石嘴山| 句容| 浠水| 科尔沁右翼前旗| 石阡| 盘县| 合山| 宁强| 剑河| 怀化| 那曲| 白碱滩| 台南市| 贾汪| 西昌| 雅安| 武城| 曲水| 乌马河| 武平| 乌拉特后旗| 大荔| 东兴| 和静| 余庆| 屏东| 横县| 沁水| 岳西| 凤庆| 肃南| 鹤壁| 岷县| 浦北| 天长| 伊吾| 泌阳| 将乐| 梅里斯| 乌鲁木齐| 沧源| 酉阳| 托里| 韶关| 日土| 广宁| 东至| 昔阳| 米林| 英德| 金门| 酉阳| 科尔沁左翼后旗| 珊瑚岛| 嘉荫| 陇西| 恒山| 晋江| 明水| 上海| 山阳| 如东| 洛浦| 平鲁| 台中县| 新津| 旅顺口| 伊川| 栾川| 宝鸡| 印江| 喀什| 巩义| 大埔| 纳雍| 德安| 兴业| 噶尔| 普洱| 新丰| 都昌| 凤山| 乐亭| 南涧| 印台| 昌乐| 永仁| 安龙| 东平| 柘荣| 延长| 玛纳斯| 平乐| 巴林右旗| 达尔罕茂明安联合旗| 木兰| 潮州| 泰安| 惠民| 镶黄旗| 耒阳| 吴起| 岳阳县| 宁夏| 阳西| 赤峰| 巴林右旗| 民乐| 开平| 麟游| 陆河| 高安| 昌平| 孝义| 嵊泗| 汉中| 博白| 汤原| 君山| 盈江| 普安| 辛集| 福清| 九江市| 中江| 方山| 库伦旗| 盂县| 肥东| 辽阳市| 文昌| 无棣| 铁岭市| 珠穆朗玛峰| 乐业| 嘉峪关| 华坪| 高青| 布尔津| 磁县| 巍山| 呼玛| 长武| 桃江| 华山| 泰州| 沽源| 青冈| 响水| 扶绥| 平阳| 鄢陵| 故城| 来宾| 青川| 牡丹江| 湘乡| 阳山| 玉屏| 新巴尔虎左旗| 汉中| 道真| 武都| 宽甸| 安新| 霞浦| 洛川| 大姚| 碾子山| 共和| 万年| 珲春| 罗江| 石泉| 武汉| 镇康| 保德| 哈密| 融安| 下陆| 左贡| 平房| 马尾| 莱西| 靖边| 和林格尔| 罗源| 革吉| 庄浪| 禹州| 美溪| 繁昌| 王益| 剑河| 平山| 东莞| 长白山| 汉寿| 巴青| 南岔| 天津| 长乐| 滁州| 德江| 勃利| 余江| 阜南| 大丰| 宣威| 曲沃| 广饶| 云县| 韶山| 鄂托克前旗| 六盘水| 南郑| 米脂| 吉首| 新野| 天池| 沅陵| 甘泉| 壤塘| 兴平| 景县| 金佛山| 连江| 墨脱| 宁阳| 凌源| 高明| 公安| 当涂| 郧西| 图木舒克| 武乡| 漯河| 鄂托克前旗| 和布克塞尔| 佛山| 襄汾| 华池| 鹿寨| 昭平| 德安| 福建| 桓台| 巢湖| 关岭| 邓州| 苍梧| 安化| 徐闻| 二道江| 红河| 安乡| 湘潭县| 安国| 隆安| 梅县| 湖口| 拜城| 勃利|

