楼市又发生一件大事 买郊区房得小心了

文杰淘楼  2017-08-15 09:02

[摘要] 上周末，楼市发生了一件非常重要的事情，可惜深圳没人报道，大家都忽视了。

RDER-: 0px;FONT-FAMILY: "Microsoft YaHei", 宋体;BORDER-RIGHT: 0px;WHITE-SPACE: normal;BORDER-BOTTOM: 0px;TEXT-TRANSFORM: none;WORD-SPACING: 0px;FONT-WEIGHT: normal;COLOR: rgb(52,52,52);OUTLINE-WIDTH: 0px;PADDING-BOTTOM: 0px;FONT-STYLE: normal;TEXT-ALIGN: left;PADDING-: 0px;OUTLINE-STYLE: none;PADDING-LEFT: 0px;MARGIN: 0px 0px 30px;BORDER-LEFT: 0px;ORPHANS: 2;WIDOWS: 2;LETTER-SPACING: normal;OUTLINE-COLOR: invert;LINE-HEIGHT: 30px;PADDING-RIGHT: 0px;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 28px !important;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">导读

RDER-: 0px;FONT-FAMILY: "Microsoft YaHei", 宋体;BORDER-RIGHT: 0px;WHITE-SPACE: normal;BORDER-BOTTOM: 0px;TEXT-TRANSFORM: none;WORD-SPACING: 0px;FONT-WEIGHT: normal;COLOR: rgb(52,52,52);OUTLINE-WIDTH: 0px;PADDING-BOTTOM: 0px;FONT-STYLE: normal;TEXT-ALIGN: left;PADDING-: 0px;OUTLINE-STYLE: none;PADDING-LEFT: 0px;MARGIN: 0px 0px 30px;BORDER-LEFT: 0px;ORPHANS: 2;WIDOWS: 2;LETTER-SPACING: normal;OUTLINE-COLOR: invert;LINE-HEIGHT: 30px;PADDING-RIGHT: 0px;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 28px !important;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">上周末，楼市发生了一件非常重要的事情，可惜深圳没人报道，大家都忽视了。

RDER-: 0px;FONT-FAMILY: "Microsoft YaHei", 宋体;BORDER-RIGHT: 0px;WHITE-SPACE: normal;BORDER-BOTTOM: 0px;TEXT-TRANSFORM: none;WORD-SPACING: 0px;FONT-WEIGHT: normal;COLOR: rgb(52,52,52);OUTLINE-WIDTH: 0px;PADDING-BOTTOM: 0px;FONT-STYLE: normal;TEXT-ALIGN: left;PADDING-: 0px;OUTLINE-STYLE: none;PADDING-LEFT: 0px;MARGIN: 0px 0px 30px;BORDER-LEFT: 0px;ORPHANS: 2;WIDOWS: 2;LETTER-SPACING: normal;OUTLINE-COLOR: invert;LINE-HEIGHT: 30px;PADDING-RIGHT: 0px;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 28px !important;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">而淘哥周末辗转多城看房踩盘，也没时间写，只在小密圈对密友们做了分析。

RDER-: 0px;FONT-FAMILY: "Microsoft YaHei", 宋体;BORDER-RIGHT: 0px;WHITE-SPACE: normal;BORDER-BOTTOM: 0px;TEXT-TRANSFORM: none;WORD-SPACING: 0px;FONT-WEIGHT: normal;COLOR: rgb(52,52,52);OUTLINE-WIDTH: 0px;PADDING-BOTTOM: 0px;FONT-STYLE: normal;TEXT-ALIGN: left;PADDING-: 0px;OUTLINE-STYLE: none;PADDING-LEFT: 0px;MARGIN: 0px 0px 30px;BORDER-LEFT: 0px;ORPHANS: 2;WIDOWS: 2;LETTER-SPACING: normal;OUTLINE-COLOR: invert;LINE-HEIGHT: 30px;PADDING-RIGHT: 0px;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 28px !important;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">今晚，淘哥终于抽出时间，可以来谈谈此事。

RDER-: 0px;FONT-FAMILY: "Microsoft YaHei", 宋体;BORDER-RIGHT: 0px;WHITE-SPACE: normal;BORDER-BOTTOM: 0px;TEXT-TRANSFORM: none;WORD-SPACING: 0px;FONT-WEIGHT: normal;COLOR: rgb(52,52,52);OUTLINE-WIDTH: 0px;PADDING-BOTTOM: 0px;FONT-STYLE: normal;TEXT-ALIGN: left;PADDING-: 0px;OUTLINE-STYLE: none;PADDING-LEFT: 0px;MARGIN: 0px 0px 30px;BORDER-LEFT: 0px;ORPHANS: 2;WIDOWS: 2;LETTER-SPACING: normal;OUTLINE-COLOR: invert;LINE-HEIGHT: 30px;PADDING-RIGHT: 0px;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 28px !important;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">这就是：首套房贷利率正式提升到1.05倍！这意味着什么，对楼市又有何冲击？淘哥今天来解读。

