[新聞] 央行打房最嚴信用管制明生效 賴正鎰:難道要把房地產業打趴在地
1.媒體來源:
鉅亨網
2.記者署名:
記者張欽發
3.完整新聞標題:
央行打房最嚴信用管制明生效 賴正鎰:難道要把房地產業打趴在地
4.完整新聞內文:
針對央行祭出對住宅市場史上最嚴格信用管制,召開理監事會議決定祭出第七波信用管制
,大幅縮減貸款成數並將實施地區擴及全台,商總榮譽理事長、鄉林 (5531-TW) 集團董
事長賴正鎰認為,央行一向走自己的路,不會馬上跟進美國降息,但萬萬沒想到在上個月
的限貸令後,今天修正不動產抵押貸款業務規定,「真的是打太大力了,難道要把房地產
業打趴在地?」
賴正鎰強調,最近各家銀行都自主根據銀行法 72-2 條搬出限貸令,提高貸款難度,央行
其實不用再這麼用力打房,如果因為這樣衍生爆量的違約,也可能會引發金融風波,相信
這也是央行跟政府都不樂於見到的,打房讓房地產熄火,屆時還要花力氣救房市,恐怕付
出的代價更高,希望央行能三思。
台灣央行決定祭出第七波信用管制措施,明天生效,賴正鎰指出,這樣做會讓銀行金融業
跟開發商建商無所適從,必定會產生很多合約糾紛,建議央行應該要訂出日出條款,讓已
簽約的客戶不溯及既往。
賴正鎰指出,買第一戶房屋貸款不得有寬限期,難道銀行要臨時跟貸款戶改借貸合約嗎?
至於自然人第二戶購屋貸款最高成數,已經從六都的七成,變成了七都僅剩六成,現在又
要降為五成,且全台適用,他已經聽到換屋族正在哀號,已經簽約要買新房準備換屋的人
,是要怎麼辦?若拿不出更多的現金自備款,難道要叫他們去跟建商解約?違約金誰要出
?
賴正鎰指出,至於公司法人購置高價住宅貸款及第三戶購屋貸款,以及建商餘屋貸款的最
高成數從四成降為三成,小型建商將會無法生存,恐怕短期內周轉不過來的公司,恐怕面
臨倒閉危機。
賴正鎰指出,有高成數貸款的建商在購置土地上也會縮手,甚至停止購入土地,現在就是
地主都漫天要價,開高價讓建商搶購,政府這樣大力打房下,他預估地價將緩和,回到正
常價格。像台中市今天標售 13 期土地,結果標脫率僅有 23%,就是外界預期央行今天會
有所打房政策,所以都相當保守。
5.完整新聞連結 (或短網址)不可用YAHOO、LINE、MSN等轉載媒體:
https://news.cnyes.com/news/id/5720545
6.備註:
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