER-LEFT: #f0f0f0;WIDTH: 59pt;PADDING-: 0cm;BORDER-BOTTOM: windowtext 1pt solid;HEIGHT: 18.3pt;BACKGROUND-COLOR: transparent;mso-border-right-alt: solid windowtext .5pt;mso-border-bottom-alt: solid windowtext .5pt" width="79"> 九折	RDER-RIGHT: windowtext 1pt solid;PADDING-RIGHT: 5.4pt;BORDER-: #f0f0f0;PADDING-LEFT: 5.4pt;PADDING-BOTTOM: 0cm;BORDER-LEFT: #f0f0f0;WIDTH: 46pt;PADDING-: 0cm;BORDER-BOTTOM: windowtext 1pt solid;HEIGHT: 18.3pt;BACKGROUND-COLOR: transparent;mso-border-right-alt: solid windowtext .5pt;mso-border-bottom-alt: solid windowtext .5pt" width="61"> 60%	RDER-RIGHT: windowtext 1pt solid;PADDING-RIGHT: 5.4pt;BORDER-: #f0f0f0;PADDING-LEFT: 5.4pt;PADDING-BOTTOM: 0cm;BORDER-LEFT: #f0f0f0;WIDTH: 61pt;PADDING-: 0cm;BORDER-BOTTOM: windowtext 1pt solid;HEIGHT: 18.3pt;BACKGROUND-COLOR: transparent;mso-border-right-alt: solid windowtext .5pt;mso-border-bottom-alt: solid windowtext .5pt" width="81"> 上浮10	RDER-RIGHT: #f0f0f0;BORDER-: #f0f0f0;BORDER-LEFT: #f0f0f0;BORDER-BOTTOM: #f0f0f0;HEIGHT: 18.3pt;BACKGROUND-COLOR: transparent" height="24">
RDER-RIGHT: windowtext 1pt solid;PADDING-RIGHT: 5.4pt;BORDER-: #f0f0f0;PADDING-LEFT: 5.4pt;PADDING-BOTTOM: 0cm;BORDER-LEFT: windowtext 1pt solid;WIDTH: 83pt;PADDING-: 0cm;BORDER-BOTTOM: windowtext 1pt solid;HEIGHT: 45.05pt;BACKGROUND-COLOR: transparent;mso-border-right-alt: solid windowtext .5pt;mso-border-left-alt: solid windowtext .5pt;mso-border-bottom-alt: solid windowtext .5pt" width="111"> 农业银行	RDER-RIGHT: windowtext 1pt solid;PADDING-RIGHT: 5.4pt;BORDER-: #f0f0f0;PADDING-LEFT: 5.4pt;PADDING-BOTTOM: 0cm;BORDER-LEFT: #f0f0f0;WIDTH: 41pt;PADDING-: 0cm;BORDER-BOTTOM: windowtext 1pt solid;HEIGHT: 45.05pt;BACKGROUND-COLOR: transparent;mso-border-right-alt: solid windowtext .5pt;mso-border-bottom-alt: solid windowtext .5pt" width="55"> 30%	RDER-RIGHT: windowtext 1pt solid;PADDING-RIGHT: 5.4pt;BORDER-: #f0f0f0;PADDING-LEFT: 5.4pt;PADDING-BOTTOM: 0cm;BORDER-LEFT: #f0f0f0;WIDTH: 59pt;PADDING-: 0cm;BORDER-BOTTOM: windowtext 1pt solid;HEIGHT: 45.05pt;BACKGROUND-COLOR: transparent;mso-border-right-alt: solid windowtext .5pt;mso-border-bottom-alt: solid windowtext .5pt" width="79"> 八八折	RDER-RIGHT: windowtext 1pt solid;PADDING-RIGHT: 5.4pt;BORDER-: #f0f0f0;PADDING-LEFT: 5.4pt;PADDING-BOTTOM: 0cm;BORDER-LEFT: #f0f0f0;WIDTH: 46pt;PADDING-: 0cm;BORDER-BOTTOM: windowtext 1pt solid;HEIGHT: 45.05pt;BACKGROUND-COLOR: transparent;mso-border-right-alt: solid