RDER-: 0px;FONT-FAMILY: "Microsoft YaHei", 宋体;BORDER-RIGHT: 0px;WHITE-SPACE: normal;BORDER-BOTTOM: 0px;TEXT-TRANSFORM: none;WORD-SPACING: 0px;FONT-WEIGHT: normal;COLOR: rgb(52,52,52);OUTLINE-WIDTH: 0px;PADDING-BOTTOM: 0px;FONT-STYLE: normal;TEXT-ALIGN: left;PADDING-: 0px;OUTLINE-STYLE: none;PADDING-LEFT: 0px;MARGIN: 0px 0px 30px;BORDER-LEFT: 0px;ORPHANS: 2;WIDOWS: 2;LETTER-SPACING: normal;OUTLINE-COLOR: invert;LINE-HEIGHT: 30px;PADDING-RIGHT: 0px;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 28px !important;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">01

RDER-: 0px;FONT-FAMILY: "Microsoft YaHei", 宋体;BORDER-RIGHT: 0px;WHITE-SPACE: normal;BORDER-BOTTOM: 0px;TEXT-TRANSFORM: none;WORD-SPACING: 0px;FONT-WEIGHT: normal;COLOR: rgb(52,52,52);OUTLINE-WIDTH: 0px;PADDING-BOTTOM: 0px;FONT-STYLE: normal;TEXT-ALIGN: left;PADDING-: 0px;OUTLINE-STYLE: none;PADDING-LEFT: 0px;MARGIN: 0px 0px 30px;BORDER-LEFT: 0px;ORPHANS: 2;WIDOWS: 2;LETTER-SPACING: normal;OUTLINE-COLOR: invert;LINE-HEIGHT: 30px;PADDING-RIGHT: 0px;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 28px !important;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">广州四大行率先上调首套房贷利率

RDER-: 0px;FONT-FAMILY: "Microsoft YaHei", 宋体;BORDER-RIGHT: 0px;WHITE-SPACE: normal;BORDER-BOTTOM: 0px;TEXT-TRANSFORM: none;WORD-SPACING: 0px;FONT-WEIGHT: normal;COLOR: rgb(52,52,52);OUTLINE-WIDTH: 0px;PADDING-BOTTOM: 0px;FONT-STYLE: normal;TEXT-ALIGN: left;PADDING-: 0px;OUTLINE-STYLE: none;PADDING-LEFT: 0px;MARGIN: 0px 0px 30px;BORDER-LEFT: 0px;ORPHANS: 2;WIDOWS: 2;LETTER-SPACING: normal;OUTLINE-COLOR: invert;LINE-HEIGHT: 30px;PADDING-RIGHT: 0px;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 28px !important;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">上周五8月12日，广州四大行全面上调首套房贷利率。

RDER-: 0px;FONT-FAMILY: "Microsoft YaHei", 宋体;BORDER-RIGHT: 0px;WHITE-SPACE: normal;BORDER-BOTTOM: 0px;TEXT-TRANSFORM: none;WORD-SPACING: 0px;FONT-WEIGHT: normal;COLOR: rgb(52,52,52);OUTLINE-WIDTH: 0px;PADDING-BOTTOM: 0px;FONT-STYLE: normal;TEXT-ALIGN: left;PADDING-: 0px;OUTLINE-STYLE: none;PADDING-LEFT: 0px;MARGIN: 0px 0px 30px;BORDER-LEFT: 0px;ORPHANS: 2;WIDOWS: 2;LETTER-SPACING: normal;OUTLINE-COLOR: invert;LINE-HEIGHT: 30px;PADDING-RIGHT: 0px;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 28px !important;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">建行广东省分行营业部宣布当日起，首付3成、4成、5成的客户执行基准利率上浮5%，首付7成的上浮15%！

RDER-: 0px;FONT-FAMILY: "Microsoft YaHei", 宋体;BORDER-RIGHT: 0px;WHITE-SPACE: normal;BORDER-BOTTOM: 0px;TEXT-TRANSFORM: none;WORD-SPACING: 0px;FONT-WEIGHT: normal;COLOR: rgb(52,52,52);OUTLINE-WIDTH: 0px;PADDING-BOTTOM: 0px;FONT-STYLE: normal;TEXT-ALIGN: left;PADDING-: 0px;OUTLINE-STYLE: none;PADDING-LEFT: 0px;MARGIN: 0px 0px 30px;BORDER-LEFT: 0px;ORPHANS: 2;WIDOWS: 2;LETTER-SPACING: normal;OUTLINE-COLOR: invert;LINE-HEIGHT: 30px;PADDING-RIGHT: 0px;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 28px !important;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">此外，中行、农行纷纷口头通知各大按揭行，也将于8月12日上调首套房基准利率，调整幅度与建行一致！

RDER-: 0px;FONT-FAMILY: "Microsoft YaHei", 宋体;BORDER-RIGHT: 0px;WHITE-SPACE: normal;BORDER-BOTTOM: 0px;TEXT-TRANSFORM: none;WORD-SPACING: 0px;FONT-WEIGHT: normal;COLOR: rgb(52,52,52);OUTLINE-WIDTH: 0px;PADDING-BOTTOM: 0px;FONT-STYLE: normal;TEXT-ALIGN: left;PADDING-: 0px;OUTLINE-STYLE: none;PADDING-LEFT: 0px;MARGIN: 0px 0px 30px;BORDER-LEFT: 0px;ORPHANS: 2;WIDOWS: 2;LETTER-SPACING: normal;OUTLINE-COLOR: invert;LINE-HEIGHT: 30px;PADDING-RIGHT: 0px;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 28px !important;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">工行也已下发通知：8月14日（下周一）开始执行首套利率上浮5%，二套上浮15%，以系统上报为准，本周六、日上报仍可基准。