习近平总书记在纪念红军长征胜利80周年大会上的讲话

2019-05-25 21:59 来源:北国网

  习近平总书记在纪念红军长征胜利80周年大会上的讲话

  ResidentsaffectedbyanearthquakestayinatemporaryshelterinSongyuanCity,NortheastChina’sJilinProvince,May28,,SongyuanCityonMondaymorning,damagingthehousesofmorethan1,thequake.(Photo:ChinaNewsService/ZhangYao)ResidentsaffectedbyanearthquakemovetheirbelongingsinSongyuanCity,NortheastChina’sJilinProvince,May28,,SongyuanCityonMondaymorning,damagingthehousesofmorethan1,thequake.(Photo:ChinaNewsService/ZhangYao)AnenthusiastgoesbungeejumpingfromZhangjiajieGrandCanyonsglass-bottombridge,duringachallengeinZhangjiajiescenicspot,centralChinasHunanProvince,May26,,Australia,BritainandothercountriesandregionsparticipatedinthechallengeonSaturday.(Xinhua/YanYuan)AnenthusiastgoesbungeejumpingfromZhangjiajieGrandCanyonsglass-bottombridge,duringachallengeinZhangjiajiescenicspot,centralChinasHunanProvince,May26,,Australia,BritainandothercountriesandregionsparticipatedinthechallengeonSaturday.(Xinhua/YanYuan)AnenthusiastgoesbungeejumpingfromZhangjiajieGrandCanyonsglass-bottombridge,duringachallengeinZhangjiajiescenicspot,centralChinasHunanProvince,May26,,Australia,BritainandothercountriesandregionsparticipatedinthechallengeonSaturday.(Xinhua/ZhouGuoqiang)AnenthusiastgoesbungeejumpingfromZhangjiajieGrandCanyonsglass-bottombridge,duringachallengeinZhangjiajiescenicspot,centralChinasHunanProvince,May26,,Australia,BritainandothercountriesandregionsparticipatedinthechallengeonSaturday.(Xinhua/ZhouGuoqiang)AnenthusiastgoesbungeejumpingfromZhangjiajieGrandCanyonsglass-bottombridge,duringachallengeinZhangjiajiescenicspot,centralChinasHunanProvince,May26,,Australia,BritainandothercountriesandregionsparticipatedinthechallengeonSaturday.(Xinhua/YanYuan)

,NortheastChina’sJilinProvince,May28,2018.(Photo:ChinaNewsService/LyuShengnan),NortheastChina’sJilinProvince,May28,2018.(Photo:ChinaNewsService/LyuShengnan),SongyuanCityofNortheastChinasJilinProvinceat1:,accordingtotheChinaEarthquakeNetworksCenter(CENC).(Photo:ChinaNewsService/LyuShengnan),JilinProvince,May28,2018.(Photo/VCG),JilinProvince,May28,2018.(Photo/VCG),SongyuanCityofNortheastChinasJilinProvinceat1:,accordingtotheChinaEarthquakeNetworksCenter(CENC).(Photo:ChinaNewsService/ZhangYao),SongyuanCityofNortheastChinasJilinProvinceat1:,accordingtotheChinaEarthquakeNetworksCenter(CENC).(Photo:ChinaNewsService/ZhangYao),SongyuanCityofNortheastChinasJilinProvinceat1:,accordingtotheChinaEarthquakeNetworksCenter(CENC).(Photo:ChinaNewsService/ZhangYao),SongyuanCityofNortheastChinasJilinProvinceat1:,accordingtotheChinaEarthquakeNetworksCenter(CENC).(Photo:ChinaNewsService/ZhangYao)InChina,home-caremobileapplicationsseemtoproposeawin-winsol,eastChina,itconnectspatientswithcaregivers,enablesproviderslikenursestocometopatients’doorandoffersmoreaffordabletreatmentthanhospitals,rangingfrominjection,IV,blooddrawtospecialcarelikenewbornexams,“nurse-sharing”,itissaidtobenefitmedicalprofessionalswhoareoftenunderpaid,,thosewithchronicd’recurrently222millionpeoplewho’reagedover60yearsinChina,“nursingsharing”,thereareabout20differentsuchappsinChina,,anemergentcareproviderfromaJinanCityhospital,wasthefirstregisterednurseononeofthe“nursing-sharing”“isjustlikeUberandsavesbothtimeandbills”,,000yuan()sincejoinedoneoftheappsin2016,,suchdigitalhealthappsarescramblingtofitintheChinesehealthcaresystemasthey’reatthefringesofitsday-to-dayoperationandfinance,accordingtoJeffreyTowson,,underlyingissuessuchas“medicaldisputesbetweendoctorsandpatients,one’ssafety,andqualificationsofprovidersarestillyettobeaddressed”,,anofficialfromtheShanghaiMinistryofHealthhadpreviouslycommentedthatnurseswhoprovidecareviasuchonlineap,relevanthealthofficialsaddedthattherearecurrentlynospecificregulatorypolicies,QiluEveningNewsreports.

