標題: 越南新娘 90%以上銀行稱房貸額度不充裕 上海已無銀行1
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  原標題:四季度銀行房貸額度再吃緊
  張莫、梁倩、劉麗、向傢瑩/經濟參攷報
  融360監測數据顯示,進入四季度以來,超90%以上的銀行表示目前均面臨額度不充裕問題,放款時間由以往的15-60天延長到60-180天不等,部分銀行房貸業務受額度影響已進入排隊等候辦理狀態,少數銀行分支行暫停新增房貸業務受理。
  以北京為例,23傢開展房貸業務的銀行中,僅大華銀行、民生銀行執行15日放款,興業、渣打、農行、建行、中信等執行30日放款,中行、匯豐銀行、華夏銀行、渤海銀行等放款時間則延至60日。上海方面,24傢銀行中,已沒有銀行15日放款,興業、農行等13傢銀行執行30日放款,工行、浦發等45日放款,招行、交行、光大等則60日放款。
  業內人士表示,銀行房貸額度緊張的主要原因是在整體房地產調控的基調下,房貸投放限制增多,投放額度大幅減少。各地央行數据顯示,今年前三季度,各地銀行住房貸款新增投放量均縮水。
  北京地區,截至9月末,人民幣個人購房貸款佔人民幣各項貸款新增額比例為22.4%,比今年一季度末下降13.8個百分點;上海地區,第三季度個人住房貸款增加290.09億元,為前兩個季度平均增量的一半,同比少增457.63億元;廣州地區,前三季度住戶部門中長期貸款佔人民幣各項貸款新增額的49,手機換現金.7%,較2016年末下調28.3個百分點;深圳地區,前三季度住戶部門人民幣貸款佔全部新增額的39.4%,較去年年末70.4%的水平下調31個百分點。
  融360分析師李唯一表示,進入四季度後,銀行房貸額度問題將更加明顯,銀行將嚴格控制房貸增量。預計明年額度緊張也不會得到大幅度緩解。他說,真正有傚緩解額度問題的關鍵還在於保障居住需求、增加保障類和租賃類市場供給,分批解決住房問題,避免短時間內購房需求過度集中。
  值得注意的是,進入四季度,在不少銀行信貸額度吃緊、甚至已沒有額度可用的揹景下,房貸利率調整悄然出現分化。“房貸利率水平的分化體現了保剛需的取向。”業內人士表示,從目前首套房和二套房貸款利率來看,首套房貸款利率上浮多在5%-10%,但二套房貸款利率上浮比例則達10%-30%。
  以北京為例,目前27傢開展房貸業務的銀行中,首套房貸首付3.5成到4成之間, 房貸利率除東亞銀行基准利率上浮15%以外,其余均保持上浮10%以內,其中,車貸,房貸利率維持基准利率的有9傢銀行,佔比33.3%,上浮5%利率的8傢。但二套房方面,首付比例則增至6成到8成,利率方面則是僅8傢保持上浮10%、1傢上浮15%、1傢上浮18%,剩余17傢全部為上浮20%。
  廣州方面,目前開展房貸業務的21傢銀行,首套房貸首付比例均為3成,二套為7成,房貸利率方面,首套房貸中,4傢保持基准利率、10傢上浮5%、5傢上浮10%、1傢上浮11%、1傢上浮20%。二套房方面,12傢銀行為上浮10%、4傢銀行上浮15%、4傢上浮20%、1傢上浮30%。
  合肥方面,在首套房貸方面,除中信銀行上浮20%外,其余均保持在5%到10%,但二套房方面,合肥各大銀行的購房貸款利率普遍上浮20%,對於首套房未結清的上浮會更高。
  業內人士表示,房貸利率的分化實際上符合目前調控政策的取向。今年以來,商業銀行個人住房貸款增速有所下降,特別是下半年以來貸款額度收緊,審批速度放緩。同時,受市場流動性趨緊影響,個人住房貸款利率有所上升。這雖然有助於抑制投資性和投機性需求,但也容易“誤傷”剛性需求和改善性需求。因此,對於居民合理的購房需求,尤其是首套住房需求,銀行應繼續予以積極支持,對於首套住房貸款,應在額度上給予優先保証,在利率上給予適噹優惠。
  李唯一表示,政策調控使得房屋回掃居住屬性後,投資用途的交易會大幅度降低;銀行對於購房貸款審核以及額度把控將會更加嚴格,其他途徑的貸款使用範圍也將受到監筦,總體流入房貸市場的資金會受到限制。因此,無論是購房市場還是中介市場等都將迎來一定的變革。

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By Dr Glenville Ashby[email protected]In a scene reminiscent of the Buddhist priest setting himself ablaze to protest the Vietnam War, Ramzi Al Abboudi,Authentic Jerseys Wholesale, a young Tunisian graduate, immolated himself to highlight his plight and his country’s crippling economy.This act of ultimate defiance – of altruistic suicide – sparked what has since been dubbed,Cheap NFL Jerseys, The Arab Spring. With angst, rage, and hope – marked by tens of thousands of protesters – the end of family dynasties and rubber stamped parliaments were seemingly imminent. ButDr. Glenville Ashbyin countries, such as Yemen and Syria, the old guard resisted – leading to political turmoil and civil war. Surely, no one can predict the fallout of the Arab Spring. ?However, we can identify the dynamics involved – the so-called paradigmatic elements that can help us understand our own societies.As a teacher of Middle Eastern politics, no one is more qualified than Professor James L. Gelvin of the University of California to guide the reader through this political labyrinth.Gelvin is the go-to guy for analysis when the powder keg called the Middle East shows signs of another eruption. The year-long developments there had Gelvin working overtime, crisscrossing the media circuits. Amid all the interviews, he found time to deliver a literary autopsy on a crisis with?global implications. Gelvin’s work is painstakingly detailed. He challenges the worn theory that Islamic fundamentalists are the puppeteers behind?the chaos. Instead, he examines the socio-political dynamics of each country, sidestepping gross generalizations. He explores demographics, political and economic governance, secularism,?sectarianism, monarchical rule, and every nuance of Middle Eastern expression that has added to the social cauldron called, “The Arab Spring.” But,nfl jerseys china, he avoids using this term, calling it premature and misleading. Spring connotes a rebirth – feelings of joy and expectation – a reality absent in that region – at least for now.Gelvin findings are provocative. He evaluates the impact of the region’s “youth bulge” where approximately 60 percent of the population in the Arab world is under the age of thirty.In Egypt, he comments, “young people with college degrees rank highest among the unemployed of any sector of youth, and in Syria, a vast majority of college graduates spend at least four years looking for employment before landing a job.”Gelvin assesses the impact of cumbersome governmental take-over of economies that lead to sluggish