财政部会同人民银行、金融监管总局印发通知,自10月1日起在全国实施居民购房贷款贴息政策,对首套房贷款提供财政贴息,多家银行已落地首笔业务,政策旨在减轻首套房家庭利息负担并激活楼市需求。
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财政部会同人民银行、金融监管总局印发通知,明确自10月1日起在全国范围内实施居民购房贷款贴息政策,以减轻首套房家庭贷款利息负担。
9月29日,财政部会同中国人民银行、金融监管总局印发《关于实施居民购房贷款贴息政策的通知》(以下简称《通知》),明确自今年10月1日起在全国范围内实施居民购房贷款贴息政策,减轻新购买首套住房家庭的商业性个人住房贷款利息负担。
“房贷贴息政策可减轻刚需购房者的资金压力,加速已有购房计划人群入场。”陕西巨丰投资资讯有限责任公司高级投资顾问杨昌龙在接受《证券日报》记者采访时表示。
截至10月7日,政策落地已满一周。记者注意到,政策出台后,各方积极行动,多地已陆续落地了首笔房贷贴息贷款。
9月30日,工商银行、农业银行等六大行分别发布公告,积极推进居民购房贷款贴息政策落实。多家银行表示,将采取“免申即享”办理方式,优化办理流程,简化办理手续,推动政策尽快实施。
首笔业务落地的消息也不断传来。10月1日,建行天津市分行成功发放一笔贴息住房贷款,这是该行落实居民购房贷款贴息政策的首笔业务。
工商银行黑龙江分行微信公众号10月3日发布消息称,政策实施首日,七台河分行成功落地首笔贴息个人二手住房贷款,七台河市的李女士成为工商银行黑龙江分行该项政策的首位受益客户。李女士购置首套二手房,申请贷款15万元,贷款期限10年,可享受年化1%财政贴息,贴息期限最长5年。业务办理全程顺畅高效,经测算,5年可累计节省利息约5800元,有效减轻了工薪家庭的还款负担。
再如,工商银行海南省分行微信公众号10月5日发布消息称,当日上午,工行海南省分行成功投放首笔房贷贴息贷款,这是居民购房贷款贴息政策实施以来海南落地的“第一笔”。
“此次贴息政策对支持对象有明确要求,主要面向首套房,且所购住房建筑面积不超过120平方米、所购住房价格不超过150万元,这一条件设定清晰表明政策对刚性购房需求或首套房需求给予较大支持。”上海易居房地产研究院副院长严跃进对《证券日报》记者分析,其逻辑在于,当前楼市循环中,如果刚性需求没有激活,会影响到后续置换需求和改善需求。这一支持对象的设计有助于打通楼市循环的起点环节,避免因刚需缺位而导致整个住房消费链条受阻。
“当前市场行情正积极提振,房价趋稳,购房者入场节奏明显加快。好房子、好产品、好项目的陆续推出,叠加房贷贴息政策以及此前已有的降首付、降利率、公积金支持等措施,和近期‘金九银十’楼市营销工作,都对活跃房屋买卖、促进住房消费等产生积极作用。”严跃进表示。
本报记者 韩昱
AI outlook — possibilities, not facts
政策实施后,首套房贷款规模将在未来一个月内出现明显增长
Likely · Within weeks
楼市成交量将在‘金九银十’期间得到政策叠加效应的提振
Possible · Within weeks

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