  ,2017showstheinsideviewofLuzhnikiStadiumwhichwillhostthe2018WorldCupmatchesinMoscow,Russia.(Xinhua/WuZhuang),2017showstheoutsideviewofLuzhnikiStadiumwhichwillhostthe2018WorldCupmatchesinMoscow,Russia.(Xinhua/WuZhuang),2017showstheoutsideviewofLuzhnikiStadiumwhichwillhostthe2018WorldCupmatchesinMoscow,Russia.(Xinhua/WuZhuang),2017showstheoutsideviewofLuzhnikiStadiumwhichwillhostthe2018WorldCupmatchesinMoscow,Russia.(Xinhua/WuZhuang)ThefirstEuropeancompetitionofshoecleaningisheldinthehistoricalgalleryofSaintHubertinBrussels,Belgium,May26,customersinthisevent.(Photo/IC)ThefirstEuropeancompetitionofshoecleaningisheldinthehistoricalgalleryofSaintHubertinBrussels,Belgium,May26,customersinthisevent.(Photo/IC)ThefirstEuropeancompetitionofshoecleaningisheldinthehistoricalgalleryofSaintHubertinBrussels,Belgium,May26,customersinthisevent.(Photo/IC)

  空巢老人empty-nestseniors空巢老人(empty-nestseniors)一般是指子女长大离家后的中老年人(parentswhosechildrenhavegrownupandlefthome),也可以称为"leftbehind"seniors。PhototakenonMay28,2018showsflowersondisplayatthe53rdFloraartInternationalGardenExhibitioninZagreb,(Xinhua/SandraSimunovic)PhototakenonMay28,2018showsflowersondisplayatthe53rdFloraartInternationalGardenExhibitioninZagreb,(Xinhua/SandraSimunovic)Twowomenposeduringthe53rdFloraartInternationalGardenExhibitioninZagreb,capitalofCroatia,May28,(Xinhua/SandraSimunovic)Peoplevisitthe53rdFloraartInternationalGardenExhibitioninZagreb,capitalofCroatia,May28,(Xinhua/SandraSimunovic)

Asthenumberofsmartphoneusersexplodes,’,that’,up30%’sbusinessincubator,,,andhiscompanyisyettomakeaprofit."Inthepast,ifanewgamehasgoodquality,,’sharderforsmallcompanies."GaoChao,,gamecompaniesarelookingforestablishedpartners."Wehaveapositivecashflow,andwearethinkingabount."LiXin,CEOofHangzhouWooduanEntertainmentsaid.""FangMing,%ofstartupcompaniesareprofitable."Formanygamedevelopers,,buthowabouttomorrow"WeiWei,,itmaystillbetooearlytocallthewinners.