RDER-: 0px;FONT-FAMILY: "Microsoft YaHei", 宋体;BORDER-RIGHT: 0px;WHITE-SPACE: normal;BORDER-BOTTOM: 0px;TEXT-TRANSFORM: none;WORD-SPACING: 0px;FONT-WEIGHT: normal;COLOR: rgb(52,52,52);OUTLINE-WIDTH: 0px;PADDING-BOTTOM: 0px;FONT-STYLE: normal;TEXT-ALIGN: left;PADDING-: 0px;OUTLINE-STYLE: none;PADDING-LEFT: 0px;MARGIN: 0px 0px 30px;BORDER-LEFT: 0px;ORPHANS: 2;WIDOWS: 2;LETTER-SPACING: normal;OUTLINE-COLOR: invert;LINE-HEIGHT: 30px;PADDING-RIGHT: 0px;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 28px !important;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">淘哥周末刚好陪一位朋友去广州买房，就遭遇了房贷利率上浮5%的事情。银行按揭员说，如果早一天还可以基准。

RDER-: 0px;FONT-FAMILY: "Microsoft YaHei", 宋体;BORDER-RIGHT: 0px;WHITE-SPACE: normal;BORDER-BOTTOM: 0px;TEXT-TRANSFORM: none;WORD-SPACING: 0px;FONT-WEIGHT: normal;COLOR: rgb(52,52,52);OUTLINE-WIDTH: 0px;PADDING-BOTTOM: 0px;FONT-STYLE: normal;TEXT-ALIGN: left;PADDING-: 0px;OUTLINE-STYLE: none;PADDING-LEFT: 0px;MARGIN: 0px 0px 30px;BORDER-LEFT: 0px;ORPHANS: 2;WIDOWS: 2;LETTER-SPACING: normal;OUTLINE-COLOR: invert;LINE-HEIGHT: 30px;PADDING-RIGHT: 0px;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 28px !important;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">看看广州媒体制作的这个表格就清楚了：

RDER-: 0px;FONT-FAMILY: "Microsoft YaHei", 宋体;BORDER-RIGHT: 0px;WHITE-SPACE: normal;BORDER-BOTTOM: 0px;TEXT-TRANSFORM: none;WORD-SPACING: 0px;FONT-WEIGHT: normal;COLOR: rgb(52,52,52);OUTLINE-WIDTH: 0px;PADDING-BOTTOM: 0px;FONT-STYLE: normal;TEXT-ALIGN: center;PADDING-: 0px;OUTLINE-STYLE: none;PADDING-LEFT: 0px;MARGIN: 0px 0px 30px;BORDER-LEFT: 0px;ORPHANS: 2;WIDOWS: 2;LETTER-SPACING: normal;OUTLINE-COLOR: invert;LINE-HEIGHT: 30px;PADDING-RIGHT: 0px;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 28px !important;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">

RDER-: 0px;FONT-FAMILY: "Microsoft YaHei", 宋体;BORDER-RIGHT: 0px;WHITE-SPACE: normal;BORDER-BOTTOM: 0px;TEXT-TRANSFORM: none;WORD-SPACING: 0px;FONT-WEIGHT: normal;COLOR: rgb(52,52,52);OUTLINE-WIDTH: 0px;PADDING-BOTTOM: 0px;FONT-STYLE: normal;TEXT-ALIGN: left;PADDING-: 0px;OUTLINE-STYLE: none;PADDING-LEFT: 0px;MARGIN: 0px 0px 30px;BORDER-LEFT: 0px;ORPHANS: 2;WIDOWS: 2;LETTER-SPACING: normal;OUTLINE-COLOR: invert;LINE-HEIGHT: 30px;PADDING-RIGHT: 0px;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 28px !important;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">据悉，对于贷款还没有发放的客户，当初同贷书上注明的利率优惠或许难保。

RDER-: 0px;FONT-FAMILY: "Microsoft YaHei", 宋体;BORDER-RIGHT: 0px;WHITE-SPACE: normal;BORDER-BOTTOM: 0px;TEXT-TRANSFORM: none;WORD-SPACING: 0px;FONT-WEIGHT: normal;COLOR: rgb(52,52,52);OUTLINE-WIDTH: 0px;PADDING-BOTTOM: 0px;FONT-STYLE: normal;TEXT-ALIGN: left;PADDING-: 0px;OUTLINE-STYLE: none;PADDING-LEFT: 0px;MARGIN: 0px 0px 30px;BORDER-LEFT: 0px;ORPHANS: 2;WIDOWS: 2;LETTER-SPACING: normal;OUTLINE-COLOR: invert;LINE-HEIGHT: 30px;PADDING-RIGHT: 0px;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 28px !important;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">02

