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onclick="javascript:CancelProvince();">泰州</a> </td> </tr> <tr> <td class="ke_0a"> </td> <td class="ke_0b"> </td> <td class="ke_03"> N </td> <td class="ke_0d"> </td> <td class="ke_05"> W </td> </tr> <tr> <td class="ke_0a"> </td> <td class="ke_02"> H </td> <td class="ke_0c"> </td> <td class="ke_0d"> </td> <td class="ke_0e"> </td> </tr> <tr> <td class="ke_0a"> </td> <td class="ke_0b"> </td> <td class="ke_0c"> </td> <td class="ke_0d"> <a href="javascript:void(0)" onclick="javascript:CancelProvince();">石家?/a> </td> <td class="ke_0d"> <a href="javascript:void(0)" onclick="javascript:CancelProvince();">乌鲁木齐</a> </td> </tr> <tr> <td class="ke_0a"> </td> <td class="ke_0b"> </td> <td class="ke_0e"> <a href="javascript:ChangeProvince('')" onclick="javascript:CancelProvince();"><span class="ke_05">X</span></a> </td> </tr> <tr> <td class="ke_0a"> <span class="ke_05">Y</span> </td> <td class="ke_0b"> </td> <td class="ke_0c"> </td> <td class="ke_04"> Z </td> <td class="ke_0e"> </td> </tr> <tr> <td class="ke_0a"> <a href="javascript:void(0)" onclick="javascript:CancelProvince();">银川</a> </td> <td class="ke_0b"> </td> <td class="ke_0c">   </td> <td class="ke_0d"> <a href="javascript:void(0)" onclick="javascript:CancelProvince();">郑州</a> </td> <td class="ke_0e"> </td> </tr> <tr> <td class="ke_0f"> <a href="javascript:void(0)" onclick="javascript:CancelProvince()" id="CancelList">取消</a> </td> <td class="ke_0b"> <a href="javascript:void(0)"></a> </td> <td class="ke_0c">   </td> <td class="ke_0d">   </td> <td class="ke_0e">   </td> </tr> </table> </div> </div> <div class="LOGO_mid" style="padding-left: 20px;"> <div class="LOGO_mid_up"> <span><a class="er_shou_2" target="_blank" href="/NewHouse/NewHouse_Index/">新房</a></span> <span>|</span> <span><a class="er_shou_2" target="_blank" href="/SecondHandHouse/UsedMainPage/"> 二手?/a></span> <span>|</span> <span><a class="er_shou_2" target="_blank" href="/RentHouse/IndexRent_Index/"> 租房</a></span> <span>|</span> <span><a class="er_shou_2" target="_blank" href="/Desinger/Index/"> 装修设计</a></span> <span>|</span> <span><a class="er_shou_2" target="_blank" href="/HomeStore/Index/"> 家居商城</a></span> <span>|</span> <span></span> <span>|</span> <span><a class="er_shou_2" href="javascript:void(0)">更多</a></span> </div> <!-- 引用赋?开? --> <input id="pcode" value="100" name="pcode" type="text" style=" display:none;" /> <!-- 引用赋?开? --> <div id="search_top"> <div class="LOGO_mid_dow"> <span id="area_input"><span class="qu_xian"><a id="area_content" class="qu" onclick="displayArea()" href="javascript:void(0)">区县/地铁</a></span> <span class="qu_xian2"><a id="area_content" class="qu" onclick="displayArea()" href="javascript:void(0)"> <img border="0" style="padding-bottom: 14px" src="../../Images/Rentimg/xiaxia.jpg"></a></span> </span><span class="qu_xian3" style="padding-left: 0px;">|</span> <span id="flat_input"> <span class="qu_xian"><a id="flat_content" class="qu" onclick="displayFlat()" href="javascript:void(0)"> 物业类型</a></span> <span class="qu_xian4a"><a id="flat_content" class="qu" onclick="displayFlat()" href="javascript:void(0)"> <img border="0" style="padding-bottom: 14px" src="../../Images/Rentimg/xiaxia.jpg"></a></span> </span><span