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沒「寬限期」要命…會價崩！他點名：3種人被狙殺
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記者蔡佩蓉／台北報導
近期預售市場火熱，不少民眾投資買預售屋，但遇到這次央行突襲推出信用管制，針對自然人第3戶限貸六成、法人第1戶就限貸六成的規定，讓不少預售屋面臨交屋時可能貸款下不下的窘境。專家指出，無寬限期等於資金馬上斷鏈，不少預售屋投資客可能會交屋前降價換約出售。
屋比房屋總監陳傑鳴表示，央行這次管制內容主要是針對「投資客購買多屋、一般公司置產炒樓」做出對策，這確可使房市炒作與囤房風氣有所節制，避免房市出現過熱的炒作亂象，對市場其實是正面的。
他近一步分析，對於資金槓桿操作比較高、購買多屋都靠貸款的購屋者與法人來說，未來確實可能面臨貸款下不來，資金可能斷鏈無法順利交屋的危機。以過去央行選擇性信用管制措施經驗來說，針對資金不足的購屋者，不少建商為了順利交屋，會選擇提供公司信貸的方式來幫助購屋者。
而買預售屋的購屋者，如果發現資金可能不足，可以在交屋前進行換約轉售，降低自己的財務負擔。至於價格會不會大幅鬆動？台北市不動產仲介經紀業公會理事長黃文雄表示，推波今年房市的資金潮及超低利環境不會消失，市場還會有剛需及置產的動能支撐，但豪宅受到衝擊就不小了。
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