RDER-: 0px;FONT-FAMILY: "Microsoft YaHei", 宋体;BORDER-RIGHT: 0px;WHITE-SPACE: normal;BORDER-BOTTOM: 0px;TEXT-TRANSFORM: none;WORD-SPACING: 0px;FONT-WEIGHT: normal;COLOR: rgb(52,52,52);OUTLINE-WIDTH: 0px;PADDING-BOTTOM: 0px;FONT-STYLE: normal;TEXT-ALIGN: left;PADDING-: 0px;OUTLINE-STYLE: none;PADDING-LEFT: 0px;MARGIN: 0px 0px 30px;BORDER-LEFT: 0px;ORPHANS: 2;WIDOWS: 2;LETTER-SPACING: normal;OUTLINE-COLOR: invert;LINE-HEIGHT: 30px;PADDING-RIGHT: 0px;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 28px !important;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">房贷还会继续收紧

RDER-: 0px;FONT-FAMILY: "Microsoft YaHei", 宋体;BORDER-RIGHT: 0px;WHITE-SPACE: normal;BORDER-BOTTOM: 0px;TEXT-TRANSFORM: none;WORD-SPACING: 0px;FONT-WEIGHT: normal;COLOR: rgb(52,52,52);OUTLINE-WIDTH: 0px;PADDING-BOTTOM: 0px;FONT-STYLE: normal;TEXT-ALIGN: left;PADDING-: 0px;OUTLINE-STYLE: none;PADDING-LEFT: 0px;MARGIN: 0px 0px 30px;BORDER-LEFT: 0px;ORPHANS: 2;WIDOWS: 2;LETTER-SPACING: normal;OUTLINE-COLOR: invert;LINE-HEIGHT: 30px;PADDING-RIGHT: 0px;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 28px !important;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">如何解读这个消息？

RDER-: 0px;FONT-FAMILY: "Microsoft YaHei", 宋体;BORDER-RIGHT: 0px;WHITE-SPACE: normal;BORDER-BOTTOM: 0px;TEXT-TRANSFORM: none;WORD-SPACING: 0px;FONT-WEIGHT: normal;COLOR: rgb(52,52,52);OUTLINE-WIDTH: 0px;PADDING-BOTTOM: 0px;FONT-STYLE: normal;TEXT-ALIGN: left;PADDING-: 0px;OUTLINE-STYLE: none;PADDING-LEFT: 0px;MARGIN: 0px 0px 30px;BORDER-LEFT: 0px;ORPHANS: 2;WIDOWS: 2;LETTER-SPACING: normal;OUTLINE-COLOR: invert;LINE-HEIGHT: 30px;PADDING-RIGHT: 0px;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 28px !important;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">淘哥觉得这个消息非常重要，明确的释放出了房贷从紧的信号。别以为这只是广州的事情，和深圳无关，深圳是迟早的事情。

RDER-: 0px;FONT-FAMILY: "Microsoft YaHei", 宋体;BORDER-RIGHT: 0px;WHITE-SPACE: normal;BORDER-BOTTOM: 0px;TEXT-TRANSFORM: none;WORD-SPACING: 0px;FONT-WEIGHT: normal;COLOR: rgb(52,52,52);OUTLINE-WIDTH: 0px;PADDING-BOTTOM: 0px;FONT-STYLE: normal;TEXT-ALIGN: left;PADDING-: 0px;OUTLINE-STYLE: none;PADDING-LEFT: 0px;MARGIN: 0px 0px 30px;BORDER-LEFT: 0px;ORPHANS: 2;WIDOWS: 2;LETTER-SPACING: normal;OUTLINE-COLOR: invert;LINE-HEIGHT: 30px;PADDING-RIGHT: 0px;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 28px !important;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">淘哥多次在文章和分享会上强调，下半年别奢望限购限贷会放松，这是不切实际的幻想！

RDER-: 0px;FONT-FAMILY: "Microsoft YaHei", 宋体;BORDER-RIGHT: 0px;WHITE-SPACE: normal;BORDER-BOTTOM: 0px;TEXT-TRANSFORM: none;WORD-SPACING: 0px;FONT-WEIGHT: normal;COLOR: rgb(52,52,52);OUTLINE-WIDTH: 0px;PADDING-BOTTOM: 0px;FONT-STYLE: normal;TEXT-ALIGN: left;PADDING-: 0px;OUTLINE-STYLE: none;PADDING-LEFT: 0px;MARGIN: 0px 0px 30px;BORDER-LEFT: 0px;ORPHANS: 2;WIDOWS: 2;LETTER-SPACING: normal;OUTLINE-COLOR: invert;LINE-HEIGHT: 30px;PADDING-RIGHT: 0px;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 28px !important;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">因为整个金融环境的大背景是去杠杆。淘哥的消息是，深圳某大行对房贷的要求是，存量不允许新增。也就是说，老客户还了多少房贷，决定了你能新放多少款。如果你想放1000万的房贷，先必须凑齐老客户1000万的还款。

RDER-: 0px;FONT-FAMILY: "Microsoft YaHei", 宋体;BORDER-RIGHT: 0px;WHITE-SPACE: normal;BORDER-BOTTOM: 0px;TEXT-TRANSFORM: none;WORD-SPACING: 0px;FONT-WEIGHT: normal;COLOR: rgb(52,52,52);OUTLINE-WIDTH: 0px;PADDING-BOTTOM: 0px;FONT-STYLE: normal;TEXT-ALIGN: left;PADDING-: 0px;OUTLINE-STYLE: none;PADDING-LEFT: 0px;MARGIN: 0px 0px 30px;BORDER-LEFT: 0px;ORPHANS: 2;WIDOWS: 2;LETTER-SPACING: normal;OUTLINE-COLOR: invert;LINE-HEIGHT: 30px;PADDING-RIGHT: 0px;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 28px !important;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">这种形势下，房贷额度极其紧张，银行上调利率就在情理之中。而银行方面，则对客户的征信情况、工作单位和工作性质都有很严的审核。毕竟在额度紧张的情况下，银行也只能择优放款。

