《大行》大和:全国性按揭利息补贴实际影响有限 首选润地(01109.HK)中国海外(00688.HK)

阿斯达克财经
Sep 30

大和发表研究报告指,中国将对首套商业房贷买家给予最高5年、每年100个基点的利息补贴。虽然补贴由中央财政支持且属全国性政策,但附加条件大幅收窄实际覆盖范围。该行指出,政策中涉及的150万元人民币总价上限基本排除了一线及核心二线城市的买楼需求,使补贴主要集中于库存过剩最严重的低线城市及郊区。此外,符合条件的买家多数可使用住房公积金贷款,补贴更多是取舍而非明确增益。另外,5年的补贴期限难以持续收窄租金...

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