房价上涨银行有责吗

• 作 者: 易秋霖
• 机 构: 工商银行金融研究所 博士
• 出 处: 招商周刊
• 发表日期: 2007年05期
• 关键词: 贷款条件 银行贷款 利率低 还款期 降价销售 中国各地 房后 借贷成本 贷款成本 贷款利率

对于中国各地的房价上涨,有许多人认为银行也是原因,理由一是银行给购房人的贷款条件太宽松,由此造成购房需求增加太快;理由二是开发商建房的启动资金多数源自银行贷款,而银行给开发商的贷款条件太宽松(比如还款期长,利率低),则开发商不用急于卖完房后用卖房款还银行贷款,因而不会降价销售。

For the rise in house prices in various parts of China, many people think that banks are the reasons for the first bank loans to buyers too lenient conditions, resulting in increased demand for purchase too fast; reason two is the majority of developers to start building the majority of funds from Bank loans, while the bank loans to developers too loose conditions (such as long repayment period, low interest rates), the developers do not have to hurry to sell the house after the sale of bank loans, and therefore will not sell at lower prices.