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40年房貸好夯 合庫、兆豐5銀行搶推！「驚人死穴」意外曝光
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記者蔡佩蓉／台北報導
想要買房，但錢不夠，想要輕鬆月繳，現在愈來愈流行拉長房貸期限，例如40年房貸。中華民國不動產仲介經紀公會全聯會今（21）日在年終記者會時提出健全住宅政策建言，其中就是所謂青年購屋貸款優惠專案再加碼「三高一低」。
不動產仲介經紀公會全聯會指出，政府應推出加強版「青年安心成家購屋優惠貸款」，朝高成數、高期數、高寬限期、低利率等「三高一低」方向進行，即由政府補貼金融機構提供高達九成的低利貸款，拉長貸款期限至40年，拉長寬限期至5年並補助購屋貸款利率低於1％，以幫助年輕人輕鬆購屋，消化閒置資金。
不動產仲介經紀公會全聯會表示，目前多家銀行已有提供40年房屋貸款服務，如合作金庫、星展、永豐、兆豐及高雄銀等5家銀行，同時不牴觸央行豪宅貸款限制條款下，即可辦理。
拉長還款期限，正面思索是可有效降低消費者每期房貸負擔，保障購屋者的生活品質，當未來收入提升或有閒置資金時，依然能提早償還部份本金。不過，40年房貸方案普遍要求貸款者年齡須於40歲以下，換言之，超過40歲才當首購，也不適用此方案，而即便38歲買房，也得78歲才能還清貸款。
【推薦閱讀】沒固定收入！銀行「看到這點」秒給8成5貸款！
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