class="qu_xian3" style="padding-left: 0px;">|</span> <span id="price_input"> <span class="qu_xian"><a id="price_content" class="qu" onclick="displayPrice()" href="javascript:void(0)"> 价格范围</a></span> <span class="qu_xian4a"><a id="price_content" class="qu" onclick="displayPrice()" href="javascript:void(0)"> <img border="0" style="padding-bottom: 14px" src="../../Images/Rentimg/xiaxia.jpg"></a></span> </span> <script type="text/javascript"> function SearchOnFocus() { $("#search_key").val(""); } function SearchOnBlur() { var content = $("#search_key").val(); if (content.length > 0) { } else { $("#search_key").val("输入关键?楼盘?地名?"); } } function setflat(str) { $("#flat_content").html(str); $("#flat_input_detail").css({ display: "none" }); } </script> <span class="qu_lou2" style="padding-left: 20px;"> <input id="search_key" style="width: 200px; height: 20px; border: 0px; font-size: 14px; color: Gray;" type="text" name="" value="输入关键?楼盘?地名?" onfocus="SearchOnFocus()" onblur="SearchOnBlur()" /></span> </div> <div id="area_position"> <input id="searchMark" type="text" value="0" style="display: none" /> </div> <div id="area_input_detail" class="bei_cen" style="display: none; position: absolute; z-index: 2; background-color: white;"> <script type="text/javascript"> GetAreaDownList(); </script> </div> <div id="flat_input_detail" class="bei_cen2" style="display: none; position: absolute; z-index: 2; background-color: white; margin-top: -12px;"> <p class="qn_qu_unlimited"> <a style="color: #fd7b00; text-decoration: none" onclick="setflat('不 ?)" href="javascript:void(0)"> ??/a></p> <p class="zhai_zhu"> <a onclick="setflat('住宅')" href="javascript:void(0)">住宅</a></p> <p class="zhai_zhu"> <a onclick="setflat('别墅')" href="javascript:void(0)">别墅</a></p> <p class="zhai_zhu"> <a onclick="setflat('写字?)" href="javascript:void(0)">写字?/a></p> <p class="zhai_zhu"> <a onclick="setflat('商铺')" href="javascript:void(0)">商铺</a></p> </div> <div id="price_input_detail" class="bei_cen3" style="display: none; position: absolute; z-index: 2; background-color: white; margin-top: -12px;"> <p class="qn_qu_unlimited"> <a style="color: #fd7b00; text-decoration: none" onclick="setPrice('不 ?)" href="javascript:void(0)"> ??/a></p> <p class="qn_qu"> 单价(元/平米?/p> <p class="bu_zhu"> <a onclick="setPrice('全部')" href="javascript:void(0)">全部</a></p> <p class="bu_zhu"> <a onclick="setPrice('10000以下')" href="javascript:void(0)">10000以下</a></p> <p class="bu_zhu"> <a onclick="setPrice('10000-15000?)" href="javascript:void(0)">10000-15000?/a></p> <p class="bu_zhu"> <a onclick="setPrice('15000-20000?)" href="javascript:void(0)">15000-20000?/a></p> <p class="bu_zhu"> <a onclick="setPrice('20000-30000?)" href="javascript:void(0)">20000-30000?/a></p> <p class="bu_zhu"> <a onclick="setPrice('30000-40000?)" href="javascript:void(0)">30000-40000?/a></p> <p class="bu_zhu"> <a onclick="setPrice('40000以上')" href="javascript:void(0)">40000以上</a></p> </div> </div> </div> <div class="LOGO_mid2"> <a id="TopSearchBtn" href="javascript:void(0)">搜索</a></div> <script type="text/javascript"> $("#TopSearchBtn").click(function () { /*初始化数据参?/ var citycode = ""; var wuye = ""; var jiage = ""; var jiage1 = ""; var jushi = ""; var guanjianzi = ""; /*获取?