windowtext .5pt;mso-border-bottom-alt: solid windowtext .5pt" width="61"> 60%	RDER-RIGHT: windowtext 1pt solid;PADDING-RIGHT: 5.4pt;BORDER-: #f0f0f0;PADDING-LEFT: 5.4pt;PADDING-BOTTOM: 0cm;BORDER-LEFT: #f0f0f0;WIDTH: 61pt;PADDING-: 0cm;BORDER-BOTTOM: windowtext 1pt solid;HEIGHT: 45.05pt;BACKGROUND-COLOR: transparent;mso-border-right-alt: solid windowtext .5pt;mso-border-bottom-alt: solid windowtext .5pt" width="81"> 上浮10（附加打分表条件）	RDER-RIGHT: #f0f0f0;BORDER-: #f0f0f0;BORDER-LEFT: #f0f0f0;BORDER-BOTTOM: #f0f0f0;HEIGHT: 45.05pt;BACKGROUND-COLOR: transparent" height="60">
RDER-RIGHT: windowtext 1pt solid;PADDING-RIGHT: 5.4pt;BORDER-: #f0f0f0;PADDING-LEFT: 5.4pt;PADDING-BOTTOM: 0cm;BORDER-LEFT: windowtext 1pt solid;WIDTH: 83pt;PADDING-: 0cm;BORDER-BOTTOM: windowtext 1pt solid;HEIGHT: 18.3pt;BACKGROUND-COLOR: transparent;mso-border-right-alt: solid windowtext .5pt;mso-border-left-alt: solid windowtext .5pt;mso-border-bottom-alt: solid windowtext .5pt" width="111"> 交通银行	RDER-RIGHT: windowtext 1pt solid;PADDING-RIGHT: 5.4pt;BORDER-: #f0f0f0;PADDING-LEFT: 5.4pt;PADDING-BOTTOM: 0cm;BORDER-LEFT: #f0f0f0;WIDTH: 41pt;PADDING-: 0cm;BORDER-BOTTOM: windowtext 1pt solid;HEIGHT: 18.3pt;BACKGROUND-COLOR: transparent;mso-border-right-alt: solid windowtext .5pt;mso-border-bottom-alt: solid windowtext .5pt" width="55"> 30%	RDER-RIGHT: windowtext 1pt solid;PADDING-RIGHT: 5.4pt;BORDER-: #f0f0f0;PADDING-LEFT: 5.4pt;PADDING-BOTTOM: 0cm;BORDER-LEFT: #f0f0f0;WIDTH: 59pt;PADDING-: 0cm;BORDER-BOTTOM: windowtext 1pt solid;HEIGHT: 18.3pt;BACKGROUND-COLOR: transparent;mso-border-right-alt: solid windowtext .5pt;mso-border-bottom-alt: solid windowtext .5pt" width="79"> 九折	RDER-RIGHT: windowtext 1pt solid;PADDING-RIGHT: 5.4pt;BORDER-: #f0f0f0;PADDING-LEFT: 5.4pt;PADDING-BOTTOM: 0cm;BORDER-LEFT: #f0f0f0;WIDTH: 46pt;PADDING-: 0cm;BORDER-BOTTOM: windowtext 1pt solid;HEIGHT: 18.3pt;BACKGROUND-COLOR: transparent;mso-border-right-alt: solid windowtext .5pt;mso-border-bottom-alt: solid windowtext .5pt" width="61"> 60%	RDER-RIGHT: windowtext 1pt solid;PADDING-RIGHT: 5.4pt;BORDER-: #f0f0f0;PADDING-LEFT: 5.4pt;PADDING-BOTTOM: 0cm;BORDER-LEFT: #f0f0f0;WIDTH: 61pt;PADDING-: 0cm;BORDER-BOTTOM: windowtext 1pt solid;HEIGHT: 18.3pt;BACKGROUND-COLOR: transparent;mso-border-right-alt: solid windowtext .5pt;mso-border-bottom-alt: solid windowtext .5pt" width="81"> 上浮10	RDER-RIGHT: #f0f0f0;BORDER-: #f0f0f0;BORDER-LEFT: #f0f0f0;BORDER-BOTTOM: #f0f0f0;HEIGHT: 18.3pt;BACKGROUND-COLOR: transparent" height="24">