RDER-: 0px;FONT-FAMILY: "Microsoft YaHei", 宋体;BORDER-RIGHT: 0px;WHITE-SPACE: normal;BORDER-BOTTOM: 0px;TEXT-TRANSFORM: none;WORD-SPACING: 0px;FONT-WEIGHT: normal;COLOR: rgb(52,52,52);OUTLINE-WIDTH: 0px;PADDING-BOTTOM: 0px;FONT-STYLE: normal;TEXT-ALIGN: left;PADDING-: 0px;OUTLINE-STYLE: none;PADDING-LEFT: 0px;MARGIN: 0px 0px 30px;BORDER-LEFT: 0px;ORPHANS: 2;WIDOWS: 2;LETTER-SPACING: normal;OUTLINE-COLOR: invert;LINE-HEIGHT: 30px;PADDING-RIGHT: 0px;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 28px !important;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">这几天，也有消息在朋友圈流传，说深圳首套房贷也要上浮5%，不过淘哥这些天向深圳开发商了解，目前深圳首套房贷基本都是基准，极少部分可98折。

RDER-: 0px;FONT-FAMILY: "Microsoft YaHei", 宋体;BORDER-RIGHT: 0px;WHITE-SPACE: normal;BORDER-BOTTOM: 0px;TEXT-TRANSFORM: none;WORD-SPACING: 0px;FONT-WEIGHT: normal;COLOR: rgb(52,52,52);OUTLINE-WIDTH: 0px;PADDING-BOTTOM: 0px;FONT-STYLE: normal;TEXT-ALIGN: left;PADDING-: 0px;OUTLINE-STYLE: none;PADDING-LEFT: 0px;MARGIN: 0px 0px 30px;BORDER-LEFT: 0px;ORPHANS: 2;WIDOWS: 2;LETTER-SPACING: normal;OUTLINE-COLOR: invert;LINE-HEIGHT: 30px;PADDING-RIGHT: 0px;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 28px !important;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">但按照这个趋势发展下去，深圳很可能跟进广州上浮5%的举措。

RDER-: 0px;FONT-FAMILY: "Microsoft YaHei", 宋体;BORDER-RIGHT: 0px;WHITE-SPACE: normal;BORDER-BOTTOM: 0px;TEXT-TRANSFORM: none;WORD-SPACING: 0px;FONT-WEIGHT: normal;COLOR: rgb(52,52,52);OUTLINE-WIDTH: 0px;PADDING-BOTTOM: 0px;FONT-STYLE: normal;TEXT-ALIGN: left;PADDING-: 0px;OUTLINE-STYLE: none;PADDING-LEFT: 0px;MARGIN: 0px 0px 30px;BORDER-LEFT: 0px;ORPHANS: 2;WIDOWS: 2;LETTER-SPACING: normal;OUTLINE-COLOR: invert;LINE-HEIGHT: 30px;PADDING-RIGHT: 0px;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 28px !important;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">03

RDER-: 0px;FONT-FAMILY: "Microsoft YaHei", 宋体;BORDER-RIGHT: 0px;WHITE-SPACE: normal;BORDER-BOTTOM: 0px;TEXT-TRANSFORM: none;WORD-SPACING: 0px;FONT-WEIGHT: normal;COLOR: rgb(52,52,52);OUTLINE-WIDTH: 0px;PADDING-BOTTOM: 0px;FONT-STYLE: normal;TEXT-ALIGN: left;PADDING-: 0px;OUTLINE-STYLE: none;PADDING-LEFT: 0px;MARGIN: 0px 0px 30px;BORDER-LEFT: 0px;ORPHANS: 2;WIDOWS: 2;LETTER-SPACING: normal;OUTLINE-COLOR: invert;LINE-HEIGHT: 30px;PADDING-RIGHT: 0px;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 28px !important;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">淘哥解读：郊区刚需盘冲击大，城心豪宅影响小

RDER-: 0px;FONT-FAMILY: "Microsoft YaHei", 宋体;BORDER-RIGHT: 0px;WHITE-SPACE: normal;BORDER-BOTTOM: 0px;TEXT-TRANSFORM: none;WORD-SPACING: 0px;FONT-WEIGHT: normal;COLOR: rgb(52,52,52);OUTLINE-WIDTH: 0px;PADDING-BOTTOM: 0px;FONT-STYLE: normal;TEXT-ALIGN: left;PADDING-: 0px;OUTLINE-STYLE: none;PADDING-LEFT: 0px;MARGIN: 0px 0px 30px;BORDER-LEFT: 0px;ORPHANS: 2;WIDOWS: 2;LETTER-SPACING: normal;OUTLINE-COLOR: invert;LINE-HEIGHT: 30px;PADDING-RIGHT: 0px;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 28px !important;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">100万的贷款，基准利率4.9%，贷款30年，月供是5307.