/ var con1 = $("#area_content:first").html(); var con2 = $("#flat_content:first").html(); var con3 = $("#price_content:first").html(); var con4 = $("#search_key").attr("value"); var pcode = $("#pcode").val(); /*参数设置*/ /*区域获取*/ if (con1 != "" || con1 != null || con1 != "区县/地铁") { citycode = GetCityNum(con1, pcode); } /*物业类型*/ if (con2 != "" || con2 != null) { if (con2 == "住宅") { wuye = "type=1"; /*/NewHouse/NewHouse_Search*/ } else if (con2 == "物业类型") { wuye = "type=0"; } else if (con2 == "别墅") { wuye = "type=3"; } else if (con2 == "写字?) { wuye = "type=4"; } else if (con2 == "商铺") { wuye = "type=5"; } } /*价格*/ if (con3 != "" || con3 != null || con3 != "价格范围") { if (con3 == "全部") { jiage = "0"; } else if (con3 == "10000以下") { jiage = "1"; } else if (con3 == "10000-15000?) { jiage = "2"; } else if (con3 == "15000-20000?) { jiage = "3"; } else if (con3 == "20000-30000?) { jiage = "4"; } else if (con3 == "30000-40000?) { jiage = "5"; } else if (con3 == "40000以上") { jiage = "6"; } } /*关键?/ if (con4 != "" || con4 != null || con4 != "输入关键?楼盘?地名?") { guanjianzi = con4; } var urlstring = "/NewHouse/NewHouse_Search"; if (citycode.length > 0) { urlstring += "?city=" + citycode; } if (wuye.length > 0) { if (urlstring.indexOf("?") > 0) { urlstring += "&" + wuye; } else { urlstring += "?" + wuye; } } if (jiage.length > 0) { if (urlstring.indexOf("?") > 0) { urlstring += "&price=" + jiage; } else { urlstring += "?price=" + jiage; } } if (guanjianzi.length > 0 && guanjianzi != "输入关键?楼盘?地名?") { $.post("/RentSearch/GetChineseCode", { dataValue: guanjianzi }, function (data) { if (urlstring.indexOf("?") > 0) { urlstring += "&keywords=" + data; } else { urlstring += "?keywords=" + data; } document.location.href = urlstring; }); } else { document.location.href = urlstring; } }); </script> <div class="LOGO_right"> <p class="fa_bu"> <img src="../../Images/Rentimg/hu1.gif" alt="" /> <span>发布</span>:<a href="/UserRegister/Login/" target="_blank">出租</a> | <a href="/UserRegister/Login/" target="_blank">求租</a></p> <p class="fa_bu"> <img src="../../Images/Rentimg/hu1.gif" alt="" /> <span>发布</span>:<a href="/UserRegister/Login/" target="_blank">出售</a> | <a href="/UserRegister/Login/" target="_blank">求购</a></p> </div> </div> <!--LOGO_box --> <div class="nav_box"> <div class="xin_A"> <a href="/NewHouse/NewHouse_Index/" target="_blank"></a> </div> <div class="xin_B"> <p class="bie_zi"> <a class="yue_A" href="/NewHouse/NewHouse_Search/?type=1" target="_blank">公寓</a> <a class="yue_B" href="/NewVilla/Index/" target="_blank">别墅豪宅</a> <a class="yue_C" href="/NewHouse/NewHouse_Search/?type=4" target="_blank">???/a> </p> <p class="bie_zi"> <a class="yue_A" href="/NewHouse/NewHouse_Search/?type=5" target="_blank">商铺</a> <a class="yue_F" href="javascript:void(0)">开 ??/a> <a class="yue_G" href="javascript:void(0)"> 房产物业</a> </p> </div> <div class="xin_C"> <p class="er_up"> <a href="/SecondHandHouse/UsedMainPage/" target="_blank"></a> </p> <p class="er_dow"> <a href="/RentHouse/IndexRent_Index/" target="_blank"></a> </p> </div> <div class="xin_D"> <p class="bie_zi2"> <a class="yue_A" href="/RealestateShop/RealEstateShop/" target="_blank">房产网店</a> <a class="yue_F" href="/SecondHandHouse/UsedIndividualResource/" target="_blank">个人出售</a> <a class="yue_H" href="/SecondHandHouse/TotalUsedResource/" target="_blank">最新二手房</a> </p> <p class="bie_zi2"> <a class="yue_A2" href="/RealestateShop/BrokerLink/" target="_blank">???