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bgcolor="F1F3F7" valign="top"> <div align="left" id="Content" style="width: 100%"> <table border="0" cellpadding="0" cellspacing="4" class="12v" width="100%"> <tr> <td align="right"> <a class="12v" href="#" onclick="Zoom.style.fontSize='20px';"><span style="font-size: 12px; line-height: 170%">【放大字體】</span></a> <a class="12v" href="#" onclick="Zoom.style.fontSize='12px';"><span style="font-size: 12px; line-height: 170%">【縮小字體】</span></a></td> </tr> </table> <table align="center" border="0" cellpadding="0" cellspacing="0" class="20v" height="56" width="95%"> <tr> <td> <div align="center"><b><font color="#000066">上海三銀行房貸細則出爐多套購房貸款將受?chē)揽?/font></b> </div> </td> </tr> </table> <hr align="center" noshade="" size="1" width="95%"/> <table align="center" border="0" cellpadding="0" cellspacing="0" class="12v" height="30" width="95%"> <tr> <td valign="top"> <div align="center">2006年06月23日 11:02</div> </td> </tr> </table> <table align="center" border="0" cellpadding="0" cellspacing="0" class="14-1v" width="85%"> <tr> <td> <div align="center"> <br/><img src="http://image1.chinanews.com.cn/06p/PhotoN/060618/060618198a_3.jpg"/><p align="left"> 近日，滬上工行、中行、民生三家銀行的個(gè)人住房貸款新細則出臺。中新社發(fā) 徐勁柏攝</p> <table border="0" cellpadding="3" cellspacing="0" class="12v" width="100%"><tr><td width="77%"><table border="0" cellpadding="5" cellspacing="2" width="100%"><tr><td bgcolor="E4EEFC" class="12v"><font color="#FF6600"><b>版權聲明:</b></font><font color="#666666">凡標注有“cnsphoto”字樣的圖片版權均屬中國新聞網(wǎng)，未經(jīng)書(shū)面授權，不得轉載使用。</font></td></tr></table></td></tr></table> </div> </td> </tr> </table> <table align="center" border="0" cellpadding="0" cellspacing="0" class="12v" width="95%"> <tr> <td valign="top"> <font id="Zoom" style="FONT-SIZE: 16px;line-height: 150%"><p>　　中新網(wǎng)6月23日電據《新聞晨報》報道，近日，滬上工行、中行、民生三家銀行的個(gè)人住房貸款新細則出臺。各行除了嚴格執行自住型房屋貸款、建筑面積90平方米以下首付兩成，90平方米以上首付三成以上的規定之外，新細則中最明顯的共同點(diǎn)體現在“對多套購房貸款的嚴格控制”。<object align="left" classid="clsid:D27CDB6E-AE6D-11cf-96B8-444553540000" codebase="http:///pub/shockwave/cabs/flash/swflash.cab#version=5,0,0,0" height="250" width="350"> <param name="movie" value="/fileftp/2006/06/2006-06-21/U88P4T47D3309F969DT20060621173452.swf"/> <param name="quality" value="high"/> <param name="SCALE" value="exactfit"/> <embed height="250" scale="exactfit" src="/fileftp/2006/06/2006-06-21/U88P4T47D3309F969DT20060621173452.swf" width="350"/> </object></p> <p>　　據中行相關(guān)支行營(yíng)業(yè)部工作人員介紹，個(gè)人客戶(hù)在申請第一套或第二套住房面積在90平方米以上的貸款時(shí)，最高可貸7成，第三、第四套依次遞減10%的貸款成數，即第三套6成，第四套5成。而工行、民生對第一套住房貸款最高可放貸7成，對第二、第三套住房貸款的成數則以每套5%遞減。</p> <p>　　值得注意的是，三家銀行對三套以上購房者的貸款需求均有嚴格的限制。中行對已是第四套的住房貸款，將在6.39%的利率標準上進(jìn)行上浮，對在個(gè)人征信系統中有5套以上(包括5套)貸款記錄的客戶(hù)，銀行將不予放貸。中行工作人員表示，這樣的細則是為了防止投機性的購房行動(dòng)。</p> <p>　　工商銀行對多套購房者更加嚴格，當個(gè)人申請第四套住房貸款時(shí)，工行就開(kāi)始停止放貸。</p> <p>　　民生銀行對多套住房貸款的規定有所不同。對在個(gè)人征信系統中已有三套購房記錄的個(gè)人客戶(hù)，銀行一律按5成放貸。不僅如此，民生銀行也在利率方面對多套住房貸款進(jìn)行限制。個(gè)人申請第一、第二套住房貸款，銀行可以給予下調10%的利率優(yōu)惠，而對于第四套或第四套之后的住房，銀行則會(huì )將利率在目前6.39%的標準上再上調10%。</p> <p>　　此外，三家銀行均表示，非上海戶(hù)籍的外地人購房貸款時(shí)，必須出具在本市工作生活的相關(guān)證明文件，如果無(wú)法證明穩定的收入來(lái)源，銀行將拒絕放貸。而具備暫住證或人才居住證的外地人，在申請貸款時(shí)，如果是首次置業(yè)且房屋面積在90平方米以下的，則可以首付2成。（李強潘婷婷）</p> </font></td> </tr> </table> </div> <div align="left"> <table align="center" border="0" cellpadding="0" cellspacing="0" height="43" width="95%"> <tr> <td> </td> <td align="right" class="14v"> <table border="0" cellpadding="0" cellspacing="0" width="130"> <tr> <td colspan="2" height="15"><span style="font-size: 12px">【<font color="CC0000">編輯:</font>王菲】</span></td> </tr> </table> </td> </tr> </table> <table align="center" border="0" cellpadding="0" cellspacing="0" class="14-1v" width="95%"> <tr> <td class="12v" colspan="2"><span style="font-size: 12px; line-height: 170%"><font color="#FF0000"><table align="center" bgcolor="8EAEEF" border="0" cellpadding="0" cellspacing="1" class="14-1v" width="95%"> <tr bgcolor="#F1F1F1"> <td bgcolor="#8EAEEF" class="12v"><font color="#FF0000"><b><font color="#FFFFFF">:::相關(guān) 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