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《大行報告》大和:買家集體拒還房貸 極端情況隻影響內銀短期盈利能力
近日多間傳媒報道,內地多個城市的爛尾樓業主「停貸斷供」。大和發表報告指,會將項目停工的內地發展商主要有兩類,其一爲流動性緊張,此類發展商會暫停所有工程,其二是因爲流動性有限,有關發展商會暫停部分項目。目前,該行認爲較發達城市的項目或會受到較小的影響,主因對預售批準及工程融資賬戶的監管更加嚴格,加上前景較佳的項目更大可能被接收。 大和表示,雖然近期的個案引起關注,但並不認爲受影響項目的所有買家都會隨波逐流,因暫停償還房貸將在官方信用系統中留下負面記錄,導致工作及生活等方面出現困難。據該行了解,一旦項目恢復施工,買家將重新開始償還按揭,以防止信用數據出現負面影響。 另外,該行對多間銀行的調查發現,有關事件的實際影響較公衆預期小,即使在極端情況下,估計銀行的盈利亦可能只有短期影響。
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