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text-align: left;"><span style="text-indent: 2em; font-family: inherit; line-height: 1.6;">北京房贷进一步收紧后……</span><br/></p><p style="text-indent: 2em; text-align: left;">春节刚过完，银行便再度对北京的房贷政策“下手”。在去年“9·30”政策之后，近日北京地区各家银行普遍将二套房贷款最高年限调低，且多家银行已经开始执行。</p><p style="text-indent: 2em; text-align: left;"><strong>30年缩至25年</strong></p><p style="text-indent: 2em; text-align: left;"><strong>二套房贷款年限收缩</strong></p><p style="text-indent: 2em; text-align: left;">“现在银行二套房贷款的最长年限，已经都从30年缩短到了25年?！闭猩桃斜本┓中械墓ぷ魅嗽毕虮本┏勘钦弑硎?，新规是从本周三刚刚开始执行。</p><p style="text-indent: 2em; text-align: left;">昨日，记者走访多家北京地区的银行发现，交通银行、兴业银行、广发银行等多家银行均已将二套房贷的最长年限，缩短至25年，但二套房贷款利率，仍普遍维持在基准利率上浮1.1倍的水平上。</p><p style="text-indent: 2em; text-align: left;">对于银行集体缩短二套房贷款年限，一位银行内部人士透露，这源于前几日银行业自律协会对各家银行下发了一份内部通知，该通知要求各家成员银行将二套房贷的最长期限缩短至25年。</p><p style="text-indent: 2em; text-align: left;">在伟嘉安捷企划经理吴昊看来，该政策对于二套房贷款所产生的实际影响只能算得上是“不痛不痒”，但对于市场的心理预期影响较大。</p><p style="text-indent: 2em; text-align: left;">“从30年缩短至25年，每个月大概只多还款几百元，但总体算下来贷款人应还利息则会相应减少?！蔽怅槐硎荆谑导什僮鞴悍恐?，二套房购买者大多不会将资金贷款到30年，且提前还款者较多。</p><p style="text-indent: 2em; text-align: left;">实际上，银行理论上房屋贷款期限最长为30年，但也因人而异、因房而异。一位银行人士向北京晨报记者介绍，房龄越高，按揭贷款的期限就会越短。以房龄30年以上的二手房为例，银行普遍不做按揭贷款，但也根据房屋地段及价值各有所异。而贷款人的年龄也是影响商业按揭贷款期限长短的重要因素，50周岁以上的贷款人贷款期限普遍只有10年左右，不少银行不接受65岁以上的房屋按揭贷款人。</p> </div> <p class="Editor">编辑：梁霄 </p> <div id="i2i2jyu4k" class="Paging"> <a href="/c/2017-02-10/1332436.shtml" class="a">01</a> <a href="/c/2017-02-10/1332436_1.shtml">02</a> <a href="/c/2017-02-10/1332436_2.shtml">03</a>  </div> <p class="Keyword">关键词：北京首套利率</p> <h1 class="pv_title_2 mt_15"><a target="_blank" class="more mtb_14">更多</a><span id="i2i2jyu4k" class="t" id="a3"><a ><img src="http://www.rmzxb.com.cn/images/xg_t1.jpg" /></a></span></h1> <div id="i2i2jyu4k" class="pa_0_5_0_10"> <ul class="Related_ul bh_150"> <li><a target="_blank" href="/c/2017-02-09/1331318.shtml">北京上海今年各增5万套保障房严禁投机炒房</a></li> <li><a target="_blank" href="/c/2016-12-30/1254092.shtml">2016北上深买房记：在价格最高的市场“买白菜”</a></li> </ul> </div> <div style="height:40px"></div>  <div id="i2i2jyu4k" class="advContent"><div style="height:40px"></div><script charset="gbk" src="http://p.tanx.com/ex?i=mm_58500226_6900940_24396084"></script></div>  <h1 class="pv_title_2 mt_55"><a target="_blank" class="more mtb_14">更多</a><span id="i2i2jyu4k" class="t" id="a4"><a ><img src="http://www.rmzxb.com.cn/images/sp_t2.jpg" /></a></span></h1> <div id="i2i2jyu4k" class="pa_0_5_0_10"> <ul class="ul2 bh_304"> <li><a href="/c/2019-01-30/2275930.shtml" title="国博举办新年迎春书画展" target="_blank"><img src="/upload/resources/image/2019/01/30/2246027_150x101c.jpg" alt="国博举办新年迎春书画展" /><ins>国博举办新年迎春书画展</ins></a></li> <li><a href="/c/2019-01-30/2275923.shtml" title="英国议会下院将对“脱欧”协议替代方案进行辩论" target="_blank"><img