RDER-: 0px;FONT-FAMILY: "Microsoft YaHei", 宋体;BORDER-RIGHT: 0px;WHITE-SPACE: normal;BORDER-BOTTOM: 0px;TEXT-TRANSFORM: none;WORD-SPACING: 0px;FONT-WEIGHT: normal;COLOR: rgb(52,52,52);OUTLINE-WIDTH: 0px;PADDING-BOTTOM: 0px;FONT-STYLE: normal;TEXT-ALIGN: left;PADDING-: 0px;OUTLINE-STYLE: none;PADDING-LEFT: 0px;MARGIN: 0px 0px 30px;BORDER-LEFT: 0px;ORPHANS: 2;WIDOWS: 2;LETTER-SPACING: normal;OUTLINE-COLOR: invert;LINE-HEIGHT: 30px;PADDING-RIGHT: 0px;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 28px !important;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">如果是85折，利率只有4.165%，30年，月供是4870.

RDER-: 0px;FONT-FAMILY: "Microsoft YaHei", 宋体;BORDER-RIGHT: 0px;WHITE-SPACE: normal;BORDER-BOTTOM: 0px;TEXT-TRANSFORM: none;WORD-SPACING: 0px;FONT-WEIGHT: normal;COLOR: rgb(52,52,52);OUTLINE-WIDTH: 0px;PADDING-BOTTOM: 0px;FONT-STYLE: normal;TEXT-ALIGN: left;PADDING-: 0px;OUTLINE-STYLE: none;PADDING-LEFT: 0px;MARGIN: 0px 0px 30px;BORDER-LEFT: 0px;ORPHANS: 2;WIDOWS: 2;LETTER-SPACING: normal;OUTLINE-COLOR: invert;LINE-HEIGHT: 30px;PADDING-RIGHT: 0px;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 28px !important;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">如果变成1.05倍，利率是5.145%，30年的月供是5460.

RDER-: 0px;FONT-FAMILY: "Microsoft YaHei", 宋体;BORDER-RIGHT: 0px;WHITE-SPACE: normal;BORDER-BOTTOM: 0px;TEXT-TRANSFORM: none;WORD-SPACING: 0px;FONT-WEIGHT: normal;COLOR: rgb(52,52,52);OUTLINE-WIDTH: 0px;PADDING-BOTTOM: 0px;FONT-STYLE: normal;TEXT-ALIGN: left;PADDING-: 0px;OUTLINE-STYLE: none;PADDING-LEFT: 0px;MARGIN: 0px 0px 30px;BORDER-LEFT: 0px;ORPHANS: 2;WIDOWS: 2;LETTER-SPACING: normal;OUTLINE-COLOR: invert;LINE-HEIGHT: 30px;PADDING-RIGHT: 0px;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 28px !important;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">从上面计算可以看出，首套房贷从85折，逐步上调到1.05倍后，月供上涨幅度很大。

RDER-: 0px;FONT-FAMILY: "Microsoft YaHei", 宋体;BORDER-RIGHT: 0px;WHITE-SPACE: normal;BORDER-BOTTOM: 0px;TEXT-TRANSFORM: none;WORD-SPACING: 0px;FONT-WEIGHT: normal;COLOR: rgb(52,52,52);OUTLINE-WIDTH: 0px;PADDING-BOTTOM: 0px;FONT-STYLE: normal;TEXT-ALIGN: left;PADDING-: 0px;OUTLINE-STYLE: none;PADDING-LEFT: 0px;MARGIN: 0px 0px 30px;BORDER-LEFT: 0px;ORPHANS: 2;WIDOWS: 2;LETTER-SPACING: normal;OUTLINE-COLOR: invert;LINE-HEIGHT: 30px;PADDING-RIGHT: 0px;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 28px !important;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">如果深圳跟进，对未来楼市会有何影响？淘哥认为：

RDER-: 0px;FONT-FAMILY: "Microsoft YaHei", 宋体;BORDER-RIGHT: 0px;WHITE-SPACE: normal;BORDER-BOTTOM: 0px;TEXT-TRANSFORM: none;WORD-SPACING: 0px;FONT-WEIGHT: normal;COLOR: rgb(52,52,52);OUTLINE-WIDTH: 0px;PADDING-BOTTOM: 0px;FONT-STYLE: normal;TEXT-ALIGN: left;PADDING-: 0px;OUTLINE-STYLE: none;PADDING-LEFT: 0px;MARGIN: 0px 0px 30px;BORDER-LEFT: 0px;ORPHANS: 2;WIDOWS: 2;LETTER-SPACING: normal;OUTLINE-COLOR: invert;LINE-HEIGHT: 30px;PADDING-RIGHT: 0px;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 28px !important;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">1、对刚需盘影响。

RDER-: 0px;FONT-FAMILY: "Microsoft YaHei", 宋体;BORDER-RIGHT: 0px;WHITE-SPACE: normal;BORDER-BOTTOM: 0px;TEXT-TRANSFORM: none;WORD-SPACING: 0px;FONT-WEIGHT: normal;COLOR: rgb(52,52,52);OUTLINE-WIDTH: 0px;PADDING-BOTTOM: 0px;FONT-STYLE: normal;TEXT-ALIGN: left;PADDING-: 0px;OUTLINE-STYLE: none;PADDING-LEFT: 0px;MARGIN: 0px 0px 30px;BORDER-LEFT: 0px;ORPHANS: 2;WIDOWS: 2;LETTER-SPACING: normal;OUTLINE-COLOR: invert;LINE-HEIGHT: 30px;PADDING-RIGHT: 0px;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 28px !important;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">刚需收入低，本身买个房东拼西凑，紧巴巴的当房奴，很容易斤斤计较。月供从85折到1.05倍，压力大很多！所以淘哥多次提醒，下半年远郊盘可能会有波动。

