2023-06-26 03:54:10
According to data from the Joint Collection Center in the first quarter of this year, banks are still relatively strict on small suite loans, especially for suite products other than Shuangbei, where the interest rate is at most 0.7% higher than that of building products, reflecting that banks still regard suite products as relatively risky Higher products, especially the average housing loan in Tainan City up to 2.75% and 2.71% in Taichung City, the relative cost of investing in a small apartment will increase, which will affect the return on investment.
Banks believe that the risk of small suites is high, and the mortgage interest rates in Tainan and Taichung both exceed 2.7%.Suite diagram/provided by Fang Zhongye
However, although the average housing loan ratio of suites in Shuangbei City is 67.7%~70%, the mortgage interest rate is significantly lower than that of other metropolitan areas.
Zeng Jingde, the project manager of Xinyi Real Estate Enterprise Research Office, said that except for the suite products around the Shuangbei City MRT station, banks are relatively cautious about the suite product loans. Higher products, and more people who invest in suites already have mortgages under their name, so the loan conditions of suite products are not only lower than that of building products, but also the loan interest rate will be higher.
According to the housing loan data of the Joint Levy Center in the first quarter of this year, Taipei City has the largest number of housing product loans, with a sample size of 215. Compared with other regional markets, the demand for housing transactions in Taipei City is greater, and the loan conditions are also better than other metropolitan areas. , the average loan ratio is about 70%, and the loan interest rate is only 2.12%. The conditions in New Taipei City are similar to those in Beishi, and the loan interest rate is also about 2.12%, but the average loan ratio is only 67.7%. However, the average loan interest rate for suites in urban areas outside Shuangbei It took off at 2.41%.
Taichung City has the most housing loans outside of Shuangbei. In the first quarter of this year, there were 121 housing loan samples, and the average housing loan ratio was about 70%. The average housing loan interest rate in the city is 2.41%, and the average housing loan is about 70%, with an average of 3.65 million yuan per room. The highest loan interest rate is 2.75% in Tainan City. However, there are only 23 suites in the sample, with an average of 2.16 million yuan per room. The average mortgage interest rate is 2.46% and the average mortgage ratio is nearly 71%.
Zeng Jingde said that the central bank’s 70% upper limit for personal second-home loans may have a slight impact on suite products, mainly affecting loan interest rates and ratios. Banks assess that suite products are mostly for non-self-use and have high risks. The conditions for housing loans will change in the short term Should be limited.
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Ye Yiru, Special Correspondent of Yahoo Finance: 22 years of experience in financial mainstream media, from the bubble of Web1.0 in 2000 to Web3.0 of the Meta universe, witnessed the history of the rise and fall of large and small business groups in Taiwan, and experienced five international financial crises. Think that finance is life, omnipresent, no matter how difficult financial management knowledge should be explained in a simple way. No matter you are young or old, you should manage money. If you don’t manage money, money will ignore you.
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