  StaffmembersattheInsectMuseumofWestChinafoundafive-hornedrhinocerosbeetlewithfourlargehornsonitsprothoraxandoneextra-longcephalichornonQingchengMountaininChengduCity,osbeetlefoundintheprovince.(Photo:ChinaNewsService/ZhaoLi)StaffmembersattheInsectMuseumofWestChinafoundafive-hornedrhinocerosbeetlewithfourlargehornsonitsprothoraxandoneextra-longcephalichornonQingchengMountaininChengduCity,osbeetlefoundintheprovince.(Photo:ChinaNewsService/ZhaoLi)StaffmembersattheInsectMuseumofWestChinafoundafive-hornedrhinocerosbeetlewithfourlargehornsonitsprothoraxandoneextra-longcephalichornonQingchengMountaininChengduCity,osbeetlefoundintheprovince.(Photo:ChinaNewsService/ZhaoLi)StaffmembersattheInsectMuseumofWestChinafoundafive-hornedrhinocerosbeetlewithfourlargehornsonitsprothoraxandoneextra-longcephalichornonQingchengMountaininChengduCity,osbeetlefoundintheprovince.(Photo:ChinaNewsService/ZhaoLi)StaffmembersattheInsectMuseumofWestChinafoundafive-hornedrhinocerosbeetlewithfourlargehornsonitsprothoraxandoneextra-longcephalichornonQingchengMountaininChengduCity,osbeetlefoundintheprovince.(Photo:ChinaNewsService/ZhaoLi)StaffmembersattheInsectMuseumofWestChinafoundafive-hornedrhinocerosbeetlewithfourlargehornsonitsprothoraxandoneextra-longcephalichornonQingchengMountaininChengduCity,osbeetlefoundintheprovince.(Photo:ChinaNewsService/ZhaoLi)StaffmembersattheInsectMuseumofWestChinafoundafive-hornedrhinocerosbeetlewithfourlargehornsonitsprothoraxandoneextra-longcephalichornonQingchengMountaininChengduCity,osbeetlefoundintheprovince.(Photo:ChinaNewsService/ZhaoLi)

  Twojournalistslookatthescreenshowingthedamagedworldfamouspaintingofthe16thcenturyRussianTsar,titledIvantheTerribleandhisSonIvanonNovember16,1581.byIlyaRepinduringapressconferenceattheRussianStateTretyakovGalleryinMoscowonMay28,hebestknownworksof19thcenturypainterIlyaRepin,depictingIvantheTerriblekillinghisson,atagalleryinMoscow.(Photo/Agencies)RussianStateTretyakovGalleryofficialsattendapressconferenceafterIlyaRepinsworldfamouspaintingofthe16thcenturyRussianTsar,titledIvantheTerribleandhisSonIvanonNovember16,1581.wasdamagedinMoscowonMay28,2018.-RussianpoliceonSaturdaysaidtheyarrestedamanforvandalisingoneofthebestknownworksof19thcenturypainterIlyaRepin,depictingIvantheTerriblekillinghisson,atagalleryinMoscow.(Photo/Agencies)ARussianStateTretyakovGalleryemployeestandsneartheblankspacewhereIlyaRepinsworldfamouspaintingofthe16thcenturyRussianTsar,titledIvantheTerribleandhisSonIvanonNovember16,1581.wasexhibitedinMoscowonMay28,2018.-RussianpoliceonSaturdaysaidtheyarrestedamanforvandalisingoneofthebestknownworksof19thcenturypainterIlyaRepin,depictingIvantheTerriblekillinghisson,atagalleryinMoscow.(Photo/Agencies),writes,designs,,hehasfallenintoanewhabitofartcreation:tuniquetoYixing,,novel,ShuiHuZhuan(OutlawsoftheMarsh),andhadtheseteapotsfiredinYixing.(PhotoprovidedtoChinaDaily)Askedwhyhestartedtheproject,Huangsimplysaid,"(Itsbecause)Ihadnothingtokilltime!"Hisfirstzishateapot,hewroteinthemorningandspenttheafternooncarvingonearthenwares,nce,courageandintegrityofthem.(PhotoprovidedtoChinaDaily)I"aburdenofhappiness".HesharedthemwiththeaudienceatanexhibitionthatendsattheNationalArtMuseumofChinaonTuesday.(PhotoprovidedtoChinaDaily)Theseteapotsshowhissenseofhumorandconveyhisviewsontherightandwrong."Anoldmanhadnothingtodo,sohefoundsomethinghecoulddo;inafashionableway,youcansayitsanoldguysperformanceart,",writes,designs,,hehasfallenintoanewhabitofartcreation:carvingfiguresonearthenzishateapots.(PhotoprovidedtoChinaDaily),writes,designs,,hehasfallenintoanewhabitofartcreation:carvingfiguresonearthenzishateapots.(PhotoprovidedtoChinaDaily),writes,designs,,hehasfallenintoanewhabitofartcreation:carvingfiguresonearthenzishateapots.(PhotoprovidedtoChinaDaily)