RDER-: 0px;FONT-FAMILY: "Microsoft YaHei", 宋体;BORDER-RIGHT: 0px;WHITE-SPACE: normal;BORDER-BOTTOM: 0px;TEXT-TRANSFORM: none;WORD-SPACING: 0px;FONT-WEIGHT: normal;COLOR: rgb(52,52,52);OUTLINE-WIDTH: 0px;PADDING-BOTTOM: 0px;FONT-STYLE: normal;TEXT-ALIGN: left;PADDING-: 0px;OUTLINE-STYLE: none;PADDING-LEFT: 0px;MARGIN: 0px 0px 30px;BORDER-LEFT: 0px;ORPHANS: 2;WIDOWS: 2;LETTER-SPACING: normal;OUTLINE-COLOR: invert;LINE-HEIGHT: 30px;PADDING-RIGHT: 0px;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 28px !important;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">淘哥的观点是，越是调整周期，远郊的物业波动越大，中心物业更稳定。这其实也是一个生理规律，当面对严寒时，人的四肢温度首先降低，能量会汇聚在心脏大脑，保证人体核心区的功能。

RDER-: 0px;FONT-FAMILY: "Microsoft YaHei", 宋体;BORDER-RIGHT: 0px;WHITE-SPACE: normal;BORDER-BOTTOM: 0px;TEXT-TRANSFORM: none;WORD-SPACING: 0px;FONT-WEIGHT: normal;COLOR: rgb(52,52,52);OUTLINE-WIDTH: 0px;PADDING-BOTTOM: 0px;FONT-STYLE: normal;TEXT-ALIGN: left;PADDING-: 0px;OUTLINE-STYLE: none;PADDING-LEFT: 0px;MARGIN: 0px 0px 30px;BORDER-LEFT: 0px;ORPHANS: 2;WIDOWS: 2;LETTER-SPACING: normal;OUTLINE-COLOR: invert;LINE-HEIGHT: 30px;PADDING-RIGHT: 0px;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 28px !important;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">最近深圳楼市新盘入市速度在加快，有些远郊物业入市价格也很实在，其实是开发商主动在调整价格预期，回避风险。

RDER-: 0px;FONT-FAMILY: "Microsoft YaHei", 宋体;BORDER-RIGHT: 0px;WHITE-SPACE: normal;BORDER-BOTTOM: 0px;TEXT-TRANSFORM: none;WORD-SPACING: 0px;FONT-WEIGHT: normal;COLOR: rgb(52,52,52);OUTLINE-WIDTH: 0px;PADDING-BOTTOM: 0px;FONT-STYLE: normal;TEXT-ALIGN: left;PADDING-: 0px;OUTLINE-STYLE: none;PADDING-LEFT: 0px;MARGIN: 0px 0px 30px;BORDER-LEFT: 0px;ORPHANS: 2;WIDOWS: 2;LETTER-SPACING: normal;OUTLINE-COLOR: invert;LINE-HEIGHT: 30px;PADDING-RIGHT: 0px;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 28px !important;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">2、对核心城区的豪宅而言，利率上调相反影响较小。

RDER-: 0px;FONT-FAMILY: "Microsoft YaHei", 宋体;BORDER-RIGHT: 0px;WHITE-SPACE: normal;BORDER-BOTTOM: 0px;TEXT-TRANSFORM: none;WORD-SPACING: 0px;FONT-WEIGHT: normal;COLOR: rgb(52,52,52);OUTLINE-WIDTH: 0px;PADDING-BOTTOM: 0px;FONT-STYLE: normal;TEXT-ALIGN: left;PADDING-: 0px;OUTLINE-STYLE: none;PADDING-LEFT: 0px;MARGIN: 0px 0px 30px;BORDER-LEFT: 0px;ORPHANS: 2;WIDOWS: 2;LETTER-SPACING: normal;OUTLINE-COLOR: invert;LINE-HEIGHT: 30px;PADDING-RIGHT: 0px;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 28px !important;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">一方面反正不是首套，另一方面财富阶层的财富积累速度很快，利率上浮点能消化，其实豪宅盘高首付和一次性付款的比例一直比刚需盘高。对于土豪们而言，房票的问题，比钞票的问题更难。

RDER-: 0px;FONT-FAMILY: "Microsoft YaHei", 宋体;BORDER-RIGHT: 0px;WHITE-SPACE: normal;BORDER-BOTTOM: 0px;TEXT-TRANSFORM: none;WORD-SPACING: 0px;FONT-WEIGHT: normal;COLOR: rgb(52,52,52);OUTLINE-WIDTH: 0px;PADDING-BOTTOM: 0px;FONT-STYLE: normal;TEXT-ALIGN: left;PADDING-: 0px;OUTLINE-STYLE: none;PADDING-LEFT: 0px;MARGIN: 0px 0px 30px;BORDER-LEFT: 0px;ORPHANS: 2;WIDOWS: 2;LETTER-SPACING: normal;OUTLINE-COLOR: invert;LINE-HEIGHT: 30px;PADDING-RIGHT: 0px;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 28px !important;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">其次，限价被限得最厉害的是豪宅。限价折价这么大，相比之下利率上浮点是小事。再者，刚才说了，市场调控期，核心区物业一贯更稳健。