RDER-RIGHT: windowtext 1pt solid;PADDING-RIGHT: 5.4pt;BORDER-: #f0f0f0;PADDING-LEFT: 5.4pt;PADDING-BOTTOM: 0cm;BORDER-LEFT: windowtext 1pt solid;WIDTH: 83pt;PADDING-: 0cm;BORDER-BOTTOM: windowtext 1pt solid;HEIGHT: 18.3pt;BACKGROUND-COLOR: transparent;mso-border-right-alt: solid windowtext .5pt;mso-border-left-alt: solid windowtext .5pt;mso-border-bottom-alt: solid windowtext .5pt" width="111"> 邮政储蓄	RDER-RIGHT: windowtext 1pt solid;PADDING-RIGHT: 5.4pt;BORDER-: #f0f0f0;PADDING-LEFT: 5.4pt;PADDING-BOTTOM: 0cm;BORDER-LEFT: #f0f0f0;WIDTH: 41pt;PADDING-: 0cm;BORDER-BOTTOM: windowtext 1pt solid;HEIGHT: 18.3pt;BACKGROUND-COLOR: transparent;mso-border-right-alt: solid windowtext .5pt;mso-border-bottom-alt: solid windowtext .5pt" width="55"> 30%	RDER-RIGHT: windowtext 1pt solid;PADDING-RIGHT: 5.4pt;BORDER-: #f0f0f0;PADDING-LEFT: 5.4pt;PADDING-BOTTOM: 0cm;BORDER-LEFT: #f0f0f0;WIDTH: 59pt;PADDING-: 0cm;BORDER-BOTTOM: windowtext 1pt solid;HEIGHT: 18.3pt;BACKGROUND-COLOR: transparent;mso-border-right-alt: solid windowtext .5pt;mso-border-bottom-alt: solid windowtext .5pt" width="79"> 九折	RDER-RIGHT: windowtext 1pt solid;PADDING-RIGHT: 5.4pt;BORDER-: #f0f0f0;PADDING-LEFT: 5.4pt;PADDING-BOTTOM: 0cm;BORDER-LEFT: #f0f0f0;WIDTH: 46pt;PADDING-: 0cm;BORDER-BOTTOM: windowtext 1pt solid;HEIGHT: 18.3pt;BACKGROUND-COLOR: transparent;mso-border-right-alt: solid windowtext .5pt;mso-border-bottom-alt: solid windowtext .5pt" width="61"> 60%	RDER-RIGHT: windowtext 1pt solid;PADDING-RIGHT: 5.4pt;BORDER-: #f0f0f0;PADDING-LEFT: 5.4pt;PADDING-BOTTOM: 0cm;BORDER-LEFT: #f0f0f0;WIDTH: 61pt;PADDING-: 0cm;BORDER-BOTTOM: windowtext 1pt solid;HEIGHT: 18.3pt;BACKGROUND-COLOR: transparent;mso-border-right-alt: solid windowtext .5pt;mso-border-bottom-alt: solid windowtext .5pt" width="81"> 上浮10	RDER-RIGHT: #f0f0f0;BORDER-: #f0f0f0;BORDER-LEFT: #f0f0f0;BORDER-BOTTOM: #f0f0f0;HEIGHT: 18.3pt;BACKGROUND-COLOR: transparent" height="24">
RDER-RIGHT: windowtext 1pt solid;PADDING-RIGHT: 5.4pt;BORDER-: #f0f0f0;PADDING-LEFT: 5.4pt;PADDING-BOTTOM: 0cm;BORDER-LEFT: windowtext 1pt solid;WIDTH: 83pt;PADDING-: 0cm;BORDER-BOTTOM: windowtext 1pt solid;HEIGHT: 18.3pt;BACKGROUND-COLOR: transparent;mso-border-right-alt: solid windowtext .5pt;mso-border-left-alt: solid windowtext .5pt;mso-border-bottom-alt: solid windowtext .5pt" width="111"> 招商银行	RDER-RIGHT: windowtext 