一分钟看懂 贷款买房现在是不是一个好时机

金投网  2016-04-05 09:51

[摘要] 据中国社会调查事务所进行的一项调查根据调查，31.6％的人有贷款购房的意向，而贷款项目首推住房公积金。

据中国社会调查事务所进行的一项调查数据显示，31.6％的人有贷款购房的意向，而贷款项目首推住房公积金。

住房改革扩大了个人住房贷款规模，改进了个人住房贷款担保形式，发展了住房公积金贷款与商业性贷款的组合贷款业务，这些都在增强人们的贷款决心。如今的焦点就集中在贷款买房到底值不值这个问题上。

商业银行按揭贷款，一些把按揭购房视为解决暂时资金困难的无奈之选择，认为欠钱时间越短越好，热衷于选择10年期以下的按揭。从另一角度看，这实际上体现了中国人“借钱花不踏实的心理因素。

那从长远考虑现在贷款买房究竟怎么样呢，小编认为选择中长期按揭更加合算，作为家庭理财手段，支付一个比较低的购房首付款，延缓余款的缴付日期，其实等同于投资行为中用一笔小资金控制了一个大项目，如果赶上房价飚升，等于给贷款者创造了一笔额外利润；如果再把通货膨胀的因素算进去，货币逐步贬值，虽然所需偿付的本金没有变化，实际上，本金的“含金量”已大大降低，还款实际压力减少。

如果按揭购房是以投资置业为目的的人士，当租金价位高于银行按揭还款额，通过以租养楼的方式也是一种很稳定的投资渠道。人们正在抛弃传统的消费方式，树立适当的借贷观。

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invert;PADDING-RIGHT: 0px"> 户型图RDER-: 0px;BORDER-RIGHT: 0px;BORDER-BOTTOM: 0px;OUTLINE-WIDTH: medium;PADDING-BOTTOM: 0px;PADDING-: 0px;OUTLINE-STYLE: none;PADDING-LEFT: 0px;MARGIN: 0px;BORDER-LEFT: 0px;OUTLINE-COLOR: invert;PADDING-RIGHT: 0px"> 论坛)RD-SPACING: 0px;TEXT-TRANSFORM: none;FLOAT: none;COLOR: rgb(51,51,51);FONT: 14px/26px Arial, 宋体, SimSun, HELVETICA, 'Hiragino Sans GB';WIDOWS: 1;DISPLAY: inline !important;LETTER-SPACING: normal;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 28px;-webkit-text-stroke-width: 0px"> 、广安明发国际广场(价格RDER-: 0px;BORDER-RIGHT: 0px;BORDER-BOTTOM: 0px;OUTLINE-WIDTH: medium;PADDING-BOTTOM: 0px;PADDING-: 0px;OUTLINE-STYLE: none;PADDING-LEFT: 0px;MARGIN: 0px;BORDER-LEFT: 0px;OUTLINE-COLOR: invert;PADDING-RIGHT: 0px"> 动态RDER-: 0px;BORDER-RIGHT: 0px;BORDER-BOTTOM: 0px;OUTLINE-WIDTH: medium;PADDING-BOTTOM: 0px;PADDING-: 0px;OUTLINE-STYLE: none;PADDING-LEFT: 0px;MARGIN: 0px;BORDER-LEFT: 0px;OUTLINE-COLOR: invert;PADDING-RIGHT: 0px"> 户型图RDER-: 0px;BORDER-RIGHT: 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