  Extremesportsenthusiaststakeonthechallengeofdescendingfromandthenclimbingbacktoasuspendedglassbridge188metersabovethegroundatascenicspotinYouxiCounty,EastChina’sFujianProvince,May26,erthebottomofthebridge.(Photo:ChinaNewsService/WangDongming)Extremesportsenthusiaststakeonthechallengeofdescendingfromandthenclimbingbacktoasuspendedglassbridge188metersabovethegroundatascenicspotinYouxiCounty,EastChina’sFujianProvince,May26,erthebottomofthebridge.(Photo:ChinaNewsService/WangDongming)Extremesportsenthusiaststakeonthechallengeofdescendingfromandthenclimbingbacktoasuspendedglassbridge188metersabovethegroundatascenicspotinYouxiCounty,EastChina’sFujianProvince,May26,erthebottomofthebridge.(Photo:ChinaNewsService/WangDongming)Extremesportsenthusiaststakeonthechallengeofdescendingfromandthenclimbingbacktoasuspendedglassbridge188metersabovethegroundatascenicspotinYouxiCounty,EastChina’sFujianProvince,May26,erthebottomofthebridge.(Photo:ChinaNewsService/WangDongming)Extremesportsenthusiaststakeonthechallengeofdescendingfromandthenclimbingbacktoasuspendedglassbridge188metersabovethegroundatascenicspotinYouxiCounty,EastChina’sFujianProvince,May26,erthebottomofthebridge.(Photo:ChinaNewsService/WangDongming)Extremesportsenthusiaststakeonthechallengeofdescendingfromandthenclimbingbacktoasuspendedglassbridge188metersabovethegroundatascenicspotinYouxiCounty,EastChina’sFujianProvince,May26,erthebottomofthebridge.(Photo:ChinaNewsService/WangDongming)

  A67-million-yearoldfemaleTyrannosaurusRexdiscoveredintheUnitedStatesin2013isreadyforanexhibitionattheNationalMuseumofNaturalHistoryinParis,"UnT-RexaParis",2018,displayingoneofthemostcompleteskeletonsofthedinosaurintheworld.(Photo/Agencies)A67-million-yearoldfemaleTyrannosaurusRexdiscoveredintheUnitedStatesin2013isreadyforanexhibitionattheNationalMuseumofNaturalHistoryinParis,"UnT-RexaParis",2018,displayingoneofthemostcompleteskeletonsofthedinosaurintheworld.(Photo/Agencies)A67-million-yearoldfemaleTyrannosaurusRexdiscoveredintheUnitedStatesin2013isreadyforanexhibitionattheNationalMuseumofNaturalHistoryinParis,"UnT-RexaParis",2018,displayingoneofthemostcompleteskeletonsofthedinosaurintheworld.(Photo/Agencies)A67-million-yearoldfemaleTyrannosaurusRexdiscoveredintheUnitedStatesin2013isreadyforanexhibitionattheNationalMuseumofNaturalHistoryinParis,"UnT-RexaParis",2018,displayingoneofthemostcompleteskeletonsofthedinosaurintheworld.(Photo/Agencies)我们必须考虑婚姻的质量,不能只看结婚与否或结婚时间长短。