1pt solid;PADDING-RIGHT: 5.4pt;BORDER-: #f0f0f0;PADDING-LEFT: 5.4pt;PADDING-BOTTOM: 0cm;BORDER-LEFT: #f0f0f0;WIDTH: 41pt;PADDING-: 0cm;BORDER-BOTTOM: windowtext 1pt solid;HEIGHT: 18.3pt;BACKGROUND-COLOR: transparent;mso-border-right-alt: solid windowtext .5pt;mso-border-bottom-alt: solid windowtext .5pt" width="55"> 30%	RDER-RIGHT: windowtext 1pt solid;PADDING-RIGHT: 5.4pt;BORDER-: #f0f0f0;PADDING-LEFT: 5.4pt;PADDING-BOTTOM: 0cm;BORDER-LEFT: #f0f0f0;WIDTH: 59pt;PADDING-: 0cm;BORDER-BOTTOM: windowtext 1pt solid;HEIGHT: 18.3pt;BACKGROUND-COLOR: transparent;mso-border-right-alt: solid windowtext .5pt;mso-border-bottom-alt: solid windowtext .5pt" width="79"> 九折	RDER-RIGHT: windowtext 1pt solid;PADDING-RIGHT: 5.4pt;BORDER-: #f0f0f0;PADDING-LEFT: 5.4pt;PADDING-BOTTOM: 0cm;BORDER-LEFT: #f0f0f0;WIDTH: 46pt;PADDING-: 0cm;BORDER-BOTTOM: windowtext 1pt solid;HEIGHT: 18.3pt;BACKGROUND-COLOR: transparent;mso-border-right-alt: solid windowtext .5pt;mso-border-bottom-alt: solid windowtext .5pt" width="61"> 60%	RDER-RIGHT: windowtext 1pt solid;PADDING-RIGHT: 5.4pt;BORDER-: #f0f0f0;PADDING-LEFT: 5.4pt;PADDING-BOTTOM: 0cm;BORDER-LEFT: #f0f0f0;WIDTH: 61pt;PADDING-: 0cm;BORDER-BOTTOM: windowtext 1pt solid;HEIGHT: 18.3pt;BACKGROUND-COLOR: transparent;mso-border-right-alt: solid windowtext .5pt;mso-border-bottom-alt: solid windowtext .5pt" width="81"> 上浮10	RDER-RIGHT: #f0f0f0;BORDER-: #f0f0f0;BORDER-LEFT: #f0f0f0;BORDER-BOTTOM: #f0f0f0;HEIGHT: 18.3pt;BACKGROUND-COLOR: transparent" height="24">
RDER-RIGHT: windowtext 1pt solid;PADDING-RIGHT: 5.4pt;BORDER-: #f0f0f0;PADDING-LEFT: 5.4pt;PADDING-BOTTOM: 0cm;BORDER-LEFT: windowtext 1pt solid;WIDTH: 83pt;PADDING-: 0cm;BORDER-BOTTOM: windowtext 1pt solid;HEIGHT: 18.3pt;BACKGROUND-COLOR: transparent;mso-border-right-alt: solid windowtext .5pt;mso-border-left-alt: solid windowtext .5pt;mso-border-bottom-alt: solid windowtext .5pt" width="111"> 北京银行	RDER-RIGHT: windowtext 1pt solid;PADDING-RIGHT: 5.4pt;BORDER-: #f0f0f0;PADDING-LEFT: 5.4pt;PADDING-BOTTOM: 0cm;BORDER-LEFT: #f0f0f0;WIDTH: 41pt;PADDING-: 0cm;BORDER-BOTTOM: windowtext 1pt solid;HEIGHT: 18.3pt;BACKGROUND-COLOR: transparent;mso-border-right-alt: solid windowtext .5pt;mso-border-bottom-alt: solid windowtext .5pt" width="55"> 30%	RDER-RIGHT: windowtext 1pt solid;PADDING-RIGHT: 5.4pt;BORDER-: #f0f0f0;PADDING-LEFT: 5.4pt;PADDING-BOTTOM: 0cm;BORDER-LEFT: #f0f0f0;WIDTH: 59pt;PADDING-: 0cm;BORDER-BOTTOM: