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多家银行回应存量房贷利率下调:需考虑诸多因素,已制定预案
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对于备受关注的存量房贷利率,各家银行准备得如何?落地实施会对银行有何影响?随着半年报陆续披露,各家银行在中期业绩会上给出了回应。多家银行高管表示,已经制定了相应的预案。同时,实际操作需要考虑各区域、各城市的差异性以及利率调整力度等诸多因素。存量房贷利率的下调或对净息差带来压力。
招行:下调是势在必行,已制定相应预案
招行行长助理彭家文近日在该行中期业绩交流会上表示:“从央行的发声来看,从‘鼓励和支持’直接变成了‘指导’,我判断存量房贷利率下调也是势在必行,是大概率事件。目前来看我们已经制定了相应的预案。我们总体分了三种情景来测算:乐观情景、中性情景和不利情景。从测算的结果来看总体还是可控的,应该还在我们的掌握之中。”
他同时表示,还没有最终的方案,主要考虑是现在有很多因素需要兼顾好。比如如何兼顾好因城施策的问题,在因城施策的同时又怎么考虑好公平性的问题,还有银行系统能不能支持的问题。这些都特别复杂,各个城市、各个分行不一样,很多客户的情况不一样,都要考虑到。总体来看招行会在央行的指导下按照市场化、法治化的原则稳妥地推进实施。