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·首页 > 房产新闻 > 购房者:学会规避风险

购房者:学会规避风险

更新时间:2006-07-18 00:00:00 - 来源:建湖房产信息网 点击数:30972 >> 我要发表评论
      针对目前高速增长的个人住房贷款,有关专业人士认为,按揭还贷风险加大不是危言耸听,购房者应学会提前预防将会出现的按揭风险。
  
  首先,要考虑长期利率变化风险,在自己有还款能力的情况下,首付不宜过低,按揭期限不宜过长。有人认为按揭首付越低越好,按揭期限越长越好,于是以为目前的首付二成30年按揭的最低限贷款,但不知浮动利率不仅能带来降息,也可能上升。住房贷款是目前商业银行个人消费贷款品种中期限最长的一种,最长还款期限可达30年。如果在还款期内遭遇利率上升,借款人必须随之支付更多的贷款利息,势必会增加还款压力,进而影响到生活质量。
  
  其次,按揭贷款要给生活变化留有余地,不要做超出自己能力的按揭行为。采用按揭购房的消费者应该保持清醒头脑,也不宜因降息而高估个人的贷款购房的能力,须知在今后漫长的生活旅途中有许多事情是现在无法预料的。此外,另一个重要因素是收入增长预期,避免因贷款前高估未来几年的收入能力,而导致遭遇升息后还款越来越累。
  
  此外,银行的正确引导消费和还款计划十分重要。从趋势上看,住房贷款申请面的扩大,以及出现利率调高,都可能使个人住房贷款不良率上升。若适时推出利率风险防范手段,对商业银行和贷款者都是双赢。对支付能力允许的贷款者,如果预期利率上涨,可引导其采用尽可能多提前偿还本金的方式,减轻多支付利息造成的损失。

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