The Central Bank of Taiwan announced today (22) that the five major banks (Taiwan Bank, Hekuyin, Tuyin Bank, Huayin and No. 1 Bank) newly undertook lending statistics in March. The home purchase loan was 73.488 billion yuan, an increase of 32.545 billion yuan from the previous month. , the mortgage interest rate was 1.378%, a monthly increase of 0.011 percentage points, a new high since May 2020. The central bank does not hesitate to say that following raising the interest rate by 1 yard in the first quarter, it may be reflected in April that the mortgage interest rate will be adjusted further.
The central bank pointed out that following the first-quarter board of supervisors decided to raise interest rates by 1 yard, most of the five major banks raised their mortgage interest rates in April, and the rate of increase was small in March. Not a full increase.
In March, home purchase loans increased by more than 30 billion yuan compared with February. The central bank explained that it was mainly because there were only 15 working days in February, so some loans were deferred to March. Therefore, the whole batch of household loans increased in March.
On the other hand, the central bank mentioned that due to the high construction costs, the high housing prices will also be reflected in the loan amount.
According to the number of transferred buildings released by the Bureau of Land Affairs in Liudu, the number of transferred buildings in Liudu in the first quarter of this year was 64,900, an annual increase of 4%. In Kaohsiung, the annual growth rate of transfers is over 7%.
However, according to the analysis of real estate brokers, the transfer in the first quarter was a transaction that occurred before the beginning of March, and the interference of factors such as this wave of interest rate hikes has not yet been reflected. The subsequent external variables have gradually increased, including the government’s plan to prohibit pre-sale swaps, long-term interest rates Looking at the upgrade, there may be some challenges in the housing market this year.