windowtext 1pt solid;HEIGHT: 18.3pt;BACKGROUND-COLOR: transparent;mso-border-right-alt: solid windowtext .5pt;mso-border-bottom-alt: solid windowtext .5pt" width="79"> 九折	RDER-RIGHT: windowtext 1pt solid;PADDING-RIGHT: 5.4pt;BORDER-: #f0f0f0;PADDING-LEFT: 5.4pt;PADDING-BOTTOM: 0cm;BORDER-LEFT: #f0f0f0;WIDTH: 46pt;PADDING-: 0cm;BORDER-BOTTOM: windowtext 1pt solid;HEIGHT: 18.3pt;BACKGROUND-COLOR: transparent;mso-border-right-alt: solid windowtext .5pt;mso-border-bottom-alt: solid windowtext .5pt" width="61"> 60%	RDER-RIGHT: windowtext 1pt solid;PADDING-RIGHT: 5.4pt;BORDER-: #f0f0f0;PADDING-LEFT: 5.4pt;PADDING-BOTTOM: 0cm;BORDER-LEFT: #f0f0f0;WIDTH: 61pt;PADDING-: 0cm;BORDER-BOTTOM: windowtext 1pt solid;HEIGHT: 18.3pt;BACKGROUND-COLOR: transparent;mso-border-right-alt: solid windowtext .5pt;mso-border-bottom-alt: solid windowtext .5pt" width="81"> 上浮10	RDER-RIGHT: #f0f0f0;BORDER-: #f0f0f0;BORDER-LEFT: #f0f0f0;BORDER-BOTTOM: #f0f0f0;HEIGHT: 18.3pt;BACKGROUND-COLOR: transparent" height="24">
RDER-RIGHT: windowtext 1pt solid;PADDING-RIGHT: 5.4pt;BORDER-: #f0f0f0;PADDING-LEFT: 5.4pt;PADDING-BOTTOM: 0cm;BORDER-LEFT: windowtext 1pt solid;WIDTH: 83pt;PADDING-: 0cm;BORDER-BOTTOM: windowtext 1pt solid;HEIGHT: 18.3pt;BACKGROUND-COLOR: transparent;mso-border-right-alt: solid windowtext .5pt;mso-border-left-alt: solid windowtext .5pt;mso-border-bottom-alt: solid windowtext .5pt" width="111"> 中信银行	RDER-RIGHT: windowtext 1pt solid;PADDING-RIGHT: 5.4pt;BORDER-: #f0f0f0;PADDING-LEFT: 5.4pt;PADDING-BOTTOM: 0cm;BORDER-LEFT: #f0f0f0;WIDTH: 41pt;PADDING-: 0cm;BORDER-BOTTOM: windowtext 1pt solid;HEIGHT: 18.3pt;BACKGROUND-COLOR: transparent;mso-border-right-alt: solid windowtext .5pt;mso-border-bottom-alt: solid windowtext .5pt" width="55"> 30%	RDER-RIGHT: windowtext 1pt solid;PADDING-RIGHT: 5.4pt;BORDER-: #f0f0f0;PADDING-LEFT: 5.4pt;PADDING-BOTTOM: 0cm;BORDER-LEFT: #f0f0f0;WIDTH: 59pt;PADDING-: 0cm;BORDER-BOTTOM: windowtext 1pt solid;HEIGHT: 18.3pt;BACKGROUND-COLOR: transparent;mso-border-right-alt: solid windowtext .5pt;mso-border-bottom-alt: solid windowtext .5pt" width="79"> 基准	RDER-RIGHT: windowtext 1pt solid;PADDING-RIGHT: 5.4pt;BORDER-: #f0f0f0;PADDING-LEFT: 5.4pt;PADDING-BOTTOM: 0cm;BORDER-LEFT: #f0f0f0;WIDTH: 46pt;PADDING-: 0cm;BORDER-BOTTOM: windowtext 1pt solid;HEIGHT: 18.3pt;BACKGROUND-COLOR: transparent;mso-border-right-alt: solid windowtext .5pt;mso-border-bottom-alt: solid windowtext .5pt" width="61"> 60%	RDER-RIGHT: windowtext 1pt solid;PADDING-RIGHT: 5.4pt;BORDER-: #f0f0f0;PADDING-LEFT: 5.4pt;PADDING-BOTTOM: 0cm;BORDER-LEFT: #f0f0f0;WIDTH: 61pt;PADDING-: 0cm;BORDER-BOTTOM: windowtext 1pt solid;HEIGHT: 18.3pt;BACKGROUND-COLOR: transparent;mso-border-right-alt: solid windowtext .5pt;mso-border-bottom-alt: solid windowtext .5pt" width="81"> 上浮10	RDER-RIGHT: #f0f0f0;BORDER-: #f0f0f0;BORDER-LEFT: #f0f0f0;BORDER-BOTTOM: #f0f0f0;HEIGHT: 18.3pt;BACKGROUND-COLOR: transparent" height="24">
RDER-RIGHT: windowtext 1pt solid;PADDING-RIGHT: 5.4pt;BORDER-: #f0f0f0;PADDING-LEFT: 5.4pt;PADDING-BOTTOM: 0cm;BORDER-LEFT: windowtext 1pt solid;WIDTH: 83pt;PADDING-: 0cm;BORDER-BOTTOM: windowtext 1pt solid;HEIGHT: 18.3pt;BACKGROUND-COLOR: transparent;mso-border-right-alt: solid windowtext .5pt;mso-border-left-alt: solid windowtext .5pt;mso-border-bottom-alt: solid windowtext .5pt" width="111"> 华夏银行	RDER-RIGHT: windowtext 1pt solid;PADDING-RIGHT: 5.4pt;BORDER-: #f0f0f0;PADDING-LEFT: 5.4pt;PADDING-BOTTOM: 0cm;BORDER-LEFT: #f0f0f0;WIDTH: 41pt;PADDING-: 0cm;BORDER-BOTTOM: windowtext 1pt solid;HEIGHT: 18.3pt;BACKGROUND-COLOR: transparent;mso-border-right-alt: solid windowtext .5pt;mso-border-bottom-alt: solid windowtext .5pt" width="55"> 30%	RDER-RIGHT: windowtext 1pt solid;PADDING-RIGHT: 5.4pt;BORDER-: #f0f0f0;PADDING-LEFT: 5.4pt;PADDING-BOTTOM: 0cm;BORDER-LEFT: #f0f0f0;WIDTH: 59pt;PADDING-: 0cm;BORDER-BOTTOM: windowtext 1pt solid;HEIGHT: 18.3pt;BACKGROUND-COLOR: transparent;mso-border-right-alt: solid windowtext .5pt;mso-border-bottom-alt: solid windowtext .5pt" width="79"> 九折	RDER-RIGHT: windowtext 1pt solid;PADDING-RIGHT: 5.4pt;BORDER-: #f0f0f0;PADDING-LEFT: 5.4pt;PADDING-BOTTOM: 0cm;BORDER-LEFT: #f0f0f0;WIDTH: 46pt;PADDING-: 0cm;BORDER-BOTTOM: windowtext 1pt solid;HEIGHT: 18.3pt;BACKGROUND-COLOR: transparent;mso-border-right-alt: solid windowtext .5pt;mso-border-bottom-alt: solid windowtext .5pt" width="61"> 60%	RDER-RIGHT: windowtext 1pt solid;PADDING-RIGHT: 5.4pt;BORDER-: #f0f0f0;PADDING-LEFT: 5.4pt;PADDING-BOTTOM: 0cm;BORDER-LEFT: #f0f0f0;WIDTH: 61pt;PADDING-: 0cm;BORDER-BOTTOM: windowtext 1pt solid;HEIGHT: 18.3pt;BACKGROUND-COLOR: transparent;mso-border-right-alt: solid windowtext .5pt;mso-border-bottom-alt: solid windowtext .5pt" width="81"> 上浮10	RDER-RIGHT: #f0f0f0;BORDER-: #f0f0f0;BORDER-LEFT: #f0f0f0;BORDER-BOTTOM: #f0f0f0;HEIGHT: 18.3pt;BACKGROUND-COLOR: transparent" height="24">