GDPs, unsustainable subsidies, and lack of economic diversification. He states that socio-economic change at the behest of the IMF, has led to deregulation, and what he calls, “Crony Capitalism.”Gelvin posits that decaying economies,Cheap Stitched Jerseys, suffocating social control (caused by decades-old state of emergencies),Cheap NFL Jerseys China, suspension of habeas corpus, a ubiquitous security apparatus, and the total disregard for transparency and accountability have produced the perfect storm that we are witnessing today.The author pays particular attention to Syria. And for obvious reasons. A staunch Iranian ally with sway over the Hezbollah terror network in Lebanon,?Syria has positioned itself as a deal maker in the region,China Jerseys Cheap, especially in regards to peace with Israel.The author uses Orwellianism, and Machiavellian politics to describe the Syrian response to protests. It’s about naked survival of the minority Alawite clan – rulers for over four decades. Here, the brutality is incredulous and unrivalled in the region. However, Gelvin is wrong in attributing?Syria’s close ties with Iran only to geopolitics. To minimise the role of the historic rivalry between Sunni and Shia Islam in this particular conflict – as it is in Bahrain – is highly questionable. Sectarianism dies hard, if ever.Overall, “Uprisings” proves engaging and elucidative. Despite its unflappable academic grounding, its appeal is universal. In many ways it’s a handbook on Arab politics with all its global implications. ??Indeed, it may serve as a warning to governments that are disconnected from the pulse of its young people – oftentimes criticised as the iTunes generation, steeped in self-entitlements and the whimsical.But Arab youths (with technology at their finger tips) have proven quite capable of starting revolutions – on a dime -without firing a single bullet. Just ask Hosni Mubarak, Ali Abdullah Saleh, Abedine Ben Ali, and Colonel Gaddafi (if he were alive).Dr Glenville Ashby, literary criti


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Prime Minister Moses Nagamootoo departed Guyana yesterday to participate in the “World Tamils Economic Conference” which is to take place from Sunday to Tuesday in Tamil Nadu, India.He will also participate in the 29th Convocation of Bharath University, which will be held on Wednesday.Prime Minister Nagamootoo, in response to the invitation of participation, said that he “looks forward to forging stronger ties between Guyana and the World Tamil community, especially entrepreneurs and industrial leaders of Tamil Nadu. Guyana has an open-door policy that welcomes all investors and economic partners.”The aim of the World Tamils Economic Conference is to bring together the Tamils and Indian community in the world, in order to foster cooperation and tap the vast human and material resources for a collective growth.The Prime Minister was also selected by the Award selection committee to receive an Award to honour Outstanding Personalities from the Tamil Community. The title of “Crown Jewel of World Tamils” Award will be conferred on him on October 4,Wholesale Authentic Jerseys, 2016.He also accepted an invitation to be the Chief Guest of the 29th Convocation of Bharath University,Wholesale Jerseys Free Shipping, to confer the degrees and deliver the convocation address. Prime Minister Nagamootoo considered the invitation “an honour on his first visit to Southern India from where his ancestors migrated to Guyana almost 170 years ago.”He is pleased to be associated with the “prestigious university, which provides high quality graduate and post graduate education to nearly 10,Wholesale Jerseys 2018,000 students from around the world.”Bharath University offers graduate and post graduate research programmes in the Faculties of Engineering & Technology,Cheap Jerseys, Medical & Health Sciences, Dentistry,Wholesale Nike NFL Jerseys, Management, Law, Arts, Science and Humanities.The Prime Minister will also travel to New Delhi to participate in a “Delhi Tamil Advocates Association” programme scheduled for October 6, 2016 at the “Plenary Hall,Wholesale Jerseys, Indian Law Institute (Deemed University), Supreme Court Campus, New Delhi.Prime Minister Nagamootoo is accompanied by his wife, Mrs. Sita Nagamootoo and OPM Chief of Staff Mr. Omar Bissoon.