/a> <a class="yue_F2" href="/RentHouse/IndexRent_PerHouse/" 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class="hai_left"> <script language="javascript" type="text/javascript"> var returnvalue = ""; var provinceCode = $("#Province").val(); for (i = 0; i < ChangeCity.length; i++) { if (i < 18) { if (ChangeCity[i][4] == provinceCode) { returnvalue += "<a class=\"hai_1\" href=\"javascript:ChangeProvince('" + ChangeCity[i][2] + "')\">" + ChangeCity[i][4] + "</a>·"; } else { returnvalue += " <a class=\"hai_2\" href=\"javascript:ChangeProvince('" + ChangeCity[i][2] + "')\">" + ChangeCity[i][4] + "</a>·"; } } } returnvalue += "<a class=\"hai_2\" href=\"javascript:displayProvince()\">[更多城市]</a>"; //此处需要细? document.write(returnvalue); </script> </div> <div class="hai_you"> <span class="hai_right"> <img src="../../Images/Rentimg/weituo.gif"></span> <span class="hai_right2"><a href="/UserRegister/Login/" target="_blank">委托出租</a> | <a href="/UserRegister/Login/" target="_blank">委托出售</a></span> </div> </div> <script language="javascript" type="text/javascript"> $(document).ready(function () { var url 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<p>据央视财经报道,近日有购房者向记者透露,自己购于南京的商品房在某股份制银行申请住房贷款时,获批的利率是在基准利率的基础上上?0%,且首付高达五成。更令人意外的是,据购房者介绍,该商品房为其名下的首套房?/p><p>报道称,对于很多城市来说,首套房贷款利率政策已经?ldquo;折扣?rdquo;调整?ldquo;加价”。近期,多地传出银行继续上浮房贷利率的消息,有多个重点城市首套房贷款利率按照基准利率上浮5%~10%作为“起步?rdquo;,市场上甚至也出现了像上述首套房贷款利率较基准利率上?0%的现象?/p><p>应该说,利率市场化是我国一个大的趋势。在流动性趋紧、银行资金成本上升的情况下,由市场调节利润是一个正常的商业行为。但住宅利率市场并不是一个完全市场化的行为?/p><p>笔者认为,银行将首套房利率上浮10%~30%,这有违中央制定?ldquo;满足住的需?rdquo;的房地产调控精神,或出现误伤刚需市场等背离公共利益的情况发生?/p><p>应该说,利率是影响房价变化的一个重要外生变量之一,利率的微小变动,有可能导致房地产价格的剧烈波动?/p><p>一般来说,房地产价格与利率呈现负相?关系,即利率上升,房地产价格会下降;利率下降,房价会上升。利率除了直接作用于房地产开发成本以外,还通过以下三个方面影响房价:一是利率下降时,各?押贷款将大规模进入房地产市场;二是从住房消费来看,其成本主要是银?押贷款的利息;三是房地产价值是预期未来收益的现值之和,折现率与房地产价值成负相关,而与利率成正相关?/p><p>利率是调控房地产市场的一个重要手段。此次以遏制房地产价格疯涨为目的的房地产调控,提高利率、增加购房者成本也成为一个重要房地产政策选项。银行的房地产贷款利率很快从“打折”转向上浮,尤其是对多套住房者。应该说这是符合经济学规律的?/p><p>但需要指出的是,此轮房地产调控并?ldquo;一 刀?rdquo;,而是以满?ldquo;住的需?rdquo;为主,同时要打击“炒的需?rdquo;。这样的政策出发点也是中央调控房地产的指导精神,因此,我们可以看到,所有的信贷政策对于首套房都应当?ldquo;保障”思维,包括贷款比例、利率。因为首套房更接近于民生中的“安居”需求?/p><p>“房子是用来住的,不是用来炒的”,这里面指出了房地产住房市场两种不同的需求市场:一是以居住等利用为目的的消费性需求;二是?资及理财等需求,相对消费性房地产需求而言??资需求对个体、社会存在一定的风险。房地产投机?ldquo;炒的”)是房地产投 资的一种特殊形式,常常给房地产带来一定的消极作用。但“住的需?rdquo;对持续健康的房地产市场没有危害,应该不在此次“打击范围”,而是?ldquo;满足”范围?/p><p>有人测算过,如果首套房贷利率上调,会给初次购房者带来一笔巨额利息负担?ldquo;平说财经”自媒体一篇文 章算过一笔账:以2016?0月之前的政策,同样是300万元贷款,首套住房最低为八五折利率,二套住房为基准利率的1.1倍计算,?0年等额还清的情况下,前者支付的利息约为226万元,后者约?06万元,多?0万元。若是上?0%~30%,至少给初次购房者增加上百万元的利息负担,这也有违社会公平?/p><p>初次购房者实际上体现着一个庞大的中间人群住房需求,这部分人的住房需求不可能都由政府以共有产权、公租房、保障房来满足。我们常说,房地产市场的归市场,保障的归保障,以首套房低利率(基准利率)满足中间人群的刚性住房需求,有助于缓解公共资源不足的压力?/p><p>即便在利率完全市场化的美国,其利率等也是受到房地产政策管制的。因此,商业银行不能借利率市场化的名义,搭上房地产调控的便车,来谋求自身商业利益的最大化。尤其是房地产的利率,有着非常强的房地产政策性,银行不能好处占尽,有关监管部门应该对首套房贷利率进行必要的规制,切实回归到中央满?ldquo;住的需?rdquo;的指导思想上来?/p><p>(作者系财政部中国财政科学研究院应用经济学博士后?/p> </div> <!--MvcPager 1.5 for ASP.NET MVC 3.0 © 2009-2011 Webdiyer (http://en.webdiyer.com)--> <p class="zi_xun"></p> 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