RDER-RIGHT: windowtext 1pt solid;PADDING-RIGHT: 5.4pt;BORDER-: #f0f0f0;PADDING-LEFT: 5.4pt;PADDING-BOTTOM: 0cm;BORDER-LEFT: windowtext 1pt solid;WIDTH: 83pt;PADDING-: 0cm;BORDER-BOTTOM: windowtext 1pt solid;HEIGHT: 18.3pt;BACKGROUND-COLOR: transparent;mso-border-right-alt: solid windowtext .5pt;mso-border-left-alt: solid windowtext .5pt;mso-border-bottom-alt: solid windowtext .5pt" width="111"> 上海浦发银行	RDER-RIGHT: windowtext 1pt solid;PADDING-RIGHT: 5.4pt;BORDER-: #f0f0f0;PADDING-LEFT: 5.4pt;PADDING-BOTTOM: 0cm;BORDER-LEFT: #f0f0f0;WIDTH: 41pt;PADDING-: 0cm;BORDER-BOTTOM: windowtext 1pt solid;HEIGHT: 18.3pt;BACKGROUND-COLOR: transparent;mso-border-right-alt: solid windowtext .5pt;mso-border-bottom-alt: solid windowtext .5pt" width="55"> 30%	RDER-RIGHT: windowtext 1pt solid;PADDING-RIGHT: 5.4pt;BORDER-: #f0f0f0;PADDING-LEFT: 5.4pt;PADDING-BOTTOM: 0cm;BORDER-LEFT: #f0f0f0;WIDTH: 59pt;PADDING-: 0cm;BORDER-BOTTOM: windowtext 1pt solid;HEIGHT: 18.3pt;BACKGROUND-COLOR: transparent;mso-border-right-alt: solid windowtext .5pt;mso-border-bottom-alt: solid windowtext .5pt" width="79"> 九折	RDER-RIGHT: windowtext 1pt solid;PADDING-RIGHT: 5.4pt;BORDER-: #f0f0f0;PADDING-LEFT: 5.4pt;PADDING-BOTTOM: 0cm;BORDER-LEFT: #f0f0f0;WIDTH: 46pt;PADDING-: 0cm;BORDER-BOTTOM: windowtext 1pt solid;HEIGHT: 18.3pt;BACKGROUND-COLOR: transparent;mso-border-right-alt: solid windowtext .5pt;mso-border-bottom-alt: solid windowtext .5pt" width="61"> 60%	RDER-RIGHT: windowtext 1pt solid;PADDING-RIGHT: 5.4pt;BORDER-: #f0f0f0;PADDING-LEFT: 5.4pt;PADDING-BOTTOM: 0cm;BORDER-LEFT: #f0f0f0;WIDTH: 61pt;PADDING-: 0cm;BORDER-BOTTOM: windowtext 1pt solid;HEIGHT: 18.3pt;BACKGROUND-COLOR: transparent;mso-border-right-alt: solid windowtext .5pt;mso-border-bottom-alt: solid windowtext .5pt" width="81"> 上浮10	RDER-RIGHT: #f0f0f0;BORDER-: #f0f0f0;BORDER-LEFT: #f0f0f0;BORDER-BOTTOM: #f0f0f0;HEIGHT: 18.3pt;BACKGROUND-COLOR: transparent" height="24">
RDER-RIGHT: windowtext 1pt solid;PADDING-RIGHT: 5.4pt;BORDER-: #f0f0f0;PADDING-LEFT: 5.4pt;PADDING-BOTTOM: 0cm;BORDER-LEFT: windowtext 1pt solid;WIDTH: 83pt;PADDING-: 0cm;BORDER-BOTTOM: windowtext 1pt solid;HEIGHT: 18.3pt;BACKGROUND-COLOR: transparent;mso-border-right-alt: solid windowtext .5pt;mso-border-left-alt: solid windowtext .5pt;mso-border-bottom-alt: solid windowtext .5pt" width="111"> 汇丰银行	RDER-RIGHT: windowtext 1pt solid;PADDING-RIGHT: 5.4pt;BORDER-: #f0f0f0;PADDING-LEFT: 