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</SCRIPT> <td><INPUT type="submit" value="查看" class="news_chakan"></td> </form> </tr> </table> </div> </div> </div> <div id="ablui8ik" class="show_line" ></div> </div>  <div id="ablui8ik" class="news_news"> <div id="ablui8ik" class="show_left"> <div id="ablui8ik" class="show_news"> <h1>國(guó)務(wù)院限制二套房貸 “全民炒房”或?qū)⑼藷?/h1> <div id="ablui8ik" class="show_news_info"> <span></span> <span>來(lái)源：新華網(wǎng)</span> <span>時(shí)間：2010-04-22</span> <span>點(diǎn)擊：<script src="/index.php/portal/api/getNumber?id=36831&type=viewnum"></script></span>  <span><a href="#pl">我來(lái)說(shuō)兩句</a></span> </div> <div id="ablui8ik" class="show_news_all" id="frameContent" >  <br /> 中國(guó)銀監(jiān)會(huì)銀行監(jiān)管一部主任楊家才日前表示，第二套住房的認(rèn)定標(biāo)準(zhǔn)，以房屋數(shù)量為限、以家庭（包括借款人、配偶及未成年子女）為單位。這將是對(duì)以貸款記錄認(rèn)定二套房政策的一個(gè)改變。 <p>　　據(jù)了解，此前執(zhí)行的二套房認(rèn)定標(biāo)準(zhǔn)通常是根據(jù)是否利用貸款購(gòu)買住房，且貸款是否已經(jīng)還清來(lái)界定，而醞釀中的二套房貸執(zhí)行的原則卻是“以房為限、以家庭為單位”。業(yè)內(nèi)人士表示，一旦“以房為限”的精神成為正式文件下發(fā)執(zhí)行，中小業(yè)主的房地產(chǎn)投機(jī)將受到嚴(yán)重打擊，“全民炒房”的現(xiàn)象很可能成為歷史。</p> <p>　　北京中原三級(jí)市場(chǎng)研究部研究總監(jiān)張大偉在接受記者采訪時(shí)表示，以房為限的原則，很大程度上使房產(chǎn)回歸了居住的本質(zhì)，房產(chǎn)的投機(jī)性將大大降低。</p> <p>　　“這將徹底扭轉(zhuǎn)目前已經(jīng)開(kāi)始形成的普通工薪階層對(duì)房子的投機(jī)心理，短期內(nèi)將使得房產(chǎn)市場(chǎng)投機(jī)潮銳減。”張大偉說(shuō)。</p> <p>　　以房為限的政策一旦執(zhí)行，對(duì)于有改善性需求的住房擁有者而言，只有出售唯一住房，才可以享受首套房的優(yōu)惠利率。對(duì)于已經(jīng)用全款購(gòu)買過(guò)房產(chǎn)，但還想利用貸款投資另一套住房的小業(yè)主，以后無(wú)法享受首套房的信貸待遇，必須執(zhí)行首付５０％、利率１．１倍的嚴(yán)格政策。這一舉措無(wú)疑將使得市場(chǎng)的房源供應(yīng)大大增加，也抑制了一戶家庭有多套空置住房的現(xiàn)象。</p> <p>　　根據(jù)北京中原三級(jí)市場(chǎng)研究部統(tǒng)計(jì)數(shù)據(jù)顯示，在目前的商品房市場(chǎng)上，第一套房全款購(gòu)房的比例高達(dá)５０％，特別是在２００５年以前購(gòu)房的人群中，８０％以上為全款購(gòu)房，這部分面臨著再置業(yè)或者升級(jí)居住的業(yè)主，一旦選擇出讓手中的房子，將會(huì)給市場(chǎng)帶來(lái)大量的房源。同時(shí)，“以房為限”的原則也限制了這部分客戶消耗目前市場(chǎng)的房源，降低了他們利用金融杠桿進(jìn)行再投資的可能。</p> <p>　　張大偉表示，新原則對(duì)于中小投資者的心理威懾力將會(huì)非常大，首次提及了住房回歸消費(fèi)品本質(zhì)，但是需要注意的是目前住房聯(lián)網(wǎng)制度還不完善，曾經(jīng)使用貸款購(gòu)買的房產(chǎn)可以從銀行征信系統(tǒng)查詢，但是難以確定家庭名下的未貸款房產(chǎn)。“以房為限”的作用究竟有多大還要看政策細(xì)則出臺(tái)后的實(shí)施效果。</p> <p>　　日前國(guó)務(wù)院下發(fā)的《關(guān)于堅(jiān)決遏制部分城市房?jī)r(jià)過(guò)快上漲的通知》明確要求，實(shí)行更嚴(yán)格的差別化住房信貸政策。對(duì)貸款購(gòu)買第二套住房的家庭，貸款首付款比例不得低于５０％，貸款利率不得低于基準(zhǔn)利率的１．１倍；對(duì)貸款購(gòu)買第三套及以上住房的，貸款首付款比例和貸款利率應(yīng)大幅提高，具體由商業(yè)銀行根據(jù)風(fēng)險(xiǎn)管理原則自主確定。二套住房的認(rèn)定標(biāo)準(zhǔn)由住建部會(huì)同人民銀行、銀監(jiān)會(huì)抓緊制定，目前具體細(xì)則還在制定過(guò)程中。（羅宇凡劉詩(shī)平）</p>  </div> <div id="ablui8ik" class="show_news_fx">  <div id="ablui8ik" class="show_share jiathis_style"> <span id="ablui8ik" class="jiathis_txt">分享:</span> <a class="jiathis_button_tools_1"></a> <a class="jiathis_button_tools_2"></a> <a class="jiathis_button_tools_3"></a> <a class="jiathis jiathis_txt jiathis_separator jtico jtico_jiathis" target="_blank">更多</a> </div> <script type="text/javascript" src="http://v3.jiathis.com/code_mini/jia.js?uid=1356576450354725" charset="utf-8"></script>  <div id="ablui8ik" class="list_fenye" id="pages"> </div> </div> </div>  <div id="ablui8ik" class="show_pl"> <div class="ablui8ik" id="commenthtml">  <script>getcomment(36831,0)</script> </div> <script src="/index.php/portal/api/comments?id=36831"></script> </div> <div id="ablui8ik" class="list_ad1"> </div> </div> <div id="ablui8ik" class="news_zxhg" id="c_right"> <div style=" width:230px; 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