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在对多处房地产市场进行广泛调研的基础上,就央行加息对房地产企业投资决策和融资渠道、对房地产项目销售和预定还款计划及个人住房融资需求等产生的影响进行了深入分析;还就加息对商业银行房地产金融业务经营可能造成的影响及对策做了详细的阐述。指出本次加息对多数房地产市场和商业银行房地产金融业务的最大的直接影响应该是一种心理冲击。
On the basis of extensive research on a number of real estate markets, the paper analyzes in depth the impact of the central bank raising interest rates on real estate investment decisions and financing channels, the sales of real estate projects and the planned repayment plans and the demand for individual housing financing. The possible impact of raising interest rates on the real estate finance business of commercial banks and countermeasures were elaborated. Pointing out that the immediate impact of this rate hike on the real estate finance business in most real estate markets and commercial banks should be a psychological shock.