  ThefirstEuropeancompetitionofshoecleaningisheldinthehistoricalgalleryofSaintHubertinBrussels,Belgium,May26,customersinthisevent.(Photo/IC)ThefirstEuropeancompetitionofshoecleaningisheldinthehistoricalgalleryofSaintHubertinBrussels,Belgium,May26,customersinthisevent.(Photo/IC)ThefirstEuropeancompetitionofshoecleaningisheldinthehistoricalgalleryofSaintHubertinBrussels,Belgium,May26,customersinthisevent.(Photo/IC)

  Twojournalistslookatthescreenshowingthedamagedworldfamouspaintingofthe16thcenturyRussianTsar,titledIvantheTerribleandhisSonIvanonNovember16,1581.byIlyaRepinduringapressconferenceattheRussianStateTretyakovGalleryinMoscowonMay28,hebestknownworksof19thcenturypainterIlyaRepin,depictingIvantheTerriblekillinghisson,atagalleryinMoscow.(Photo/Agencies)RussianStateTretyakovGalleryofficialsattendapressconferenceafterIlyaRepinsworldfamouspaintingofthe16thcenturyRussianTsar,titledIvantheTerribleandhisSonIvanonNovember16,1581.wasdamagedinMoscowonMay28,2018.-RussianpoliceonSaturdaysaidtheyarrestedamanforvandalisingoneofthebestknownworksof19thcenturypainterIlyaRepin,depictingIvantheTerriblekillinghisson,atagalleryinMoscow.(Photo/Agencies)ARussianStateTretyakovGalleryemployeestandsneartheblankspacewhereIlyaRepinsworldfamouspaintingofthe16thcenturyRussianTsar,titledIvantheTerribleandhisSonIvanonNovember16,1581.wasexhibitedinMoscowonMay28,2018.-RussianpoliceonSaturdaysaidtheyarrestedamanforvandalisingoneofthebestknownworksof19thcenturypainterIlyaRepin,depictingIvantheTerriblekillinghisson,atagalleryinMoscow.(Photo/Agencies)

  AgiantpandaenjoysicedfruitatChimelongSafariParkinGuangzhouCity,SouthChina’sGuangdongProvince,May28,,keepersintheparkstartedprovidingfrozenfoodtothepandas.(Photo:ChinaNewsService/ChenJimin)GiantpandasenjoyicedfruitatChimelongSafariParkinGuangzhouCity,SouthChina’sGuangdongProvince,May28,,keepersintheparkstartedprovidingfrozenfoodtothepandas.(Photo:ChinaNewsService/ChenJimin)AgiantpandaenjoysicedfruitatChimelongSafariParkinGuangzhouCity,SouthChina’sGuangdongProvince,May28,,keepersintheparkstartedprovidingfrozenfoodtothepandas.(Photo:ChinaNewsService/ChenJimin)AgiantpandaenjoysicedfruitatChimelongSafariParkinGuangzhouCity,SouthChina’sGuangdongProvince,May28,,keepersintheparkstartedprovidingfrozenfoodtothepandas.(Photo:ChinaNewsService/ChenJimin)AgiantpandaenjoysicedfruitatChimelongSafariParkinGuangzhouCity,SouthChina’sGuangdongProvince,May28,,keepersintheparkstartedprovidingfrozenfoodtothepandas.(Photo:ChinaNewsService/ChenJimin)PrincessCharleneofMonacodrinksthewinnerschampagnefromthebottleasDanielRicciardocheersheroninMonteCarlo,Monaco,May27,2018.(Photo/Agencies)PrincessCharleneofMonacodrinksthewinnerschampagnefromthebottleasDanielRicciardocheersheroninMonteCarlo,Monaco,May27,2018.(Photo/Agencies)RedBullsDanielRicciardocelebrateswinningtheF1MonacoGrandPrixinMonteCarlo,Monaco,May27,2018.(Photo/Agencies)RedBullsDanielRicciardocelebrateswinningtheF1MonacoGrandPrixinMonteCarlo,Monaco,May27,2018.(Photo/Agencies)

  