5.4pt;PADDING-BOTTOM: 0cm;BORDER-LEFT: #f0f0f0;WIDTH: 41pt;PADDING-: 0cm;BORDER-BOTTOM: windowtext 1pt solid;HEIGHT: 18.3pt;BACKGROUND-COLOR: transparent;mso-border-right-alt: solid windowtext .5pt;mso-border-bottom-alt: solid windowtext .5pt" width="55"> 30%	RDER-RIGHT: windowtext 1pt solid;PADDING-RIGHT: 5.4pt;BORDER-: #f0f0f0;PADDING-LEFT: 5.4pt;PADDING-BOTTOM: 0cm;BORDER-LEFT: #f0f0f0;WIDTH: 59pt;PADDING-: 0cm;BORDER-BOTTOM: windowtext 1pt solid;HEIGHT: 18.3pt;BACKGROUND-COLOR: transparent;mso-border-right-alt: solid windowtext .5pt;mso-border-bottom-alt: solid windowtext .5pt" width="79"> 八八折	RDER-RIGHT: windowtext 1pt solid;PADDING-RIGHT: 5.4pt;BORDER-: #f0f0f0;PADDING-LEFT: 5.4pt;PADDING-BOTTOM: 0cm;BORDER-LEFT: #f0f0f0;WIDTH: 46pt;PADDING-: 0cm;BORDER-BOTTOM: windowtext 1pt solid;HEIGHT: 18.3pt;BACKGROUND-COLOR: transparent;mso-border-right-alt: solid windowtext .5pt;mso-border-bottom-alt: solid windowtext .5pt" width="61"> 60%	RDER-RIGHT: windowtext 1pt solid;PADDING-RIGHT: 5.4pt;BORDER-: #f0f0f0;PADDING-LEFT: 5.4pt;PADDING-BOTTOM: 0cm;BORDER-LEFT: #f0f0f0;WIDTH: 61pt;PADDING-: 0cm;BORDER-BOTTOM: windowtext 1pt solid;HEIGHT: 18.3pt;BACKGROUND-COLOR: transparent;mso-border-right-alt: solid windowtext .5pt;mso-border-bottom-alt: solid windowtext .5pt" width="81"> 上浮10	RDER-RIGHT: #f0f0f0;BORDER-: #f0f0f0;BORDER-LEFT: #f0f0f0;BORDER-BOTTOM: #f0f0f0;HEIGHT: 18.3pt;BACKGROUND-COLOR: transparent" height="24">
RDER-RIGHT: black 1pt solid;PADDING-RIGHT: 5.4pt;BORDER-: #f0f0f0;PADDING-LEFT: 5.4pt;BACKGROUND: red;PADDING-BOTTOM: 0cm;BORDER-LEFT: windowtext 1pt solid;WIDTH: 290pt;PADDING-: 0cm;BORDER-BOTTOM: windowtext 1pt solid;HEIGHT: 14.5pt;mso-border-alt: solid windowtext .5pt;mso-border-right-alt: solid black .5pt;mso-border-top-alt: solid windowtext .5pt" valign="bottom" nowrap="nowrap" width="387" colspan="5"> 此表格由“伟嘉安捷”提供	RDER-RIGHT: #f0f0f0;BORDER-: #f0f0f0;BORDER-LEFT: #f0f0f0;BORDER-BOTTOM: #f0f0f0;HEIGHT: 14.5pt;BACKGROUND-COLOR: transparent" height="19">

银行年初批贷放款快 各银行均可正常申请

从批贷放款来看，1月各家银行对去年年底申请贷款但未来得及批贷或放款的单子已开始陆续操作。对于年初1月份申请贷款的新借款人来说，也仍然可以正常办理贷款业务，在借款人资料齐全、个人资质尚好的情况下，一般银行见批贷和放款的周期在5—10个工作日左右，不过“伟嘉安捷”建议借款人还是提前申请，在年初银行放贷额较为充足的情况下提早占位。

年初信贷环境良好 未来房贷市场仍将持续回暖

每年的1—2月都是楼市买卖交易的淡季，而今年跟往年相比却有所不同。在年初各家银行的放贷情况都十分畅通。在央行政策利好不断，各家银行放款放松、首套房利率大面积松动等对楼市成交量的刺激显著。此外，从央行发布宏观调控政策的习惯来看，年初1—2月份到两会之前通常都是政策的“空窗期”，大部分购房人都会抓紧这段时间积极入市，政策的利好加上银行放贷的“松口”都将更有益于购房人贷款买房。因此“伟嘉安捷”预计春节前的房贷市场仍然将呈现稳定回暖态势。