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央行于2004年10月29日升息后,各家银行的按揭贷款经历了一个提前还贷的高潮,而房价却延续了一路上涨的态势,带给未来楼市更多不确定性。银行专家提醒,单凭房租来还贷款的投资方式要慎行。和房价上涨不同的是,租赁市场的总体租金浮动幅度并不大。除了中心城区租赁市场比较平稳以外,外围城区租金还有小幅下调。月租金1500元以下的小房型仍然被市场看好,租售情况较好;而月租金2000元～4000元的中价位房和月租金5000元以上的高价房基本维持了原先的“冷租”局面。对贷款购房者而言,在当前这个时期投资房产需要慎重考虑。一方面,贷款的利息涨了,买房所带来的债务会增加。未来
After the central bank raised interest rates on October 29, 2004, the mortgage loans of various banks experienced an upsurge of repaying loans in advance. However, housing prices continued their upward trend and brought more uncertainty to the future property market. Bank experts remind that rent alone to repay loans should be cautious investment. And the difference is that house prices, the overall leasing market volatility is not large. In addition to the relatively stable rental market in the central city, there was a slight decrease in rents in the outlying urban areas. The monthly rent of 1,500 yuan following the small room is still optimistic about the market, rental sales better; and monthly rent of 2,000 yuan to 4,000 yuan in the price of housing and monthly rent of 5,000 yuan or more high-priced room basically maintained the original “cold rent” situation . For homebuyers, investing in real estate during this period needs careful consideration. On the one hand, the interest on a loan goes up and the debt that comes with buying it increases. future