  习近平总书记在纪念红军长征胜利80周年大会上的讲话

 
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限购政策下 给青岛三类置业者的买房金融建议

PoliceofficersfromChinaandItalyattendaceremonyheldtosymbolicallymarkthestartofthethirdyearoflawenforcementcooperationbetweenthetwocountriesinRome,Italy,onMay28,ofphoto-snappingpassersby--wereinRomespicturesquePiazzaNavonaMondayfortheornateceremony.(Xinhua/AlbertoLingria)PhototakenonMay28,2018showsaceremonyheldtosymbolicallymarkthestartofthethirdyearoflawenforcementcooperationbetweenChinaandItalyinRome,ofphoto-snappingpassersby--wereinRomespicturesquePiazzaNavonaMondayfortheornateceremony.(Xinhua/AlbertoLingria)PhototakenonMay28,2018showsaceremonyheldtosymbolicallymarkthestartofthethirdyearoflawenforcementcooperationbetweenChinaandItalyinRome,ofphoto-snappingpassersby--wereinRomespicturesquePiazzaNavonaMondayfortheornateceremony.(Xinhua/AlbertoLingria)ChinesepoliceofficersattendaceremonyheldtosymbolicallymarkthestartofthethirdyearoflawenforcementcooperationbetweenChinaandItalyinRome,Italy,onMay28,ofphoto-snappingpassersby--wereinRomespicturesquePiazzaNavonaMondayfortheornateceremony.(Xinhua/AlbertoLingria)PoliceofficersfromChinaandItalyattendaceremonyheldtosymbolicallymarkthestartofthethirdyearoflawenforcementcooperationbetweenthetwocountriesinRome,Italy,onMay28,ofphoto-snappingpassersby--wereinRomespicturesquePiazzaNavonaMondayfortheornateceremony.(Xinhua/AlbertoLingria)

来源:青岛新闻网

作者:

2019-05-25 19:16:05

在今年3月两轮楼市调控政策先后出台后,青岛房贷的行情也渐渐收紧。岛城多家银行首套房贷利率优惠折扣已经由8.5折提升至9折,也有银行已经取消折扣执行基准利率;二套房基准利率均上浮1.1倍;三套房贷款更是全部暂停。

此外,不少银行放款时间也有所延长,审核门槛似乎提高了不少。那么,在目前房贷全面收紧的大势之下,首套房置业者、二套房改善置业者以及想要购买三套房的人群,在购房金融计划上该如何安排呢?日前,记者联系采访到几位银行业内专家,给当下的置业者们提一些专业的买房金融建议。

想买首套房的置业者 建议:合理选择贷款方式

“农历年前各家银行还能轻松申请到八五折房贷,没想到才过了几个月,有的银行连房贷都不批了。”正打算买房的刘女士感慨道。3月16日,青岛实施“限购”新政,而早在新政出台前,青岛便已经传出信贷收紧的信号。截至目前,驻青各大银行机构,首套房贷利率折扣最大优惠都提升至9折,更有银行已将首套房贷利率最低折扣调整为9.5折,首套执行基准利率的银行也开始出现了。

优惠利率在减少,对购房者来说,即使是涨了0.25%的利率,也意味着每个月多供几十元,小数怕长计,就几十年的贷款期而言,利息支出要多出几万元,倘若贷款额度较大,利息支出增加部分将更大。如何抵消利息增加带来的资金压力,金融从业人士建议,购房者应当合理选择贷款方式,有条件的购房者应当选择公积金贷款。目前青岛公积金贷款五年以上利率为3.25%,远低于商业贷款利率。在贷款金额方面,青岛住房公积金管理中心规定,个人最高贷36万,夫妻最高贷60万。

