楼市接力迎利好 刚需出手或加快

Just need to meet market relay good shots or speed up

　　值得注意的是，此次降息前夕中央媒体频频发声引导楼市舆论

Note the，On the eve of the 50 state media voice public opinion guide frequently property market

　　■本报记者 李木子

S LiMuZi our reporter

　　刚刚办好房贷的购房者一定有些懊恼，不到一个月，央行再一次宣布下调存贷款基准利率。以贷款100万20年等额本息还款方式计算，降息后，首套房基准利率月供减少148元，85折贷款月供减少121元。个人住房公积金存贷款利率随之作出相应调整，按照惯例，住建部今日将公布调整后的住房公积金存贷款利率。

Just do good mortgage buyers there must be frustrated，Less than a month，The central bank announced again cut the benchmark interest rates。To loan 1 million 20 years reimbursement way of calculating，After cut interest rates，The first suites on the benchmark interest rate for a decrease of 148 yuan，85 discount on loan for a decrease of 121 yuan。Personal housing accumulation fund loan rate then make some adjustment，According to the usual practice，Live JianBu today will be released after the adjustment housing accumulation fund loan rate。

　　3月份开始回暖的楼市促成了“红五月”，而6月份开启的降息使得购房者持币观望的比例开始下降，在传统的淡季上演了“火六月”。

March in the housing market began to return to“Red may”，And in June the rate cut open the currency leaving purchasers wait-and-see proportion began to fall，In the traditional off-season staged“Fire June”。

　　6月中旬，多部委密集表态楼市调控不放松，恐慌性购房心理得到安慰，但货币政策宽松的信号还是加快了人们出手的速度。以北京为例，北京多家房地产机构数据显示，6月份北京新建住宅签约套数为11983套，创造年内成交量最高值。

The middle of June，Many ministries statement property market regulation not relax dense，Panic psychological comfort that buy a house，But monetary policy loose signal or accelerated the speed of people shot。For example Beijing，Beijing several real estate organization figures show，Beijing new residence signed in June of 11983 units a cycle，Create years high volume。

　　7月初，中央媒体开始发声房地产调控。4日，人民日报刊发《楼市调控不能放松》，5日，新华社发文《巩固房地产调控成果要强化问责机制》。两篇文章从不同的角度剖析了房地产市场的现状，并强调房地产调控继续的必要性。

In early July，The central media began to sound real estate regulation。4 days，People's Daily newspaper published《Property market regulation can't relax》，5 days，The xinhua news agency dispatch《Consolidate control results to strengthen property accountability mechanism》。Two articles from different angles analyzes the present situation of the real estate market，And emphasizes the necessity of real estate regulation continue。

　　党报连续坚定房地产调控的基调，以消除公众对政策微调的误读。现在未足一月，央行再次降息，难免使楼市成交呈现“井喷”。上海易居房地产研究院副院长杨红旭之言，“货币政策对购房者的影响力在某种程度上将大过限购”。

The party of real estate firm regulation of continuous tone，In order to eliminate the public policy to fine-tune the misread。Now not yet satisfied January，The central bank cut interest rates again，Hard to avoid make the market presents clinch a deal“blowout”。Shanghai enjoysmart real estate, vice President of the institute YangGongXu of speech，“Monetary policy on the influence of the person that buy a house in some degree will be greater than 限购”。

　　链家地产市场研究部陈雪认为，对于基准利率贷款为主的二三线城市来讲，降息的累加利好正在逐渐加深。但整体来看，此次降息对于不同城市楼市的差异化影响也更加突出。

House property market research ChenXue chain that，The benchmark interest rate for loans as three lines for the city，The rate cut is gradually accumulate the positive。But the whole，Fed for different cities the difference of the property market influence also become more prominent。

　　贷款利率幅度调整大于存款利率调整，银行收益空间将进一步缩窄。本次下调利率达到0.31个百分点，几乎等同于在当前6.8%的贷款利率的基础上打了95折。在当前市场回暖，银行贷款额度快速释放的时期，银行继续保持打折意愿将进一步降低。由此可以推断，若未来1-2个月内经济政策依旧保持降息不降准的趋势，北京等城市现存的房贷85折优惠恐将逐渐消失。

Loan interest rate adjustment range than deposit interest rate adjustment，Bank earnings space will further erode。This cut interest rates to 0.31%，Almost equal to 6.8% of the loans in the current interest rate on the basis of the 95 fold。In the current market buoyancy，Bank loans fast release period，Banks continue to keep the discount that will further reduce。It can be concluded that，If the future 1-2 months economic policy still keep upon the trend of must cut interest rates，Beijing and other cities of the existing mortgage is 85 off discount fears will gradually disappear。

　　记者在此前的走访中发现，中行已经将首套房贷利率优惠从85折调整至9折，仅有个别资金十分优秀的客户可以享受85折优惠。中行收窄利率优惠并非个案，工行早在今年5月份就已经将优惠幅度回调至9折，招商银行(600036,股吧)则很难享受利率优惠。

The reporter found in the previous visit，Bank of China has the first set of mortgage rates from 85 fold adjusted to offer discount，Only specific fund is very good customers can enjoy discount on 85。Bank of China narrow favorable interest rate is not the case，Earlier this year in icbc may have will be the discount rate callback to discount of，China merchants bank(600036,Shares it)It is hard to enjoy preferential interest rate。