src="/upload/resources/image/2019/01/30/2246024_150x101c.jpg" alt="英国议会下院将对“脱欧”协议替代方案进行辩论" /><ins>英国议会下院将对“脱欧”协议替代方案进行辩论</ins></a></li> <li><a href="/c/2019-01-30/2275913.shtml" title="大熊猫宝宝迎新春" target="_blank"><img src="/upload/resources/image/2019/01/30/2246017_150x101c.jpg" alt="大熊猫宝宝迎新春" /><ins>大熊猫宝宝迎新春</ins></a></li> <li><a href="/c/2019-01-30/2275899.shtml" title="“中国红”海外闪烁庆春节年味正浓" target="_blank"><img src="/upload/resources/image/2019/01/30/2246009_150x101c.jpg" alt="“中国红”海外闪烁庆春节年味正浓" /><ins>“中国红”海外闪烁庆春节年味正浓</ins></a></li> <li><a href="/c/2019-01-30/2275885.shtml" title="日本东京：寒冬时节赏“繁花”" target="_blank"><img src="/upload/resources/image/2019/01/30/2246019_150x101c.jpg" alt="日本东京：寒冬时节赏“繁花”" /><ins>日本东京：寒冬时节赏“繁花”</ins></a></li> <li><a href="/c/2019-01-29/2275148.shtml" title="故宫完成珍宝馆二期改陈即将对公众开放" target="_blank"><img src="/upload/resources/image/2019/01/30/2245738_150x101c.jpg" alt="故宫完成珍宝馆二期改陈即将对公众开放" /><ins>故宫完成珍宝馆二期改陈即将对公众开放</ins></a></li> <li><a href="/c/2019-01-29/2273857.shtml" title="2019西安城墙新春灯会亮灯" target="_blank"><img src="/upload/resources/image/2019/01/29/2245080_150x101c.jpg" alt="2019西安城墙新春灯会亮灯" /><ins>2019西安城墙新春灯会亮灯</ins></a></li> <li><a href="/c/2019-01-29/2273760.shtml" title="走进第64届布鲁塞尔古董艺术博览会" target="_blank"><img src="/upload/resources/image/2019/01/29/2245013_150x101c.jpg" alt="走进第64届布鲁塞尔古董艺术博览会" /><ins>走进第64届布鲁塞尔古董艺术博览会</ins></a></li> </ul> </div>  <div id="i2i2jyu4k" class="advContent"><div align="center"><script type="text/javascript">var cpro_id = "u1693387";</script><script src="http://cpro.baidustatic.com/cpro/ui/c.js" type="text/javascript"></script></div></div>  </div> </div> <div id="i2i2jyu4k" class="bw_250 fr">  <div id="i2i2jyu4k" class="advContent"><div style="height:255;"><script charset="gbk" src="http://p.tanx.com/ex?i=mm_58500226_6900940_48216291"></script></div></div>  <h1 class="pv_title_2 mt_15"><a class="more mtb_14">更多</a><span id="i2i2jyu4k" class="t" id="a2"><a ><img src="http://www.rmzxb.com.cn/images/pl_t6.jpg" /></a></span></h1> <div id="i2i2jyu4k" class="pa_0_15 bh_293"> <ul class="political_ul3"> </ul> </div> <div id="i2i2jyu4k" class="box1">  <div style="width:240px;height:345px;"><script src="http://mobile.rmzxb.com.cn/api/dzbCache.php"></script></div> </div>  <div id="i2i2jyu4k" class="advContent"><div style="height:255;"><script charset="gbk" src="http://p.tanx.com/ex?i=mm_58500226_6900940_24394056"></script></div></div>  <div> <div id="i2i2jyu4k" class="bw_250 bh_385 fr bg_f6f6f6"> <ul id="menu2"> <li onMouseOver="setTab(2,0)"><a href="javascript:" class="hover">微博</a></li> <li onMouseOver="setTab(2,1)"><a href="javascript:" >博客</a></li> </ul> <div id="i2i2jyu4k" class="main2 bd_t" id="main2"> <ul> <li> <div class="i2i2jyu4k" id="sliderbox3" class="sliderbox_box"> <div id="i2i2jyu4k" class="sliderbox" style="display:block; 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