[情報] 中央銀行: 抑制 房市投機與囤房行為
標題: 中央銀行: 抑制 房市投機與囤房行為
來源: 中央銀行 理監事會議 決議
(公司名、網站名)
網址:
(請善用縮網址工具)
https://www.cbc.gov.tw/tw/cp-459-175345-f4a70-1.html
https://www.cbc.gov.tw/tw/cp-302-175326-8fb7b-1.html
內文:
為進一步強化管理銀行信用資源,抑制房市投機與囤房行為,並引導信用資源優先提供無
自用住宅者購屋貸款,茲修正「中央銀行對金融機構辦理不動產抵押貸款業務規定」,自
本年9月20日起實施。主要修正重點(詳附件1)如下:
1. 新增規範自然人名下有房屋者之第1戶購屋貸款不得有寬限期。
2. 自然人第2戶購屋貸款最高成數由6成降為5成,並擴大實施地區至全國。
3. 公司法人購置住宅貸款、自然人購置高價住宅貸款及第3戶(含)以上
購屋貸款之最高成數由4成降為3成。
4. 餘屋貸款最高成數由4成降為3成。
此外,本行認為搭配調升存款準備率,透過加強貨幣信用之數量管理,以強化本行道
德勸說措施及本次選擇性信用管制措施成效,將有助進一步減緩信用資源流向不動產市場
。新台幣活期性及定期性存款準備率各調升0.25個百分點,自本年10月1日起實施(詳附件
2)。
未來本行仍將持續檢視不動產貸款情形與本行管制措施之執行成效,並密切關注房地
產相關政策對房市的可能影響,適時調整相關措施內容,以促進金融穩定及健全銀行業務
。
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