RDER-: 0px;FONT-FAMILY: "Microsoft YaHei", 宋体;BORDER-RIGHT: 0px;WHITE-SPACE: normal;BORDER-BOTTOM: 0px;TEXT-TRANSFORM: none;WORD-SPACING: 0px;FONT-WEIGHT: normal;COLOR: rgb(52,52,52);OUTLINE-WIDTH: 0px;PADDING-BOTTOM: 0px;FONT-STYLE: normal;TEXT-ALIGN: left;PADDING-: 0px;OUTLINE-STYLE: none;PADDING-LEFT: 0px;MARGIN: 0px 0px 30px;BORDER-LEFT: 0px;ORPHANS: 2;WIDOWS: 2;LETTER-SPACING: normal;OUTLINE-COLOR: invert;LINE-HEIGHT: 30px;PADDING-RIGHT: 0px;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 28px !important;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">3、现在银行放款很困难，买豪宅有个隐形利好就是，放款很慢，这相当于晚交月供。几千万的房子晚供几个月，这几个月就省了几十万月供。

RDER-: 0px;FONT-FAMILY: "Microsoft YaHei", 宋体;BORDER-RIGHT: 0px;WHITE-SPACE: normal;BORDER-BOTTOM: 0px;TEXT-TRANSFORM: none;WORD-SPACING: 0px;FONT-WEIGHT: normal;COLOR: rgb(52,52,52);OUTLINE-WIDTH: 0px;PADDING-BOTTOM: 0px;FONT-STYLE: normal;TEXT-ALIGN: left;PADDING-: 0px;OUTLINE-STYLE: none;PADDING-LEFT: 0px;MARGIN: 0px 0px 30px;BORDER-LEFT: 0px;ORPHANS: 2;WIDOWS: 2;LETTER-SPACING: normal;OUTLINE-COLOR: invert;LINE-HEIGHT: 30px;PADDING-RIGHT: 0px;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 28px !important;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">而且，购房者也有充足的时间凑钱，相比之下，即使利率上浮点也划算。

RDER-: 0px;FONT-FAMILY: "Microsoft YaHei", 宋体;BORDER-RIGHT: 0px;WHITE-SPACE: normal;BORDER-BOTTOM: 0px;TEXT-TRANSFORM: none;WORD-SPACING: 0px;FONT-WEIGHT: normal;COLOR: rgb(52,52,52);OUTLINE-WIDTH: 0px;PADDING-BOTTOM: 0px;FONT-STYLE: normal;TEXT-ALIGN: left;PADDING-: 0px;OUTLINE-STYLE: none;PADDING-LEFT: 0px;MARGIN: 0px 0px 30px;BORDER-LEFT: 0px;ORPHANS: 2;WIDOWS: 2;LETTER-SPACING: normal;OUTLINE-COLOR: invert;LINE-HEIGHT: 30px;PADDING-RIGHT: 0px;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 28px !important;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">4、所以不能一概而论的说，或者一厢情愿的说，房贷折扣取消，就会导致房价下降。但是有一点是肯定的，买房成本一定是上升了。

RDER-: 0px;FONT-FAMILY: "Microsoft YaHei", 宋体;BORDER-RIGHT: 0px;WHITE-SPACE: normal;BORDER-BOTTOM: 0px;TEXT-TRANSFORM: none;WORD-SPACING: 0px;FONT-WEIGHT: normal;COLOR: rgb(52,52,52);OUTLINE-WIDTH: 0px;PADDING-BOTTOM: 0px;FONT-STYLE: normal;TEXT-ALIGN: left;PADDING-: 0px;OUTLINE-STYLE: none;PADDING-LEFT: 0px;MARGIN: 0px 0px 30px;BORDER-LEFT: 0px;ORPHANS: 2;WIDOWS: 2;LETTER-SPACING: normal;OUTLINE-COLOR: invert;LINE-HEIGHT: 30px;PADDING-RIGHT: 0px;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 28px !important;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">事实上，绝大部分调控措施，都是在提升买房门槛，统计上的房价也许降了点，但留给你最切身的感受是：买房越来越难了。

RDER-: 0px;FONT-FAMILY: "Microsoft YaHei", 宋体;BORDER-RIGHT: 0px;WHITE-SPACE: normal;BORDER-BOTTOM: 0px;TEXT-TRANSFORM: none;WORD-SPACING: 0px;FONT-WEIGHT: normal;COLOR: rgb(52,52,52);OUTLINE-WIDTH: 0px;PADDING-BOTTOM: 0px;FONT-STYLE: normal;TEXT-ALIGN: left;PADDING-: 0px;OUTLINE-STYLE: none;PADDING-LEFT: 0px;MARGIN: 0px 0px 30px;BORDER-LEFT: 0px;ORPHANS: 2;WIDOWS: 2;LETTER-SPACING: normal;OUTLINE-COLOR: invert;LINE-HEIGHT: 30px;PADDING-RIGHT: 0px;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 28px !important;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">且行且珍惜吧。

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