对于部分置业者,36万或60万的贷款金额可能不足以支付房款,加上不少新楼盘不接受组合贷,纯商贷成为唯一选择,这时便应当选择合适的贷款期限和还款方式。

在贷款期限和还款方式的选择上,一位银行个贷经理表示,按揭时间因个体状况差异,不能简单地以长或短来衡量。如属于刚需购房,后期的装修及生活开销较大,在本身收入状况预期不能明显提高的情况下,选择长期贷是比较理性的,不会因为还房贷让自己的经济状况捉襟见肘。此外,在贷款期限相同的情况下,等额本金法的利息支出相对少些,但等额本金法前期还款压力更大,应做好资金储备。

建议想买二套房置业者:别把钱用尽交首付

按照青岛现行的房贷政策,二套房最低首付比例为40%,各家银行二套房贷款利率普遍实行基准利率上浮10%。如果是二手房,可贷款的金额要根据评估价来确定,由此导致首付款可能有所提高。

业内人士指出,购房人买二手房时,向银行提出贷款申请后,银行会委派评估机构对房子进行评估,得出一个评估值。需要注意的是,评估机构给出的评估价和房屋的市场价可能存在不小的差异,这就需要购房者在买二手房时除了准备首付款,还要准备预期贷款额度和实际可贷款额度的差价。

专业提醒,现在正处于政策多变期,购房者头脑要保持清醒,除了准备首付款外,手头要留足一部分机动资金,有时候贷款政策收紧或者评估价偏低,都需要购房者给多一成首付,不建议把钱用尽来交首付。可利用手头资金进行适当的稳健投资。

对于有投资经验的购房者来说,可以把贷款期限选到最长,然后用每个月多余出来的钱进行投资理财。理财过程中,要保证投资理财的利率高于房贷利率,这样到最后,不但能顺利还清贷款,还能获得收益。当然,投资理财方法是需要经验的,也不建议新手贸然选择。

针对三套房置业者 建议: 可卖小买大,但要须谨慎出手

三套房置业者目前已被“限贷”,但还是有部分三套房置业者确实属于自住需求强烈的“刚需”。有的置业者除了目前主城自住的小面积住房,还在近远郊购买过房子用于保值或者给父母用于养老房。但青岛房地产调控新政出台后,新房短期内无法上市交易,且距离工作单位或孩子学校较远的新居也无法用于日常居住。这样的案例并不少见,如今这部分在新政下被定义为“三套房置业者”的人们,也确实没有雄厚的资金实力去全款置业,同时又确实需要购买三套房改善居住条件,或因二胎急需更换大房。

对于这种处境下的三套房置业者,银行业内首先建议的是谨慎出手,“卖小买大”,东拼西凑去借钱,全款买房的压力和实现难度是显而易见的。如果确实需要购买三套房,建议进行“卖小买大”,卖掉现在一套住宅,这样购房身份会从三套房变成二套房,而卖房后得到的钱应该是足够40%的二套房首付,但如此一来利率上浮10%,还需预留一部分资金做还款准备。倘若想要贷款压力更小,也可考虑同时卖掉名下的两套房,之后一步到位购买一套满足长期需求的大户型住房,但这种方式可能会让置业者暂时重回“租房生活”。

在前段时间房价上涨的利益驱动下,另外不少人考虑到用“房抵贷”的方式购买三套房,银行工作人员近期也接到过关于“房抵贷”购房的咨询。“房抵贷”也是一种目前不少银行在做的业务,即借款人以自然人名下的房产(住房、商住两用房)作抵押,向银行申请一次性或循环使用的消费或经营用途的人民币贷款。对此,业内人士表示:虽然房抵贷可贷额度较大,但各家银行都明文规定“房抵贷”申请的贷款资金不能用于购房。倘若利用该方式几经周转违规进入楼市,首先是政策所不允许的,其次用“房抵贷”资金买房,属于典型的自加杠杆,与配资炒股如出一辙。加杠杆是把双刃剑,收益可以翻倍,损失也可能翻倍。如果未来房价出现下降,那么被杠杆放大了的损失也许会让人无法承受,所以要给有这种想法的置业者在此敲个“警钟”。

[责任编辑:杨凡、王春令]

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