美媒:利率下调 为何中国民众却纷纷提前偿还房贷
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中国商业银行去年纷纷下调利率以促进放贷并提振低迷的房地产市场,但结果却意外掀起了一波提前还房贷潮。据美国《华尔街日报》报道,这种行为有些不合常理,背后原因主要是中国民众对经济前景和未来收入的担忧,及缺乏高收益的投资选项。
报道指出,许多曾在新冠疫情期间增加了储蓄的中国家庭正在去杠杆,即选择偿还债务。高盛研究部门分析师最近估计,大约有7,000亿美元的房贷可能会提前偿还。这相当于去年中国房贷总余额的12%左右。
报道说,自去年夏天以来,中国业主偿还房贷的速度较过去几年明显加快,对银行的盈利能力构成拖累。国内银行平均房贷利率下降,这意味着很多早先贷款的房主房贷利率被锁定在较高水平,这对很多人来说难以接受。同时,中国银保监会已表示,个人使用其他类型的消费贷款或商业贷款来偿还房贷是非法的,并指示银行要努力缓解在处理提前还贷请求过程中遇到的瓶颈。
澳新银行(ANZ)的高级中国经济学家王蕊(Betty
Wang)说,在中国最需要信心来提振消费与经济的时刻,导致人们提前还房贷的这种不确定感,可能会对提振消费构成重大挑战。
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